Rose, J.
When petitioner was injured in a 1991 motor vehicle accident, the tortfeasor's insurance carrier paid him the $25,000 maximum policy benefit for his injuries. Petitioner then presented a claim to respondent, his insurer, for benefits under the underinsured motorist endorsement of his policy. This claim went to arbitration where the arbitrator found $80,000 in total damages "prior to credit for primary insurance." Deducting the earlier $25,000 payment, respondent...
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