894 A.2d 1234 MICHAEL COLLINS, Plaintiff-Appellant, v. UNITED STATES FIDELITY AND GUARANTY COMPANY AKA USFG INSURANCE, Defendant-Respondent, AND NEW PENN MOTOR EXPRESS INC. AND THE PRUDENTIAL PROPERTY AND CASUALTY INSURANCE COMPANY OF NEW JERSEY AKA THE PRUDENTIAL COMMERCIAL INSURANCE COMPANY OF NEW JERSEY, Defendants. No. A-3202-04T5Superior Court of New Jersey, Appellate Division.Argued February 7, 2006 […]