French v. New Jersey School Board Ass'n Insurance Group

The opinion of the Court was delivered by

O’HERN, J.

This appeal concerns the rights and obligations of parties under an insurance endorsement defining an increasingly vexatious subject — underinsured motorist (UIM) benefits. Simply stated, UIM coverage provides to an insured a measure of added protection against the risk of being injured by a negligent driver having an inadequate limit of liability insurance to cover the extent of the insured’s injuries. The question here is whether a bus driver from a school district, injured by an -underinsured driver while operating a school district bus,…