SCHWARTZ, Chief Judge.
The order below dismissing the plaintiff's complaint for a declaratory judgment that his UM coverage with the defendant insurer was applicable to a particular accident is reversed. Zessin alleged that he had been in a collision involving two other drivers. One of them, Lippman, was fully insured but Zessin's action against her resulted in a verdict in her favor. The other driver was the operator of a "phantom vehicle" which, by virtue of Zessin...
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