No-Fault Case Law
Kraft v State Farm Mut. Auto. Ins. Co. (2011 NY Slip Op 21413)
October 6, 2011
The court considered the request made by Dr. John Kraft, D.C., as assignee of Dana Schepanski, for payment for chiropractic services provided to the assignor. The main issue decided by the court was whether the medical necessity of the chiropractic manipulation under anesthesia performed by Dr. Kraft was appropriate. The court held that manipulation under anesthesia is a procedure within the lawful scope of chiropractic services, provided the anesthesia is administered by a licensed professional and not by the chiropractor. The court also found that Dr. Kraft was authorized to perform manipulation of the bilateral hip areas under anesthesia, as the treatment was for the purpose of nerve interference related to the vertebral column, and thus was within the scope of lawful chiropractic practice as defined in the Education Law. The court further held that the defendant failed to rebut the presumption of medical necessity of these procedures by a fair preponderance of the credible evidence and awarded judgment in favor of Dr. Kraft, D.C, in the amount of $1,594.10, with statutory interest, attorney fees, costs and disbursements.
D & R Med. Supply v American Tr. Ins. Co. (2011 NY Slip Op 51727(U))
September 19, 2011
The main issues in the case were whether the medical supply company adequately responded to the insurance company's verification requests, and whether the insurance company was entitled to summary judgment dismissing the complaint. The court considered the timeliness of the mailings of the insurance company's request and follow-up request for verification and whether the medical supply company provided the information requested. The holding was that the court reversed the lower court's order, denied the medical supply company's motion for summary judgment, and granted the insurance company's cross motion for summary judgment dismissing the complaint. The court found that the medical supply company failed to provide the information requested by the insurance company in response to the verification requests, and therefore, the insurance company's time to pay or deny the claim had not begun to run. As a result, the medical supply company was not entitled to summary judgment in its favor.
Radiology Today, P.C. v Progressive Ins. Co. (2011 NY Slip Op 51724(U))
September 16, 2011
The court considered an appeal from a judgment of the Civil Court of the City of New York, Kings County, which awarded the plaintiff, Radiology Today, P.C., the principal sum of $912 in a case to recover assigned first-party no-fault benefits. The main issue was the admissibility of a peer review report and the testimony of the defendant's expert witness in a nonjury trial limited to the issue of the medical necessity of the billed-for services. The court held that the defendant's expert medical witness should have been permitted to testify, and that the judgment was reversed and remitted to the Civil Court for a new trial due to the preclusion of the admission of the peer review report into evidence and the testimony of the defendant's expert witness.
LVOV Acupuncture, P.C. v Geico Ins. Co. (2011 NY Slip Op 51721(U))
September 16, 2011
The relevant facts of the case were that a healthcare provider had rendered acupuncture services and sought to recover payments from an insurance company. The insurance company had reimbursed the healthcare provider using the workers' compensation fee schedule applicable to chiropractors who render the same services. The main issue was whether the insurance company had properly reimbursed the healthcare provider for the services rendered. The holding of the case was that the workers' compensation fee schedule was of sufficient authenticity and reliability to be given judicial notice. The insurance company had fully paid the healthcare provider for the services billed under certain codes in accordance with the fee schedule, so the complaint was dismissed for these claims. However, the healthcare provider's claim for the initial acupuncture visit on a specific date was granted, and the insurance company's cross-motion for summary judgment was granted in dismissing the remaining claims.
EBM Med. Health Care, P.C. v Amica Mut. Ins. Co. (2011 NY Slip Op 51720(U))
September 16, 2011
The relevant facts considered by the court were that an action was filed by a provider to recover assigned first-party no-fault benefits. The main issue decided was whether the action was barred by the statute of limitations. The holding of the case was that the defendant had not met its initial burden of establishing that the time in which to sue had expired, and therefore the court reversed the order and denied the defendant's motion to dismiss the complaint. The court found that the defendant failed to demonstrate that the bills received were the subject of the action, and therefore the time in which to sue had not expired.
