Kenneth Mr. Vercammen was included in the 2017 “Super Lawyers” list published by Thomson Reuters.

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Friday, September 4, 2015

Citizens United Reciprocal Exchange v. Sabrina A. Perez, et al. (A-67-13

Citizens United Reciprocal Exchange v. Sabrina A. Perez, et al. (A-67-13; 073384) 
Where a policyholder elects to add the basic policy’s optional $10,000 coverage for third-party bodily injury in the original contract, the insurer shall be liable to innocent third parties for the contracted $10,000 amount as the minimal amount available under 

New Jersey’s compulsory system of automobile insurance coverage, even when that basic policy is later voided due to a fraudulent application. In contrast, when an insured elects not to add the basic policy’s optional $10,000 coverage in their original contract, the insurer shall not be held liable to any injured, innocent third-party claimants under that contract.