Melvin Reid and Marylynn Reid v. New Jersey Manufacturers Insurance Company , 2020 N.J. Super. Unpub. LEXIS 411 (Opinion Date: February 27, 2020). In this appeal from a trial court decision, the New Jersey Appellate Court ruled that language in a UM/UIM endorsement describing when limits may be stepped down (to $15,000 per person/$30,000 per...