‘Hidden Pitfall’ Auto Policy Exclusion Unenforceable in New Jersey

A woman riding as a passenger while her husband drove was severely injured in an auto accident. Their insurance policy included $100,000/$300,000 liability limits. An exclusion noted deeper in the policy reduced an injured family member passenger’s benefit to $15,000. The declarations page did not reference the exclusion leading the New Jersey Superior Court to rule it as a “hidden pitfall” that is unenforceable. Read more about the case here.