New Jersey has long recognized that an insurer seeking to preserve defenses to coverage must properly notify its insurer through a reservation of rights. Once the insurer receives knowledge of a potential basis for denying the claim, they must promptly inform the insured of a potential disclaimer.[1] An insurer that fails to do so within a reasonable amount of time may be estopped from denying coverage later, with estoppel determinations being made on a case-by-case basis.