The employee sued, asking a court to rewrite the policy to provide $2,000,000 in UIM coverage, matching the bodily injury limit. He argued the $15,000 cap violated N.J.S.A. 17:28-1.1(f), which says employees must receive “the maximum . . . underinsured motorist coverage available under the policy.” A federal district court sided with Zurich, and the employee appealed.
