Rutgers Casualty Insurance Co. v. Collins

This appeal concerns liability coverage under an automobile insurance policy. The facts of the case are set forth in the reported opinion of the Appellate Division, 313 N.J.Super. 79, 712 A.2d 709 (1998). We repeat only the facts necessary to our disposition.

Twenty-nine-year-old Joseph Collins had planned to attend a concert with his wife, Rhonda. When they realized that their car had bad brakes, the couple decided to go to the home of Joseph’s mother to borrow a ear owned by Joseph’s stepfather, James Spataro, and used principally by Joseph’s mother, Doris Spataro. The car was insured by…