In Hallion v. Liberty Mutual Insurance Co., 337 N.J. Super. 360, 369, 766 A.2d 1224 (App.Div.2001), plaintiff was injured while driving in an automobile owned by her daughter and insured by CNA. Id. at 363, 766 A.2d 1224, Plaintiff had her own policy issued by Liberty Mutual. Ibid. The minimal liability coverage on the tortfeasor's vehicle triggered the respective policies' UIM coverage. Ibid. Applying Magnifico, we concluded: Liberty Mutual's policy provided to plaintiffs contained the standard "other insurance" clause similar to the policy in Magnifico, and the CSC policy of the host vehicle provided UIM coverage to Dale Hallion as a person "occupying" the covered vehicle. Applying the clear policy language, we conclude that CNA provided primary coverage and Liberty Mutual provided excess UIM coverage to plaintiffs. Id. at 371, 766 A.2d 1224,