[brief] Borough of Berlin v. Remington & Vernick Eng'rs, 337 N.J. Super. 590 (App. Div. 2001)  .................................................................  22 Bos. Gas Co. v. Century Indem. Co., 910 N.E.2d 290, 312 (Mass. 2009)  33, 35, 36, 41, 42  Bouie v. N.J. Dep't of Cmty. Affairs, 407 N.J. Super. 518 (App. Div. 2009)  ..........  22 Bung's Bar & Grille, Inc. v. Twp. Council of Florence, 206 N.J. Super. 432 (Super. Ct. 1985)  ...............................................................  19, 20 Continental Ins. Co. v. Honeywell Internat’l, Inc., Cont'l Ins. Co. v. Honeywell Int'l, Inc., Nos. [...], [...], 2016 N.J. Super. Unpub. LEXIS 1685 (App. Div. July 20, 2016) ..............  10, 11, 12 Council for Periodical Distribs. Assos. v. Evans, 827 F.2d 1483 (11th Cir. 1987)  ..................................................................................  15  County of Essex v. First Union Nat’l Bank, 186 N.J. 46 (2006)  ............ 21, 25, 28 Davis v. Devereux Found., 209 N.J. 269 (2012)  ...........................................  34  DialAmerica Mktg., Inc. v. KeySpan Energy Corp., 374 N.J. Super. 502 (App. Div. 2005)  .............................................................................  28  Empower Our Neighborhoods v. Guadagno, 453 N.J. Super. 565 (App. Div. 2018)  .................................................................................. 13, 14, 15  Finch, Pruyn & Co. v. Martinelli, 108 N.J. Super. 156 (Super. Ct. 1969)  .......... 19 Goldsmith v. Camden Cty. Surrogate's Office, 408 N.J. Super. 376 (App. Div. 2009)  .............................................................................  22 Helton v. Prudential Prop. & Cas. Ins. Co., 205 N.J. Super. 196 (App. Div. 1985) .................................................................................. 18, 20 Herbst v. Ryan, 90 F.3d 1300 (7th Cir. 1996) .........................................................16  Huber v. Zoning Bd. of Adjustment, 124 N.J. Super. 26 (Super. Ct. 1973)  ...............19  In re Caruso, 18 N.J. 26 (1955)  ..............................................................................  18, 20 Litton Indus. v. IMO Indus., Inc., 200 N.J. 372 (2008)  ............................... 6, 9, 21, 25, 28  Mason v. City of Hoboken, 196 N.J. 51, 951 A.2d 1017 (2008)  ...............................6  Musto v. Vidas, 333 N.J. Super. 52, 754 A.2d 586 (App. Div.), certif. denied, 165 N.J. 607, 762 A.2d 221 (2000)  .................................................................... 22, 25 Occhifinto v. Olivo Constr. Co., 221 N.J. 443, 114 A.3d 333 (2015)  .................. 5, 6, 8 Owens-Illinois, Inc. v. United Ins. Co., 138 N.J. 437, (1994) ................................. 27, 42  Packard-Bamberger & Co. v. Collier, 167 N.J. 427 (2001)  .....................................13  Pickett v. Lloyd’s, 131 N.J. 457, 621 A.2d 445 (1993)  ...........................................44  Rova Farms Resort, Inc. v. Investors Ins. Co., 65 N.J. 474, 323 A.2d 495 (1974)  .................................................................................................................. 25, 26, 27  Spinks v. Twp. of Clinton, 402 N.J. Super. 465 (App. Div. 2008)  .........................38  State v. D.F.W., 468 N.J. Super. 422 (App. Div. 2021) ........................................14  State v. Mauti, 448 N.J. Super. 275 (App. Div. 2017) ..........................................38  Stone v. William Steinen Mfg. Co., 7 N.J. Super. 321, 70 A.2d 803 (Law Div. 1949) ..................................................................................................................44  Townsend v. Pierre, 221 N.J. 36 (2015) .................................................................34  Velli v. Rutgers Cas. Ins. Co., 257 N.J. Super. 308 (App. Div. 1992) ...... 18, 19, 20 Statutes N.J.S.A. § 39:6A-1., et seq.  ......................................................................................18  N.J.S.A. § 17:29B-4(9)(f) ...........................................................................................................44  N.J.S.A. § 17:29B-4(9)(n).............................................................................................................44  Rules R. 4:42-9(a)(6) .................................................................................................................................5, 8 R. 4:42-11(a)(i) ...............................................................................................................................28 R. 4:42-11(a)(iii) ............................................................................................................................28  INTRODUCTION