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PINTO v. NEW JERSEY MFRS. INS. CO.

839 A.2d 134 (2004)

365 N.J. Super. 378

Raymond PINTO, Jr., Plaintiff-Respondent, v. NEW JERSEY MANUFACTURERS INSURANCE COMPANY, Defendant-Appellant.

Superior Court of New Jersey, Appellate Division.

Decided January 21, 2004.

Attorney(s) appearing for the Case

Glenn T. Dyer, argued the cause for appellant (Connell Foley, attorneys; Brian G. Steller, of counsel, Roseland; Mr. Dyer, on the brief).

John M. Vlasac, Jr., argued the cause for respondent (Gill & Chamas, attorneys, Woodbridge; Mr. Vlasac, on the brief).

Before Judges HAVEY, FALL and HOENS.

The opinion of the court was delivered by FALL, J.A.D.

The issue posed by this appeal is whether the underinsured motorists (UIM) benefits claim of an employee, injured while operating a motor vehicle owned and insured by his employer, is effectively reduced by the "step-down" coverage clause contained in the UIM endorsement of the employer's business auto policy to the limit of UIM coverage contained in the employee's personal...

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