In Universal Underwriters Group v. Heibel, 2006 WL 1675354 (N.J. Super A.D. June 20, 2006), the Superior Court of New Jersey found that “New Jersey's compulsory motor vehicle liability insurance statute…imposes no requirement on an automobile dealer to provide collision insurance to a permissive user of the insured dealer's motor vehicle.”

George Heibel was test driving a motorcycle owned by Harley Davidson of Edison when he lost traction on the road and was involved in an accident. The motorcycle suffered about $3,800 in property damage. Harley's insurance carrier, Universal Underwriters Group, paid for the damage and sued Heibel for reimbursement.