some value. See Household Int’l, 286 F.Supp.2d at 378. We therefore conclude that the Supreme Court of Illinois would not recognize Policyholders’ tacit misrepresentation theory. We reach the same conclusion with respect to Policyholders’ fraud claims under New Jersey law. Our research does not disclose any New Jersey case permitting the theory advanced by Policyholders. In the absence of a specific request for the type of coverage excluded by the FIE, we do not believe that the New Jersey Supreme Court would hold that an insurer’s failure to notify an insured that it was not covering all of their business functions would constitute a representation that it was in fact covering all of their business functions. See generally Wang v. Allstate Ins., 125 N.J. 2, 592 A.2d 527, 532 (1991) (<HOLDING>). Moreover, even if Policyholders could show
recognizing exception to general rule that insured is charged with knowledge of the policy conditions if the evidence reflects a special relationship of trust or other unusual circumstances which would have prevented or excused the insured of his duty to exercise ordinary diligence holding it against public policy for a common carrier to stipulate for exemption of liability in the event its negligence results in injury to its passengers holding that an arbitration award involving the appellants challenge to the failure of the insurance company to ensure that he had read and understood a signed waiver and to attach the waiver to the insurance policy as contrary to public policy is not reviewable by the courts because there is no challenge to a provision or term of the policy the appellant never claimed that the waiver or policy language itself was contrary to the public policy of this commonwealth holding that there is no common law duty of a carrier or its agents to advise an insured concerning the possible need for higher policy limits upon renewal of the policy absent a special relationship holding that policy limits are not a defense to coverage and that policy limits define the amount of coverage