952 A.2d 1156 SEBASTIAN FERNANDEZ, PLAINTIFF-RESPONDENT, v. NATIONWIDE MUTUAL FIRE INSURANCE COMPANY, DEFENDANT-APPELLANT, AND PROFORMANCE INSURANCE COMPANY, DEFENDANT. No. A-4849-06T1.Superior Court of New Jersey, Appellate Division.Argued April 28, 2008. Decided August 12, 2008. Appeal from the Superior Court, Law Division, Hudson County. Page 167 Before Judges PARRILLO, GILROY and BAXTER. Christine M. Mercado, argued the […]