(September 19, 2023, 3:49 PM EDT) -- PHILADELPHIA — The Third Circuit U.S. Court of Appeals affirmed a lower federal court’s summary judgment ruling in favor of an insurer in an insured’s lawsuit alleging that it applied an undisclosed, extracontractual insurance premium formula to secretly increase his policy premiums, finding that the insured failed to demonstrate a material misrepresentation as required for a common-law fraud claim or unlawful conduct as required under the New Jersey Consumer Fraud Act (NJFCA)....