No-Fault Case Law

Bajaj v Progressive Ins. Co. (2006 NY Slip Op 52387(U))

The court considered the fact that the plaintiff was seeking recovery of first-party no-fault benefits for medical services provided to an assignor, and the insurer had timely denied the bills in question on the basis of lack of medical necessity. The main issue decided was that the insurer was not authorized to take the deposition of its expert after the notice of trial was filed, and the deposition testimony was inadmissible due to being based on documents not in evidence. The holding of the case was that the court rendered judgment in favor of the plaintiff, ordering the insurer to pay the full amount prayed for by the plaintiff, along with statutory interest, costs, and attorneys' fees.
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Forrest Chen Acupuncture Servs., P.C. v Nationwide Mut. Ins. Co. (2006 NY Slip Op 52270(U))

The court considered the fact that the plaintiff failed to prove the mailing of its claims, which is an essential element of its prima facie case to recover first-party no-fault benefits. The main issue decided in the case was whether the plaintiff had submitted a claim, setting forth the fact and amount of the loss sustained, which is required to recover benefits. The holding of the case was that the plaintiff's motion for summary judgment was denied due to its failure to prove mailing of its claims, and the defendant's cross motion for summary judgment was also denied because it failed to establish that it never received the plaintiff's claim or that the claim was submitted beyond the statutory deadline. Therefore, the order was modified by denying the defendant's cross motion for summary judgment and affirmed without costs.
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Vista Surgical Supplies, Inc. v Progressive Cas. Ins. Co. (2006 NY Slip Op 52267(U))

In this case, the plaintiff, Vista Surgical Supplies, Inc., brought an action to recover assigned first-party no-fault benefits. A so-ordered stipulation directed the plaintiff to appear for a deposition by a certain date, with the consequence of being precluded from offering evidence at trial if they failed to appear. The plaintiff failed to appear at the deposition and instead moved for summary judgment just prior to the date they were required to appear. The defendant cross-moved to strike the plaintiff's pleadings and dismiss the complaint based on the failure to appear at the deposition. The court denied the plaintiff's motion for summary judgment and granted the defendant's cross motion to dismiss, noting that the plaintiff's failure to appear at the deposition as directed. The plaintiff appealed, claiming that filing the summary judgment motion stayed all discovery and there was no requirement to appear on the scheduled date. However, the court held that the plaintiff's service of the summary judgment motion just before it was required to appear was nothing more than a ploy to avoid the court's directives, and that such flagrant disregard of a court order should not be condoned. Therefore, the order was affirmed without costs.
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Dilon Med. Supply Corp. v State Farm Mut. Auto. Ins. Co. (2006 NY Slip Op 52266(U))

The case involved an insurance company's denial of a claim for first-party no-fault benefits. The plaintiff, Dilon Medical Supply Corp., sought summary judgment, claiming that they had submitted statutory claim forms and that the payment of benefits was overdue. By providing evidence of claim denial forms sent to the defendant, Dilon established its prima facie entitlement to summary judgment. The defendant, State Farm Mutual Automobile Insurance Co., did not deny the claims within the required 30 days and failed to provide proof of timely verification requests, thus the denial was deemed untimely. State Farm's defense alleging a fraudulent scheme involving excessive billing or lack of medical necessity was not considered, as it was subject to the 30-day preclusion rule. The court granted summary judgment in favor of Dilon and remanded the case for the calculation of statutory interest and an assessment of attorney's fees.
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AVA Acupuncture, P.C. v New York Cent. Mut. Fire Ins. Co. (2006 NY Slip Op 52256(U))

The court considered the facts that AVA Acupuncture, P.C. was seeking to recover first-party no-fault benefits from New York Central Mutual Fire Insurance Company. The issue was whether AVA Acupuncture, P.C. had established its prima facie entitlement to summary judgment, and whether New York Central Mutual Fire Insurance Company had demonstrated the existence of a triable issue of fact. The court held that AVA Acupuncture, P.C. had established its entitlement to summary judgment based on the submission of statutory claim forms and that New York Central Mutual Fire Insurance Company had failed to establish that it timely denied the claims, and thus was precluded from asserting its defenses. Therefore, the judgment awarding AVA Acupuncture, P.C. the sum of $2,580.09 was affirmed.
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RJ Professional Acupuncturist P.C. v Geico Ins. Co. (2006 NY Slip Op 52255(U))

