The judgment is affirmed, substantially for the reasons expressed in the opinion of the Appellate Division, reported at 277 N.J.Super. 448, 650 A.2d 1 (1994). We add that the coverage afforded under the policy is limited to the statutory coverage required by N.J.S.A 39:6A-3 and N.J.S.A 39:6B-1 in accordance with the holding in Marotta v. New Jersey Automobile Full Insurance Underwriting Association, 144 N.J. 325, 676 A.2d 1064 (1996), also decided today.

For affirmance — Chief Justice WILENTZ, and Justices HANDLER, POLLOCK, O’HERN, GARIBALDI, STEIN and COLEMAN — 7.

Opposed — None.