St. Paul Fire and Marine Insurance Company, Plaintiff-Respondent v. Indemnity Insurance Company of North America, a…

Summary

The Supreme Court of New Jersey reversed the lower court's judgment and remanded for further proceedings. It held that the defendant's insurance policy did not obligate it to pay the plaintiff's defense costs because the policy limits contribution to cases with a judgment or settlement, and that no quasi‑contractual liability existed because the plaintiff did not confer an unjust enrichment. The court also found that the question of whether an implied‑in‑fact contract required contribution must be resolved on remand.