Theresa Aubrey, Plaintiff-Respondent v. the Harleysville Insurance Companies, Defendant-Appellant

Summary

The Supreme Court of New Jersey reversed the Appellate Division and reinstated the Law Division’s summary judgment in favor of Harleysville, holding that the underinsured motorist (UIM) endorsement does not cover plaintiff Aubrey because UIM coverage is personal to the insured and limited by the statutory parity provision and the policy’s step‑down clause.