The judgment of the Law Division is affirmed for the reasons given by Judge Margulies at 261 N.J.Super. 481, 619 A.2d 268 (Law Div. 1992). See also New Jersey Mfr. Ins. Co. v. Griffin, 253 N.J.Super. 173, 601 A.2d 261 (Law Div. 1991).