Generoso J. Di Orio and Gennaro Di Orio, Plaintiffs v. New Jersey Manufacturers Insurance Company…

Summary

The Supreme Court of New Jersey affirmed the Appellate Division, holding that the 1956 DeSoto was furnished for the regular use of the father, Generoso DiOrio, and that the policy’s non‑owned automobile exclusion unambiguously denied excess coverage to the son. The Court rejected the plaintiffs’ reliance on the reasonable‑expectations doctrine. Justice Pashman dissented, arguing that coverage should be granted under the insured’s reasonable expectations.