We prevailed on a motion for summary judgment with respect to the applicability of a UIM “step down” clause. Following an accident with an underinsured tortfeasor, the underlying plaintiff sought UIM recovery under three policies, including one issued by our client with limits of $500,000. The defense successfully argued that our client’s UIM limits of $500,000 “stepped down” to the $100,000 UIM limits of the plaintiff’s own policy, pursuant to our client’s policy language. The Superior Court of New Jersey, Morris County, granted our motion.