A person who claims for damages sustained as a result of injuries negligently caused by someone else has a single, indivisible cause of action and must sue for all damages in one claim.

This proposition was reasserted in the context of a prescription allegation regarding a Road Accident Fund Act claim.

The RAF Act only

In July 2016 the New Jersey Supreme Court held that damage by rain water leaking into residential condominium premises because of a subcontractor’s faulty workmanship constituted property damage and an accidental occurrence under the property developer’s commercial general liability insurance policy.

Under the policy ‘property damage’ included ‘physical injury to tangible property’ and an ‘occurrence’