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New Jersey
CHOICE OF LAW
| Choice of Law | Admission of Extrinsic Evidence | Insurer Allocation | Pre-Tender Fees | Statute of Limitations |
|---|---|---|---|---|
| Most significant relationship | Facts known to the insurer | If one claim is potentially covered, must defend entire suit | Recoverable | 6 years |
| Pfizer, Inc. v. Employers Ins. of Wausau, 712 A.2d 634, 636 (N.J. 1998) | SL Indus., Inc. v. American Motorists Ins. Co., 607 A.2d 1266, 1277 (N.J. 1992) Ethicon, Inc. v. Aetna Cas. & Sur. Co., 737 F.Supp. 1320, 1329, 1329 n.9 (S.D.N.Y. 1990) (“The logic of the CNA Casualty court is consistent with the rulings in Tews, Ruder & Finn and Federal Insurance. In essence, each court held that the duty to defend does not depend on the label of the claim asserted against the insured, but on how the facts of that claim relate to activity covered under the insurance policy. … Defendant asserts that it was the supplemental complaint, not the amended and supplemental complaint, on which the Handgards action was originally tried. While the Court does have sufficient information before it to determine which complaint formed the basis of the trial, the supplemental complaint also provided sufficient notice of the facts and allegations of Handgards' claims regarding malicious prosecution.”). | SL Indus., Inc. v. American Motorists Ins. Co., 607 A.2d 1266, 1271 (N.J. 1992) Pettinato v. Cigna Prop. & Cas. Cos, 697 A.2d 230, 232 (N.J. Super. Ct. Law Div. 1997) | Ohaus v. Continental Cas. Ins. Co., 679 A.2d 179, 184-85 (N.J. Super. Ct. App. Div. 1996) | (N.J.S.A. 12A:2-725) |
| Pre-Judgment Interest | Late Notice | Public Policy Bar | Independent Counsel | Atty's Fees/Decl. Relief Action |
|---|---|---|---|---|
| Court-determined | Notice-prejudice | Bar to indemnity | May choose own counsel | Recoverable |
| (R. 4:42-11) | Zuckerman v. National Union Fire Ins. Co, 495 A.2d 395, 405-06 (N.J. 1985) Transportes Ferreos de Venezuela II CA v. NKK Corp., 239 F.3d 555, 561-62 (3d Cir. 2001) | Voorhees v. Preferred Mut. Ins. Co., 607 A.2d 1255, 1263 (N.J. 1992) | Wolpaw v. General Acc. Ins. Co., 639 A.2d 338, 340 (N.J. Super. Ct. App. Div. 1994) Dunne v. Fireman’s Fund Am. Ins. Co., 69 N.J. 244, 252 (1976) | R. 4:42-9(a)(6) Transamerica Ins. Co. v. National Roofing, Inc., 527 A.2d 864, 865 (N.J. 1987) Iafelice v. Arpino, 726 A.2d 275, 279-80 (N.J. Super. Ct. App. Div. 1999) Messec v. USF&G Ins. Co., 848 A.2d 36, 38 (N.J. Super. Ct. App. Div. 2004) |