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RIVERA v. McCRAY

DOCKET NO. A-2337-14T1

137 A.3d 1226 (2016)

445 N.J. Super. 315

Vanessa RIVERA, Plaintiff-Appellant, v. Elmer F. McCRAY, III, Defendant, and New Jersey Re-Insurance Company, Defendant-Respondent.

Superior Court of New Jersey, Appellate Division.

Decided May 2, 2016.

Attorney(s) appearing for the Case

Melville D. Lide , Vineland, argued the cause for appellant (Radano & Lide, attorneys; Mr. Lide, on the brief).

Daniel J. Pomeroy argued the cause for respondent (Pomeroy, Heller & Ley, LLC, attorneys; Mr. Pomeroy and Karen E. Heller , Springfield, on the brief).

Before Judges OSTRER, HAAS and MANAHAN.

The opinion of the court was delivered by

This appeal requires us to interpret an underinsured motorist (UIM) coverage step-down provision in a personal automobile insurance policy, issued by defendant New Jersey Re-Insurance Company (NJM)2. The issue presented is whether a "special policy,"

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