In Asbury Park v. Star Ins. Co., a firefighter was justly compensated for his work-related injuries, but the workers’ comp payout caused a fight between Asbury Park and its insurance carrier. In this certified question from the 3rd Circuit, the NJ Supreme Court held that the contract between the insured city and the insurer controlled the allocation of funds recovered from a third-party tortfeasor, thereby negating the Made Whole Doctrine.