The opinion of the court is delivered by
RODRIGUEZ, A. A., J.A.D.
In deciding this appeal, we hold that R. 4:26-4 which proscribes the entry of a final judgment against a person designated by a fictitious name should be relaxed, pursuant to R. 1:1-2 in order to avoid an injustice.
The circumstances of this case are unusual. Plaintiff, Margaret Samuel, was injured in a single car collision while she was a passenger in her father’s automobile. The automobile, a 1988 Chrysler LeBaron, was being driven by a young man whom she had met earlier that evening. She does not know his name, address, or whereabouts.
The accident occurred in the early morning hours of May 10, 1992. Earlier that evening, Samuel was driving the LeBaron, which was used primarily by her, home to New Jersey from her college in West Virginia. The LeBaron was insured by respondent Market Transition Facility of New Jersey (MTF) through its servicing carrier HCM Corporation. On the way to a relative’s home in Long Beach Island, Samuel stopped at two taverns, The Hudson House and The Ketch. Samuel had worked as a waitress in the area during previous summers and was friendly with many of the patrons, bartenders and bouncers at these establishments. Samuel became intoxicated and was therefore, unable to recall subsequent events. Her last recollection prior to the accident was that she was “drinking shots with a bunch of people.”
According to police investigators, some witnesses indicated that they saw Samuel at The Ketch with two young men who were staying at the northern end of Long Beach Island. One man was around twenty-two years old, large frame, with blond hair. The other young man had dark hair. No one remembered seeing Samuel leave. Through hypnosis, she recalled going to a 7-11 convenience store in Ship Bottom after leaving The Ketch. Police investigators confirmed with the store manager that a threesome fitting the description of Samuel and the two young men visited the store at about 3:30 a.m.
[409] The accident occurred shortly after 3:30 a.m. in Harvey Cedars, a nearby town north of the convenience store. Police Officer Charles Tricka was first to arrive at the scene. It appeared to Tricka that the LeBaron had hit a telephone pole while traveling northbound on Long Beach Boulevard. He found Samuel seated in the rear seat wearing her seat belt. She was bleeding from the chin and appeared dazed. The front and rear passenger seats were covered with Samuel’s belongings. There was no one near the LeBaron. A search of the immediate vicinity did not reveal the presence of any other occupants of the automobile. A police investigation failed to locate eyewitnesses to the accident.
Samuel filed a lawsuit alleging that she sustained injuries while a passenger in the LeBaron, due to the negligence of its driver. She designated the driver of the LeBaron as “John Doe.” She moved for substituted service upon the MTF. The motion was denied. Samuel then served the complaint upon her father, the owner of the LeBaron and named insured under the MTF policy. MTF objected to service upon its insured. Samuel moved for substituted service on MTF again. This time the motion was granted. MTF filed a motion for leave to appeal. We granted the motion and summarily reversed ruling that:
Substituted service cannot be made on a fictitious defendant. [Samuel] may serve the fictitious defendant by publication. In any event, the complaint may be amended to substitute defendant’s true name and effect service on him directly or by substitution at such time as his identity is determined.1
A motion for reconsideration was denied.2 Service upon the fictitiously-named driver was made by publication in The Trenton Times.
MTF filed a declaratory judgment action seeking a determination that it had: (1) no defense or indemnification obligations to the fictitious defendant; (2) no direct obligations to Samuel under the liability coverage of the policy, and (3) no obligation to provide [410] uninsured motorist (UM) benefits to Samuel. The actions were consolidated and the personal injury action was stayed pending resolution of the declaratory action.
MTF moved for summary judgment. The judge granted the motion. He concluded that Samuel was not entitled to UM benefits under the MTF policy because she was injured in a single vehicle collision and that vehicle was insured. The judge also reasoned that Samuel could not benefit from bodily injury coverage provided by the MTF policy because she had to first obtain a judgment against the driver of the LeBaron and R. 4:26-4 proscribes the entry of a judgment against a fictitious defendant. Thus, the judge agreed with MTF’s argument that in “this unique factual scenario,” Samuel “falls through the cracks.”
On appeal, Samuel contends that: (1) the judge committed reversible error by holding that she is barred from uninsured motorist benefits under the MTF policy, and (2) public policy considerations call for coverage under the unique facts of this case (Not Argued Below).
