[brief] Jewish Center of Sussex Cty. v. Whale, 86 N.J. 619 (1981)  ..............................................................................................................................21  Kabinski v. Employers’ Liab. Assur. Corp., 123 N.J.L. 377 (1939)  .........................................................................................................................18  Kievit v. Loyal Protective Life Ins. Co., 34 N.J. 475 (1961) .............................................................................................................................39  Ledley v. William Penn Life Ins. Co., 138 N.J. 627 (1995) ............................................................................................................................ passim Liebling v. Garden State Indem., 337 N.J. Super. 447 (App. Div. 2001) ............................................................................................... 21, 24, 29  Longobardi v. Chubb Ins. Co. of N.J., 121 N.J. 530 (1990)  .............................................................................................................................21  Lovett v. Alan Lazaroff & Co., 244 N.J. Super. 510 (App. Div. 1990) ...............................................................................................21  Maertin v. Armstrong World Industries, Inc., 241 F. Supp. 2d 434 (D.N.J. 2002) ...................................................................................................18  Mass. Mutual Ins. Co. v. Manzo, 122 N.J. 104 (1991) ............................................................................................................................. 21, 29, 32  Merchants Express Money Ord. Co. v. Sun Nat. Bank, 374 N.J. Super. 556 (App. Div. 2005) ...............................................................................................35  Merchants Indem. Corp. v.  Eggleston, 37 N.J. 114 (1962) ...............................................................................................................................29  Northland Ins. Companies v. Fantasy Bus Serv., Inc., 1996 WL 115515 (E.D. Mo. Jan. 9, 1996) .......................................................................................37  Palisades Safety & Ins. Assoc. v. Bastien, 175 N.J. 144 (2003)  .............................................................................................................................21  Pioneer Nat’l Title Ins. Co. v. Lucas, 155 N.J. Super. 332 (App. Div.) ...........................................................................................................28  Progressive Cas. Ins. Co. v. Hanna, 316 N.J.Super. 63 (App. Div. 1998) ....................................................................................................20  Rider v. Lynch, 42 N.J. 465 (1964) ...............................................................................................................................30  Ross v. Lowitz, 222 N.J. 494 (2015)  .............................................................................................................................17  Russ v. Metropolitan Life Ins. Co., 112 N.J. Super. 265 (Law Div. 1970) .................................................................................................29  Rutgers Cas. Ins. Co. v. LaCroix, 194 N.J. 515 (2008) .............................................................................................................................41  Saxon v. U.S. Fid. & Guar. Co., 107 N.J.L. 266 (E. & A. 1931) .................................................................18 Scalia v. Lafayette Ins. Co., 1995 WL 631841 (D.N.J. Oct. 23, 1995) .................................................. 35, 36 Sears Mortg. Corp. v. Rose, 134 N.J. 326 (1993) .............................................................................. 20 Sellers v. Schonfeld, 270 N.J. Super. 424 (1993) .................................................................... 33, 34 Sosa v. Massachusetts Bay Ins. Co., 458 N.J. Super. 639 .............................................................................. 38 Triarsi v. BSC Grp. Servs., LLC, 422 N.J. Super. 104 (App. Div. 2011) ..................................................... 30 Tuckey v. Harleysville Ins. Co., 236 N.J. Super. 221 (App. Div. 1989) ..................................................... 17 U.S. Bronze Powders, Inc. v. Commerce & Industry Ins. Co., 259 N.J. Super. 109 (Law. Div. 1992) ..................................................... 27 Wells v. Wilbur B. Driver Co., 121 N.J. Super. 185 (Law Div. 1972) .......................................................  27 Zacarias v. Allstate Ins. Co., 168 N.J. 590 (2001) ..............................................................................  38, 39 Statutes N.C. Gen. Stat. Ann. § 20-279.21(b) .........................................................  40 N.J.S.A. 17:28-2 ......................................................................................  1, 17 N.J.S.A. 39:6B-1 .....................................................................................  40  PRELIMINARY STATEMENT