NANCY STRUBE, PLAINTIFF-APPELLANT, v. THE TRAVELERS INDEMNITY COMPANY OF ILLINOIS (T.I.L.) INDIVIDUALLY AND D/B/A THE TRAVELERS COMPANIES, WEBSTER M. GRIMM AND C.I.A.P.N.J., DEFENDANTS-RESPONDENTS

PER CURIAM.

The judgment is affirmed, substantially for the reasons expressed in Judge Baime’s opinion of the Appellate Division, reported at 277 N.J.Super. 236, 649 A.2d 624 (1994).

STEIN and COLEMAN, Justices,

dissenting.

We would reverse, substantially for the reasons expressed in Judge Kestin’s dissenting opinion, reported at 277 N.J.Super. 236, 649 A.2d 624 (1994). For affirmance — Chief Justice WILENTZ, and Justices HANDLER, POLLOCK, O’HERN and GARIBALDI-5.

For reversal — Justices STEIN and COLEMAN-2.