We disagree with the first contention. The judge correctly found that Samuel could not receive UM benefits under the MTF policy because the LeBaron is not an uninsured vehicle. This express requirement of the MTF policy is rooted in the language of N.J.S.A 17:28-1.1. We are not persuaded by any of the three arguments advanced by Samuel, i.e. (1) that the policy language is ambiguous (not raised below), (2) that the judge’s decision contravenes the insured’s reasonable expectation of coverage, and (3) the judge’s decision contravenes the legislative intent regarding UM coverage. Therefore, Samuel is not entitled to benefits under the UM endorsement of the MTF policy.
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The opinion of the court is delivered by
RODRIGUEZ, A. A., J.A.D.
In deciding this appeal, we hold that R. 4:26-4 which proscribes the entry of a final judgment against a person designated by a fictitious name should be relaxed, pursuant to R. 1:1-2 in order to avoid an injustice.
The circumstances of this case are unusual. Plaintiff, Margaret Samuel, was injured in a single car collision while she was a passenger in her father’s automobile. The automobile, a 1988 Chrysler LeBaron, was being driven by a young man whom she had met earlier that evening. She does not know his name, address, or whereabouts.
The accident occurred in the early morning hours of May 10, 1992. Earlier that evening, Samuel was driving the LeBaron, which was used primarily by her, home to New Jersey from her college in West Virginia. The LeBaron was insured by respondent Market Transition Facility of New Jersey (MTF) through its servicing carrier HCM Corporation. On the way to a relative’s home in Long Beach Island, Samuel stopped at two taverns, The Hudson House and The Ketch. Samuel had worked as a waitress in the area during previous summers and was friendly with many of the patrons, bartenders and bouncers at these establishments. Samuel became intoxicated and was therefore, unable to recall subsequent events. Her last recollection prior to the accident was that she was “drinking shots with a bunch of people.”
According to police investigators, some witnesses indicated that they saw Samuel at The Ketch with two young men who were staying at the northern end of Long Beach Island. One man was around twenty-two years old, large frame, with blond hair. The other young man had dark hair. No one remembered seeing Samuel leave. Through hypnosis, she recalled going to a 7-11 convenience store in Ship Bottom after leaving The Ketch. Police investigators confirmed with the store manager that a threesome fitting the description of Samuel and the two young men visited the store at about 3:30 a.m.
[409] The accident occurred shortly after 3:30 a.m. in Harvey Cedars, a nearby town north of the convenience store. Police Officer Charles Tricka was first to arrive at the scene. It appeared to Tricka that the LeBaron had hit a telephone pole while traveling northbound on Long Beach Boulevard. He found Samuel seated in the rear seat wearing her seat belt. She was bleeding from the chin and appeared dazed. The front and rear passenger seats were covered with Samuel’s belongings. There was no one near the LeBaron. A search of the immediate vicinity did not reveal the presence of any other occupants of the automobile. A police investigation failed to locate eyewitnesses to the accident.
Samuel filed a lawsuit alleging that she sustained injuries while a passenger in the LeBaron, due to the negligence of its driver. She designated the driver of the LeBaron as “John Doe.” She moved for substituted service upon the MTF. The motion was denied. Samuel then served the complaint upon her father, the owner of the LeBaron and named insured under the MTF policy. MTF objected to service upon its insured. Samuel moved for substituted service on MTF again. This time the motion was granted. MTF filed a motion for leave to appeal. We granted the motion and summarily reversed ruling that:
Substituted service cannot be made on a fictitious defendant. [Samuel] may serve the fictitious defendant by publication. In any event, the complaint may be amended to substitute defendant’s true name and effect service on him directly or by substitution at such time as his identity is determined.1
A motion for reconsideration was denied.2 Service upon the fictitiously-named driver was made by publication in The Trenton Times.
MTF filed a declaratory judgment action seeking a determination that it had: (1) no defense or indemnification obligations to the fictitious defendant; (2) no direct obligations to Samuel under the liability coverage of the policy, and (3) no obligation to provide [410] uninsured motorist (UM) benefits to Samuel. The actions were consolidated and the personal injury action was stayed pending resolution of the declaratory action.
MTF moved for summary judgment. The judge granted the motion. He concluded that Samuel was not entitled to UM benefits under the MTF policy because she was injured in a single vehicle collision and that vehicle was insured. The judge also reasoned that Samuel could not benefit from bodily injury coverage provided by the MTF policy because she had to first obtain a judgment against the driver of the LeBaron and R. 4:26-4 proscribes the entry of a judgment against a fictitious defendant. Thus, the judge agreed with MTF’s argument that in “this unique factual scenario,” Samuel “falls through the cracks.”
