Hartford Accident & Indemnity Company, Plaintiff-Appellant v. Aetna Life & Casualty Insurance Company…

Summary

The Supreme Court of New Jersey affirmed the Appellate Division, holding that Aetna Life & Casualty Insurance Company was not liable because its policy did not provide coverage for the injury, and therefore it owed no duty to defend Tilden‑Yates. The court reasoned that the duty to defend is contingent on coverage, which hinges on when the bodily injury occurred, and found no evidence that the injury occurred within the policy period.