AMERICAN HARDWARE MUTUAL INSURANCE COMPANY, PLAINTIFF-APPELLANT, v. ERNEST MULLER, INDIVIDUALLY AND d/b/a ERNIES AUTO SALES; DAVID S. MULLER AND DONNA LEE MULLER, DEFENDANTS, AND CARL G. LADD, A MINOR BY WILLIAM T. LADD, HIS GUARDIAN AD LITEM, AND WILLIAM T. LADD, IN HIS OWN RIGHT, INTERVENORS, CROSS-CLAIMANTS-RESPONDENTS, v. DONNA LEE MULLER AND AMERICAN HARDWARE MUTUAL INSURANCE COMPANY, DEFENDANTS-RESPONDENTS

Per Curiam.

Plaintiff American Hardware Mutual Insurance Company sought a declaratory judgment exonerating it from liability under a garage liability policy issued by it to defendant Ernest Muller, individually and doing business as Ernie’s Auto Sales. The facts are fully set forth in the opinion of the Chancery Division reported in 98 N. J. Super. 11-9. We affirm the judgment substantially for the reasons set forth in the opinion of Judge Wick.