On appeal, Samuel contends that: (1) the judge committed reversible error by holding that she is barred from uninsured motorist benefits under the MTF policy, and (2) public policy considerations call for coverage under the unique facts of this case (Not Argued Below).
We disagree with the first contention. The judge correctly found that Samuel could not receive UM benefits under the MTF policy because the LeBaron is not an uninsured vehicle. This express requirement of the MTF policy is rooted in the language of N.J.S.A 17:28-1.1. We are not persuaded by any of the three arguments advanced by Samuel, i.e. (1) that the policy language is ambiguous (not raised below), (2) that the judge’s decision contravenes the insured’s reasonable expectation of coverage, and (3) the judge’s decision contravenes the legislative intent regarding UM coverage. Therefore, Samuel is not entitled to benefits under the UM endorsement of the MTF policy.
We conclude, however, that Samuel is not left without a remedy. If Samuel is able to establish that she was injured as a result of the negligence of an identifiable driver of the LeBaron, she will obtain a judgment in her favor against the driver. If she is further able to prove that the driver was a permissive operator of the LeBaron, the MTF policy will provide coverage to such [411] driver and satisfy the judgment up to the policy’s limit.3 The MTF argues that Samuel cannot proceed without establishing the identity of the driver because she is precluded by R. 4:26-4. In pertinent part that rule provides that, “[n]o final judgment shall be entered against a person designated by a fictitious name.” Thus, the strict application of this rule of procedure precludes an injured passenger in an insured vehicle from proceeding against an alleged tortfeasor simply because she does not know his name. Such result runs counter to the long established principle that, “[jjustice impels strongly towards affording the plaintiffs their day in court on the merits of their claim.” Viviano v. CBS, Inc., 101 N.J. 538, 549, 503 A.2d 296 (1986). Therefore, we conclude that R. 4:26-4 should be relaxed so that Samuel may proceed against the driver of the LeBaron although he is identified only as “John Doe.” Although she does not have to prove his identity, she still has the burden of proving the existence of the driver of the LeBaron at the time of the accident.
The goal of the Rules of Practice “is not so much rigid compliance with the letter of the Rules as it is the attainment of substantial justice.” Id. at 550, 503 A.2d 296. The Rules are not an end unto themselves, but a means of serving the ends of justice. Id. at 550-51, 503 A.2d 296. For that reason, the Rules expressly provide for relaxation when necessary to avoid an injustice. R. 1:1-2, the relaxation rule, provides,
The rules in Part I through Part VIII, inclusive, shall be construed to secure a just determination, simplicity in procedure, fairness in administration and the elimination of unjustifiable expense and delay. Unless otherwise stated, any rule may be relaxed or dispensed with by the court in which the action is pending if adherence to it would result in an injustice. In the absence of rule, the court may proceed in any manner compatible with these purposes.
The unique facts here call for such a relaxation of R. 4:26-4.
We do not perceive that the relaxation in this case will prejudice the MTF’s ability to defend. It is not unusual that an insurer will [412] afford coverage to an individual that is unavailable to participate in the litigation through death, absence from the state or noncooperation. Nor is it unusual for an insurer to afford coverage to an individual who has not been served with a summons and complaint. The practice of substituted service upon a carrier contemplates that very occurrence. Here, the only difference is that the unavailable driver is unidentified. As long as Samuel establishes that she was injured while someone drove the LeBaron with her permission, the carrier is in no different position than if it knew the driver’s name.
Our holding is a narrow one. It is not at all unusual that a party is injured in an automobile accident through the negligence of an unidentified person. The victims in such accidents do not fall through the cracks without a remedy because the tortfeasor is unidentified. In most such instances, the UM coverage will apply. The difference here is that the unidentified tortfeasor was driving the same vehicle occupied by the injured party and owned by her father.
Accordingly the summary judgment in favor of MTF is reversed. The matter is remanded to the Law Division to determine whether another person was driving the LeBaron at the time of the accident and whether such person was a permissive driver pursuant to the terms of the MTF policy. If so, the parties will proceed to trial of the liability action and MTF will provide coverage and indemnification to the driver of the LeBaron.
Reversed and remanded.