Diana French, Plaintiff-Appellant v. New Jersey School Board Association Insurance Group, a Corporation; New Jersey…

Summary

The Supreme Court of New Jersey reversed the Appellate Division, holding that a regular employee injured in the course of employment "holds" the employer's underinsured motorist (UIM) policy, allowing recovery under that policy rather than being limited to the employee's personal UIM coverage. The decision rests on a broad interpretation of the statutory term "held" and rejects a narrow reading that would preclude coverage for employees without a personal policy.