768 A.2d 269 NICHOLAS SANTEEZ, PLAINTIFF, v. STATE FARM INSURANCE COMPANY AND ALLSTATE INSURANCE COMPANY, DEFENDANTS. Superior Court of New Jersey, Law Division, Monmouth County Decided October 2, 2000. Page 167 [EDITORS’ NOTE: THIS PAGE CONTAINS HEADNOTES. HEADNOTES ARE NOT AN OFFICIAL PRODUCT OF THE COURT, THEREFORE THEY ARE NOT DISPLAYED.] Page 168 David J. […]