Aubrey v. Harleysville Insurance Companies

The opinion of the Court was delivered by

POLLOCK, J.

The issue is whether plaintiff, Theresa Aubrey, a purchaser under contract of an automobile from Chris Koch Toyota (Koch), is covered under the underinsured motorist (UIM) provisions of a garage policy issued to Koch by defendant, The Harleysville Insurance Companies (Harleysville), for injuries Aubrey sustained while operating a loaned automobile with Koch’s permission. The Law Division granted Harleysville’s motion for summary judgment, finding that “the step-down” clause in the liability section of the Harleysville policy denied coverage…