No-Fault Case Law

Parsons Med. Supply, Inc. v GEICO Gen. Ins. Co. (2013 NY Slip Op 52328(U))

The main issue in this case was whether prejudgment interest should accrue from the filing or the service of the summons and complaint in an action by a provider to recover assigned first-party no-fault benefits. The relevant facts in this case were that the plaintiff filed the summons and complaint in October 2008, but service was not completed until January 2009. A nonjury trial was subsequently held, and the Civil Court found in favor of the plaintiff, awarding them the principal sum plus interest from the date of filing. The defendant argued that interest should have been awarded from the date of service, rather than from the date of filing. The court held that interest on a no-fault claim does not accrue until the date of service of the summons and complaint and not from the date of filing. Therefore, the judgment was modified, and the matter was remitted to the Civil Court for a re-calculation of statutory interest in accordance with the court's decision.
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Alev Med. Supply, Inc. v Geico Gen. Ins. Co. (2013 NY Slip Op 52322(U))

The relevant facts were that this was a case where the plaintiff, Alev Medical Supply, Inc., was appealing the dismissal of their complaint, which sought to recover assigned first-party no-fault benefits from Geico Indemnity Company. A nonjury trial was held, and the trial court dismissed the plaintiff's complaint on the grounds that they had not established their prima facie case. The main issue decided by the appellate court was whether the plaintiff had provided sufficient evidence to support their claim for no-fault benefits. The appellate court held that the plaintiff had presented a witness at the trial who provided testimony and claim forms that established the prima facie evidence of the fact and amount of the loss sustained, thus reversing the judgment, awarding costs, and remitting the matter to the Civil Court for the entry of a judgment in favor of the plaintiff in the principal sum of $1,530, plus statutory interest and attorney's fees.
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Horizon Radiology, P.C. v Allstate Prop. & Cas. Ins. Co. (2013 NY Slip Op 51916(U))

The main issue in this case was whether the default judgment should be vacated pursuant to CPLR 5015 (a) (1) in an action by a provider to recover assigned first-party no-fault benefits. The court considered the fact that defendant had subsequently been granted summary judgment dismissing the complaint, making the appeal academic. The court ultimately decided to dismiss the appeal in light of the subsequent order granting summary judgment, as it rendered the appeal unnecessary. The holding of the case was that the appeal must be dismissed as academic in light of the subsequent order granting defendant's unopposed motion for summary judgment dismissing the complaint.
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Alev Med. Supply, Inc. v Geico Gen. Ins. Co. (2013 NY Slip Op 51915(U))

The main issue in this case was whether the defendant had failed to establish its prima facie case in a no-fault benefits action by a provider. The court considered the fact that at the nonjury trial, the plaintiff presented a witness whose knowledge of the business practices and procedures of the provider was deemed sufficient to lay a foundation for the claim forms to be admitted into evidence as business records. The Civil Court had erroneously directed judgment in favor of the defendant before the plaintiff's counsel had the opportunity to move the claim forms into evidence or to elicit testimony regarding the nonpayment of the claims. The holding of the court was that the judgment was reversed and the matter was remitted to the Civil Court for a new trial.
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American Tr. Ins. Co. v Marte-Rosario (2013 NY Slip Op 07416)

The relevant facts of the case included the plaintiff's motion for summary judgment against defendants Multiple Medical Health Services, P.C. and Infinite Chiropractic, PLLC. The main issue decided by the court was whether the plaintiff was entitled to summary judgment based on its submission of an affidavit of service demonstrating that notices scheduling independent medical examinations were properly mailed to the defendant in connection with a no-fault insurance claim. The holding of the court was that the plaintiff was entitled to summary judgment based on the evidence provided, and that the defendant had failed to rebut the presumption of a proper mailing. The court also rejected a request for modification of the order by defendant Empire Acupuncture, PC, and upheld the decision regarding Empire.
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American Tr. Ins. Co. v Lucas (2013 NY Slip Op 07273)

