Motor Club of America Insurance Company, Plaintiff-Respondent v. Charles R. Phillips, Defendant-Appellant

Summary

The New Jersey Supreme Court held that the other‑insurance exclusion in an uninsured‑motorist endorsement is repugnant to the state UM statute and therefore invalid, overruling Hartford Ins. Co. v. Allstate. The court reversed the lower courts and required that UM coverage be available under all applicable policies up to the claimant's damages.