Carmody v. Dority

YANOFF, J.S.C.

(retired and temporarily assigned on recall).

Plaintiff Laura Carmody was a pedestrian who was struck on October 12, 1993, by an automobile while crossing the parking area of a service area of the Garden State Parkway where she had parked her car.

At that time she and her husband Michael were insured under a policy with defendant Liberty Mutual Insurance Co. (Liberty Mutual or Liberty), which provided them with $300,000 single limit liability coverage, but only the statutory minimum of uninsured motorists coverage (UIM) of $15,000 for each person and $30,000 for each accident.

The…