The case of American Tr. Ins. Co. v Lucas involved two separate actions in which the plaintiff, American Transit Insurance Company, sought declarations of non-coverage for no-fault benefits against defendant-respondent Sky Acupuncture, P.C. The injured claimants in both cases had failed to attend duly scheduled medical exams, which according to the court voided the policy. The Appellate Division, First Department, determined that plaintiff owed no coverage obligation to Sky Acupuncture, P.C. for no-fault benefits for the injured claimants, as the failure to attend the scheduled medical exams was an absolute coverage defense. The court relied on competent evidence that the notices scheduling the claimants' medical examinations had been mailed and the failure of the injured claimants to appear was established through sworn affidavits of the examining physician and his employee. The presumption of proper mailing was supported by the evidence and the failure of the claimants to attend the medical exams was found to be sufficient grounds for the plaintiff to retroactively deny all claims.
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Dinstber v Allstate Ins. Co. (2013 NY Slip Op 07103)

The case involves George Dinstber III and Allstate Insurance Company. Dinstber notified Allstate in January 2002 of injuries sustained in a motor vehicle accident and Allstate denied his no-fault claim, leading to Dinstber filing an action in which he asserted claims of breach of contract and tort, with a request for punitive damages. The court granted Allstate's motion for partial summary judgment, dismissing Dinstber's tort claim and denying his cross motion for, among other things, leave to amend the complaint. The court held that although punitive damages may be recoverable if necessary to vindicate a public right, Dinstber's claims did not allege a breach of duty distinct from Allstate's contractual obligations. The court also ruled that Dinstber's motion for leave to amend the complaint was properly denied as he failed to establish that the proposed amendment is not plainly without merit.
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Premier Health Choice Chiropractic, P.C. v Praetorian Ins. Co. (2013 NY Slip Op 51802(U))

The main issue in this case was whether the defendant-insurer was entitled to summary judgment dismissing the complaint made by Premier Health Choice Chiropractic, P.C. The court considered the fact that the defendant made a prima facie showing of entitlement to judgment as a matter of law by demonstrating that it timely denied the plaintiff's first-party no-fault claims based on a sworn independent medical examination (IME) report of its examining chiropractor. The court held that the unsworn doctor's report submitted with the plaintiff's attorney's affirmation was without probative value and did not meaningfully refer to, let alone rebut, the contrary findings made by the defendant's peer reviewer. Therefore, the court reversed the order of the Civil Court of the City of New York and granted the defendant's motion for summary judgment, directing the clerk to enter judgment accordingly.
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Amherst Med. Supply, LLC v A. Cent. Ins. Co. (2013 NY Slip Op 51800(U))

The court considered the denial of the defendant-insurer's motion for summary judgment in a case to recover assigned first-party no-fault benefits. The main issue decided was whether the peer review report and affidavit submitted by the defendant's chiropractor provided a sufficient basis to conclude that the medical supplies at issue were not medically necessary. The court held that the peer reviewer's assertion was insufficient to meet defendant's burden of eliminating all triable issues as to medical necessity. Additionally, the court found that the plaintiff's submission of an affidavit prepared by the assignor's treating chiropractor was sufficient to raise a triable issue as to medical necessity. Therefore, the order denying the defendant's motion for summary judgment was affirmed.
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Flatbush Chiropractic, P.C. v State Farm Mut. Auto. Ins. Co. (2013 NY Slip Op 51880(U))

The court considered whether the defendant's motion for summary judgment dismissing the complaint was justified. The main issue was whether the plaintiff had failed to comply with a condition precedent to coverage by failing to appear for scheduled examinations under oath (EUOs). The court held that the defendant had established through affidavits that the EUO scheduling letters and denial of claim forms had been timely mailed. Additionally, since the plaintiff did not respond in any way to the EUO requests, their objections regarding the requests were not heard. Therefore, the court affirmed the order granting the defendant's motion for summary judgment dismissing the complaint.
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