Vincent Med. Servs., P.C. v New York Cent. Mut. Fire Ins. Co. (2011 NY Slip Op 51718(U))
September 16, 2011
The case involved an action by a medical services provider to recover assigned first-party no-fault benefits. The provider moved for summary judgment, while the defendant insurance company cross-moved for summary judgment, arguing that the plaintiff's assignor had failed to attend independent medical examinations (IMEs). The Civil Court denied both motions, and the defendant appealed the denial of its cross motion for summary judgment.
In support of its cross motion, the defendant submitted evidence that the IME requests had been timely mailed and that the plaintiff's assignor had failed to appear for the scheduled IMEs. The defendant also demonstrated that the claim denial forms had been timely mailed. The court held that the assignor's appearance at an IME was a condition precedent to the insurer's liability, and since the assignor failed to satisfy this condition precedent, the insurer properly denied the claims.
Therefore, the court reversed the order, granted the defendant's cross motion for summary judgment, and held that the defendant was not precluded from raising the issue of the assignor's failure to satisfy the condition precedent to coverage. The remaining contentions raised on appeal were not reached in light of this determination.
Multi-Specialty Pain Mgt. PC v New York Cent. Mut. Fire Ins. Co. (2011 NY Slip Op 51677(U))
September 14, 2011
The court considered the defendant's appeal from an order of the Civil Court of the City of New York, Bronx County, which denied its motion for summary judgment dismissing the complaint. The main issue decided was whether the defendant properly mailed initial and follow-up notices of independent medical examinations (IMEs) to the assignor and her attorney, and if the assignor's failure to appear at the IME was reasonable. The court held that the defendant's submissions established prima facie evidence that it properly mailed the IME notices and that the assignor's failure to attend was not reasonable. Therefore, the court reversed the order, granted the defendant's motion for summary judgment, and dismissed the complaint.
Triangle R Inc. v New York Cent. Mut. Fire Ins. Co. (2011 NY Slip Op 51663(U))
September 9, 2011
The court considered the motion for summary judgment filed by the defendant in relation to a complaint brought by the plaintiff to recover first-party no-fault benefits. The main issue in this case was whether the medical supplies provided by the plaintiff to its assignor were medically necessary. The court held that the defendant's submissions established prima facie that the medical supplies were not medically necessary, and the plaintiff failed to present evidence to raise a triable issue of fact in opposition. Additionally, the court found that the medical report relied upon by the plaintiff was not properly sworn and should not have been considered. Therefore, the court granted the defendant's motion for summary judgment and dismissed the complaint.
East 75th St. Diagnostic Imaging v Clarendon Natl. Ins. Co. (2011 NY Slip Op 21315)
September 8, 2011
The main issues at hand was a no-fault action where the defendant moved for summary judgment to dismiss the case based on the opinions of its peer review doctor, who found that three MRIs were not medically necessary. The plaintiff argued that it needed to obtain copies of the medical records in order to make a proper opposition to the motion. The court found that the plaintiff needed to have access to the underlying medical records and that it may lead to relevant evidence. The plaintiff, being a diagnostic facility, lacked personal knowledge of the facts which established the medical necessity of the MRIs and therefore was entitled to the benefit of the law which stated that facts essential to justify opposition were exclusively within the knowledge and control of the nonparty treating physicians and the defendant's peer review doctor. So, the court had the discretion to deny the defendant's motion for summary judgment or order a continuance to allow the plaintiff to pursue disclosure of the underlying medical records.
Darlington Med. Diagnostics, P.C. v Praetorian Ins. Co. (2011 NY Slip Op 51634(U))
August 31, 2011
The relevant facts of the case involved a dispute between Darlington Medical Diagnostics, P.C. and Praetorian Insurance Company regarding the payment of no-fault benefits. The main issue decided by the court was whether the insurer was obligated to pay or deny a claim for no-fault benefits before receiving verification of the information requested. The court held that the insurer is not obligated to do so and that it had established its prima facie entitlement to summary judgment dismissing the claim as premature, as the plaintiff failed to respond to the insurer's verification requests. The court also found that the plaintiff's denial of receipt of the initial verification letter was insufficient to raise a triable issue, and therefore granted the insurer's motion for summary judgment and dismissed the complaint.