file revealed that this would be contrary to New Jersey law.
Appellant was hospitalized at Tucson Medical Center from April 20 until May 2, 1982, when he was transferred to the pain clinic at St. Joseph's Hospital in Phoenix where he remained until September 10, 1982. State Farm paid appellant's medical expenses through July 8, 1982. In October a claims representative sent appellant a letter advising him that no further payments would be made to him because Blue Cross and Lincoln National Life Insurance had also paid his medical bills, that, under New Jersey law, State Farm would only pay what other collateral sources did not and that State Farm would make no further payments until it was reimbursed for these amounts.
After State Farm ceased payment, Helfond met witha claims representative and later met with Stamper. Stamper told Helfond that, after the independent medical examinations were completed, State Farm would have three choices: one, to pay his medical bills in full; two, to pay only the unpaid portion of the bills, or three, to pay none of the bills and to sue for the back payments for which he had also received collateral benefits. Stamper told Helfond he did not like, could not stand, or could not stomach (Helfond's witness could not remember his exact words) people who made their living off insurance companies. He told him that after his independent medical examination, Stamper's recommendation would be to sue him for the money that had been paid by State Farm. He also recommended that Helfond get