[brief] Allstate Ins. Co. v. Apted, 18 Fed App'x 624, 626 (9th Cir 2001)  ...........................................27  Allstate Ins. Co. v. Meloni, 98 N.J. Super. 154, 158-59, 236 A.2d 402 (App. Div. 1967)  .........................................................................................................................................................................................17  American Employers' Ins. Co. v. Taylor, 476 So.2d 281, 283 (Fla.Dist.Ct.App. 1985)  .................................................................................................................................................................................................15  Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 251-52, 106 S. Ct. 2505, 2512, 91 L. Ed. 2d 202, 214 (1986)  .........................................................................................................................................................................................11  Association Group Life, Inc. v. Catholic War Veterans, 61 N.J. 150, 293 A.2d 382 (1972)  .................................................................................................................................................................................................29  Bahrle v. Exxon Corp., 279 N.J. Super. 5, 21 (App.Div. 1995)  .............................................25  Bilotti v. Accurate Forming Corp., 39 N.J. 184, 188 (1953).  ..................................................9  Citizens United Reciprocal Exch. v. Perez, 223 N.J. 143, 151 (2015)  ...............................13  Cummings v. Bahr, 295 N.J. Super. 374, 384 (App. Div. 1996)  ............................................24  D'Atria v. D'Atria, 242 N.J. Super. 392, 401 (Ch. Div. 1990)  ..............................................24  Employers Mut. Cas. Co. v. Tavernaro, 4 F Supp 2d 868, 871 (E.D. Mo 1998)  ....28  Farmers Mut. Fire Ins. Co. of Salem v. N.J. Prop.-Liability Ins. Guar. Ass'n, 215 N.J. 522, 535-36 (2013)  .................................................................11  Ferrante v. N.J. Mfrs. Ins. Grp., 232 N.J. 460, 468 (2018)  ..............................................13  First Am. Title Ins. Co. v. Lawson, 177 N.J. 125, 137, 827 A.2d 230 (2003)  ............17  Graves v. Church & Dwight Co., Inc., 267 N.J. Super. 445 (App. Div. 1993)  21, 26 Ji v. Palmer, 333 N.J. Super. 451, 464 (App. Div. 2000)  .............................................9  Johnson v. Allstate Ins. Co., 126 Wash App 510, 108 P3d 1273, 1276-77 (2005).27  Lanzet v. Greenburg, 126 N.J. 168 (1991) ..................................................................26  Liberty Surplus Ins. Corp. v. Nowell Amoroso, P.A., 189 N.J. 436, 445-46 (2007). 9  Liebling v. Garden State Indem., 337 N.J. Super. 447, 465, 767 A.2d 515 (App. Div. 2001), certif. den., 169 N.J. 606 (2001) .......................................................16  Longobardi v. Chubb, Inc., 121 N.J. 530 (1990) ...........................................  13, 14 15, 18, 26 Lyons v. Twp. of Wayne, 185 N.J. 426 (2005)  .............................................................21  Martin v. Farm Bureau Gen. Ins. Co. of Mich., No. 275261, 2008 WL 1807940 *2-3 (Mich Ct App Apr 22, 2008) .................................................................28  Mayo, Lynch & Assocs., Inc. v. Pollack, 351 N.J. Super.  486, 494-95, 799 A.2d 12 (App. Div. 2002) ........................................................................................................11  Merin v. Maglaki, 126 N.J. 430, 436 (1992) .................................................................12  Monaco v. Hartz Mountain Corp., 178 N.J. 401, 413 (2004)  ........................................25  Nieder v. Royal Indem. Ins. Co., 62 N.J. 229 (1973) .....................................................10  O'Donnell v. Ahmed, 363 N.J. Super. 44 (Super. Ct. 2003) ........................................23  Palisades Safety & Ins. Ass'n v. Bastien, 175 N.J. 144, 814 A.2d 619 (2003).  13, 17  Perovich v. Glens Falls Ins. Co., 401 F2d 145, 146 (9th Cir 1968) .............................27  Prudential Prop. & Cas. Ins. Co. v. Boylan, 307 N.J. Super. 162, 167 (App. Div.).9  Quintin v. Miller, 138 Vt 487, 417 A2d 941, 943 (1980) ..............................................28 Schneer v. Allstate Ins. Co., 767 So 2d 485, 490 (Fla Dist Ct App 2000) .............28  Scott v. Salerno, 297 N.J. Super. 437, 447 (App. Div.), certif. denied, 149 N.J. 409 (1997).........................................................................................................................10  Shelcusky v. Garjulio, 172 N.J. 185 (2002)...............................................................22  Slowinski v. Valley Nat’l Bank, 246 N.J. Super. 172, 179 (App.Div.1993)...........25  State v. Reldan, 100 N.J. 187, 203 (1985)...............................................................26  Thomas v. N.J. Ins. Underwriting Ass'n (NJIUA), 277 N.J. Super. 630, 638 (Super. Ct. 1994)  .........................................................................................................................15  Townsend v. Pierre, 429 N.J. Super. 522, 525, 60 A.3d 800 (App. Div. 2013).....10  Tyler v. Fireman's Fund Ins. Co., 255 Mont 174, 841 P2d 538, 541 (1992)........27  VRG Corp. v. GKN Realty Corp., 135 N.J. 539, 554, 641 A.2d 519 (1994) .........29  Treatises 13 Williston on Contracts § 38:15 (4th ed.2000)  ..................................................23  PRELIMINARY STATEMENT