[brief] This is a personal injury action arising out of a motor vehicle accident which occurred on April 13, 2022.  The plaintiff/appellant sets forth the following statement of facts which plaintiff/appellant asserts are undisputed:  On April 13, 2022, the plaintiff/appellant, [...], was involved in an automobile accident with the defendant/respondent, [...].  (See police report, PA164-165)  The police report lists the plaintiff’s address [...].  (PA164-165)  At the time of the accident, the plaintiff/appellant was insured through an automobile insurance policy issued by the defendant, [...].  (PA166-167)  Prior to the accident, in January 2022, plaintiff had applied for automobile insurance through [...].  In the original declarations page issued in January 2022, the plaintiff’s mailing address was in North Carolina and the garaging address of his vehicle was also in North Carolina.  (PA166-167)  At the time he applied for insurance with [...] in 2022, plaintiff did have a Residential Lease Agreement in the State of Jersey for an apartment located at Forest Street in Orange, NJ.  (PA170-174)  Plaintiff had an apartment in New Jersey and an apartment in North Carolina in January 2022 because he was going back and forth between North Carolina and New Jersey for business.  (PA175-204, plaintiff’s deposition pages 17-21)  In February 2022, prior to the April 2022 accident, plaintiff changed his [...] insurance policy to reflect a New Jersey mailing address.  He changed it because he was living in New Jersey full-time and had been doing a lot of business by Zoom.  (PA175-204, plaintiff deposition pages 29-32)  When plaintiff changed his mailing address, it was his intention to notify [...] that he was in New Jersey, not North Carolina.  (PA175-204, plaintiff deposition pages 43-44)  It is undisputed that plaintiff did not change his garaging address on the policy.  Plaintiff only changed his mailing address on the policy.  When plaintiff originally applied for insurance in January 2022, he applied online.  (PA175-204, plaintiff’s deposition pages 26-28)  When plaintiff decided to move to New Jersey full-time in February 2022, he changed the mailing address on his [...] policy.  (PA175-204, plaintiff’s deposition pages 31-32)  When he changed the mailing address on his policy, he presumed that [...] would understand that he was moving to New Jersey and that the car would be in New Jersey as well.  (PA175-204, plaintiff’s deposition pages 44 and 115-116)  Plaintiff assumed that changing the mailing address on his insurance policy was notification to [...] that both he and his vehicle would be located in the State of New Jersey, despite any paperwork to the contrary.  (PA175-204, plaintiff’s deposition page 48)  Plaintiff did not understand that he had to change the “garaging” of his vehicle on the policy as well as the mailing address.  He merely assumed that changing the mailing address was notification to [...] of the location of his vehicle.  (PA175-204, plaintiff’s deposition pages 112-113)  A [...] claims representative, [...], indicated that if there is change to a [...] policy reflecting a new mailing address, underwriting may receive a notification, but claims would not.  (PA205-212, Roque deposition pages 15-16)  After the accident, [...] refused to pay personal injury protection benefits because it alleged that plaintiff [...] had committed a material misrepresentation by misrepresenting the location of the “garaging” of his vehicle at the time of the April 2022 accident.