The opinion of the court was delivered by WINKELSTEIN, J.A.D.
On June 7, 1998, Thomas Gambino, Sr., was operating his automobile when it struck a tree. In the vehicle at the time of the accident were his wife, Carol Gambino, their two sons, Thomas, Jr. and Anthony, and an unrelated minor passenger. Carol Gambino was killed, and their two sons and the unrelated minor passenger were injured.
Thomas Gambino's vehicle was insured by State Farm Insurance Company...
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