The Appellate Division upheld a Gloucester County court’s summary judgment decision entitling a plaintiff to recover $100,000 in uninsured motorist coverage that the defense tried to disclaim under the policy’s uninsured/underinsured motorist endorsement step-down provision.

The ruling, which denied Wausau Underwriters Insurance Co.’s motion for reconsideration, waded into a novel question of insurance law regarding coverage for a vehicle with a garaging address different than what was listed in the policy.