17 N.Y.3d 715 (2011) 957 N.E.2d 1159 933 N.Y.S.2d 655 2011 NY Slip Op 87786 MERCHANTS MUT. INS. CO. v. RUTGERS CAS. INS. CO. Motion No: 2011-925 Court of Appeals of New York. Decided October 25, 2011. Motion for leave to appeal denied.