[brief] ## Table Of Authorities ### Cases  **Barbara Corp. v. Bob Maneely Ins. Agency**, 197 N.J. Super. 339 (App. Div. 1984) ................................................................. 29,39  **Bauman v. Royal Indem. Co.**, 36 N.J. 12, (1961) ........................................................................................................  27,34,35,36,37  **Echevarias v. Lopez**, 240 N.J.Super. 104 (App.Div.1990) .................................................................................. 40  **Federal Home Loan Mortgage Corp. v. Scottsdale Ins. Co.**, 316 F.3d 431(3d Cir.2003) ................................................................. 49  **Griggs v. Bertram**, 88 N.J. 347 (1982) .................................................................................................................. 45  **Hartford Fire Ins. Co. v. California**, 509 U.S. 764, 113 S.Ct. 2891, 125 L.Ed.2d 612 (1993)  ...............................................................  12  **Harvester Chem. Corp. v. Aetna Cas. & Sur. Co.**, 277 N.J.Super. 421 (App.Div1994) ................................................................. 28,31,32,39,46  **In re N.J.A.C. 11:20**, 208 N.J.Super. 182 App.Div.1986) .................................................. 28,34  **Insigna v. Hegedus**, 231 N.J. Super. 562 (App.Div.1989) ...................................................................................... 40,41  **Jeffrey M. Brown Associates, Inc. v. Interstate Fire & Casualty Co.**, 414 N.J. Super. 160 (App.Div.), certif. denied, 204 N.J. 41(2010) ............. 29  **Liberty Village Assocs, Inc. v. West American Ins. Co.**, 309 N.J. Super. 393 (App. Div. 1998) ................................................................. 49 **McClellan v. Feit**, 376 N.J.Super. 305 (App.Div.2005) ...................... 28,35,43,45 **Midland Ent. v. St. Paul Fire Mar. Ins. Co.**, 745 N.E.2d 445 (Ohio App. 2000) ................................................................. 47 Millbrook Tax Fund, Inc. v. P.L. Henry Assocs., 344 N.J.Super. 49 (App.Div.2001)..................................................36,38,39,45,48 Moper Transp., Inc. v. Norbet Trucking Corp., 399 N.J. Super. 146 (App. Div.), certif. denied, 196 N.J. 463 (2008).................................49 Morrison v. American Intern. Ins. Co., 381 N.J. Super. 532 (App.Div.2005)..............................................................................37 Norman Int'l v. Admiral Ins. Co., 251 N.J. 538 (2022)...............................30 Piermount Iron Works v. Evanston Ins. Co., 197 N.J. 432 (2009).............28,30 Rooney v. Township of West Orange, 200 N.J.Super. 201 (App.Div.1985).....48 Skeete v. Dorvius, 187 N.J. 5 (2005)....................................................28,37,38,48 Valley Nat'l. v. American Motorists Ins. Co., 316 N.J.Super. 152 (App.Div.1998)...........................................................................28,31,32 Weathers v. Hartford Ins. Group, 77 N.J. 228 (1998)..................................32 Whiteside v. New Castle Mut. Ins., 595 F.Supp. 1096 (D.Del.1984).............39 Rules R.4:42-9(a)(6).........................................................................................48 R.4:42-11..............................................................................................49 Statutes N.J.A.C. 11:1-20....................................................................................31,33 N.J.A.C. 11:1-20.1...............................................................................32 N.J.A.C. 11:1-20.2.................................................................................31,33,35 N.J.S.A. 17:29AA-11..........................................................................31