Michael Pizzullo and Dorothea Pizzullo, H/w, Plaintiffs-Appellants v. New Jersey Manufacturers Insurance Company…

Summary

The Supreme Court of New Jersey reversed the Appellate Division and reinstated the Law Division judgment in favor of the Pizzullos, holding that the 1993 immunity statute does not shield the insurer from liability for the plaintiffs' claim. The Court based its decision on a narrow reading of the statute’s language, legislative history, and the plaintiffs' reasonable expectation of coverage created by ambiguous policy documents and the insurer's misrepresentation.