Gerard Doto and Maria Doto, His Wife, Plaintiffs-Respondents v. Anthony Russo and Russo Agency…

Summary

The Supreme Court of New Jersey affirmed the Appellate Division, holding that Utica Mutual is estopped from denying underinsured motorist (UIM) coverage under its commercial‑umbrella policy because the insurer’s conduct and the parties’ reasonable expectations demonstrated that such coverage was included. The court based its decision on equitable estoppel and the absence of an explicit exclusion endorsement.