The relevant facts considered by the court were that the master arbitrator had upheld the arbitrator's award, which had denied the petitioner's claims for no-fault benefits. The main issue decided by the court was whether there was a rational basis for the determination of the master arbitrator in upholding the arbitrator's award. The court's holding was that there was a rational basis for the master arbitrator's determination, and, therefore, the court properly denied the petition to vacate the master arbitrator's award. The court also noted that, pursuant to CPLR 7511(e), upon denying the petition, the court was required to confirm the award. The decision was rendered on November 15, 2006.
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Andrew Carothers, M.D., P.C. v Travelers Ins. Co. (2006 NY Slip Op 52328(U))

The relevant facts the court considered were a dispute over the payment of no-fault benefits for medical services provided to an assignor by Andrew Carothers M.D., P.C. The main issue decided by the court was whether the Plaintiff had standing to bring the action and whether they established a prima facie entitlement to the no-fault benefits. The court held that the Plaintiff did have standing based on the assignment provided for services rendered to their assignor and that they established a prima facie case by submitting proof that the claim was timely sent, received by the defendant, and not paid or denied within thirty days. The court also held that the Defendant failed to substantiate their basis for denying the claim on the grounds of lack of medical necessity, and as a result, judgment was entered for the Plaintiff in the amount of $2670.39.
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Hospital for Joint Diseases v Travelers Prop. Cas. Ins. Co. (2006 NY Slip Op 08214)

The court considered an action to recover no-fault medical payments in a case where the plaintiff sought summary judgment on a cause of action to recover unpaid medical treatment. The plaintiff submitted a hospital bill with a signed certified mail return receipt and the affidavit of its third-party biller, which showed that the defendants failed to pay the claim or issue a denial of claim form. The defendants were unable to raise a triable issue of fact in opposition to the motion for summary judgment and failed to demonstrate their entitlement to judgment as a matter of law in their cross motion. The Supreme Court found that the defendants' failure to timely object to the adequacy of the claim forms or seek verification of the assignment constituted a waiver of any defenses based thereon. Therefore, the court affirmed the order granting the plaintiff's motion and denying the defendants' cross motion.
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Expo Med. Supplies, Inc. v St. Paul Fire & Mar. Ins. Co. (2006 NY Slip Op 52251(U))

The relevant facts considered by the court were in relation to a denied claim for first-party no-fault benefits for medical supplies. The main issue decided was whether the insurer had provided a sufficient basis and medical rationale for its denial of the claim. The decision of the court was that the insurer failed to establish its prima facie entitlement to summary judgment because the denial form was factually insufficient, and the peer review report was not attached or supplied to the claimant within 30 days of receipt. As a result, the insurer was precluded from asserting the defense of lack of medical necessity, and the denial of the claim was affirmed without costs.
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Executive MRI Imaging, P.C. v New York Cent. Mut. Fire Ins. Co. (2006 NY Slip Op 52250(U))

The court considered that plaintiff established a prima facie entitlement to summary judgment by proof that it submitted claims and that payment of no-fault benefits was overdue. The defendant's acknowledgment of receipt on its denial form cured any deficiencies in the plaintiff's proof of mailing. However, the court ruled that the defendant's denial was untimely, precluding most defenses. The untimely denial did not preclude the defendant from interposing the defense that the injuries were not causally related to the accident, but the defendant's accident analysis report was not in admissible form. The court affirmed the order without costs. Therefore, the main issues decided included the timeliness of the denial, whether the injuries were caused by the accident, and the admissibility of the defendant's accident analysis report. The holding of the case was that the plaintiff was entitled to summary judgment and the defendant's denial was untimely.
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