Bell v. MERCHANTS & BUSINESSMEN'S MUTUAL INSURANCE CO.122 N.J. 395 N.J.1990Check Treatment 122 N.J. 395 (1990) 585 A.2d 395 WILLIAM BELL v. MERCHANTS AND BUSINESSMEN'S MUTUAL INSURANCE COMPANY. The Supreme Court of New Jersey. October 10, 1990. Petition for certification denied. (See 241 N.J. Super. 557, 575 A.2d 878)