December 19, 2014
Right Solution Med. Supply, Inc. v NY Cent. Mut. Fire Ins. Co. (2014 NY Slip Op 51860(U))
https://www.beynensonlaw.com/case-law/right-solution-med-supply-inc-v-ny-cent-mut-fire-ins-co-2014-ny-slipop-51860u/
- Decided
- December 19, 2014
- Citation
- 2014 NY Slip Op 51860(U)
- Posture
- Summary judgment
- Outcome
- Insurer prevailed
Posture, outcome, issues and treatment by other decisions are Beynenson Law’s classification. Treatment labels are assigned by a language model reading the citing decision; negative and appeal-history labels are checked by a second reader.
Summary
Editorial summary by Beynenson Law, not part of the court’s decision.
Reported in New York Official Reports at Right Solution Med. Supply, Inc. v NY Cent. Mut. Fire Ins. Co. (2014 NY Slip Op 51860(U))
SUPREME COURT, APPELLATE TERM, SECOND DEPARTMENT, 2d, 11th and 13th JUDICIAL DISTRICTS
against
NY Central Mutual Fire Insurance Company, Appellant.
Appeal from an order of the Civil Court of the City of New York, Queens County (Joseph E. Capella, J.), entered May 15, 2012, deemed from a judgment of the same court entered June 13, 2012 (see CPLR 5501 [c]). The judgment, entered pursuant to the May 15, 2012 order granting the branches of plaintiff’s cross motion seeking summary judgment upon the first, second and third causes of action and denying the branches of defendant’s motion seeking summary judgment dismissing those causes of action, awarded plaintiff the principal sum of $2,958.
ORDERED that the judgment is reversed, with $30 costs, so much of the order entered May 15, 2012 as granted the branches of plaintiff’s cross motion seeking summary judgment upon the first, second and third causes of action and denied the branches of defendant’s motion seeking summary judgment dismissing those causes of action is vacated, the branches of plaintiff’s cross motion seeking summary judgment upon the first, second and third causes of action are denied, and the branches of defendant’s motion seeking summary judgment dismissing those causes of action are granted.
In this action by a provider to recover assigned first-party no-fault benefits, defendant appeals from so much of an order of the Civil Court as granted the branches of plaintiff’s cross motion seeking summary judgment upon the first, second and third causes of action and denied the branches of defendant’s motion seeking summary judgment dismissing those causes of action. A judgment was subsequently entered, from which the appeal is deemed to have been taken (see [*2]CPLR 5501 [c]).
The branches of defendant’s motion seeking summary judgment dismissing plaintiff’s second and third causes of action, were supported by an affidavit executed by defendant’s litigation examiner which sufficiently described defendant’s standard mailing practices and procedures so as to establish the timely mailing of defendant’s request for additional verification (see St. Vincent’s Hosp. of Richmond v Government Empls. Ins. Co., 50 AD3d 1123 [2008]; Delta Diagnostic Radiology, P.C. v Chubb Group of Ins., 17 Misc 3d 16 [App Term, 2d & 11th Jud Dists 2007]). In addition, the affidavit demonstrated that, after defendant had received the requested additional verification, defendant had timely denied the claims (see St. Vincent’s Hosp. of Richmond, 50 AD3d 1123; Delta Diagnostic Radiology, P.C., 17 Misc 3d 16) on the ground that plaintiff had failed to appear for duly scheduled independent medical examinations (IMEs). Defendant submitted an affidavit by an employee of the company which had been retained by defendant to schedule IMEs, which affidavit established that the scheduling letters had been timely mailed in accordance with that office’s standard mailing practices and procedures (see St. Vincent’s Hosp. of Richmond, 50 AD3d 1123; Delta Diagnostic Radiology, P.C., 17 Misc 3d 16). Defendant also submitted affidavits by the healthcare professionals who were to perform the IMEs, which affidavits established that plaintiff’s assignor had failed to appear for the duly scheduled IMEs (see Stephen Fogel Psychological, P.C. v Progressive Cas. Ins. Co., 35 AD3d 720 [2006]). Since defendant demonstrated that plaintiff had failed to comply with a condition precedent to coverage, the branches of defendant’s motion seeking summary judgment dismissing plaintiff’s second and third causes of action should have been granted.
With respect to plaintiff’s first cause of action, the affidavit of defendant’s litigation examiner established that defendant had timely mailed verification requests and follow-up verification requests (see St. Vincent’s Hosp. of Richmond, 50 AD3d 1123; Delta Diagnostic Radiology, P.C., 17 Misc 3d 16). Defendant also demonstrated that it had not received all of the verification requested, and plaintiff did not show that such verification had been provided to defendant prior to the commencement of this action. Consequently, the 30-day period within which defendant was required to pay or deny the claim did not begin to run (see 11 NYCRR 65-3.8 [a]; Central Suffolk Hosp. v New York Cent. Mut. Fire Ins. Co., 24 AD3d 492 [2005]; Hospital for Joint Diseases v State Farm Mut. Auto. Ins. Co., 8 AD3d 533 [2004]; D & R Med. Supply v. American Tr. Ins. Co., 32 Misc 3d 144[A], 2011 NY Slip Op 51727[U] [App Term, 2d, 11th & 13th Jud Dists 2011]; Doshi Diagnostic Imaging Servs. v State Farm Ins. Co., 16 Misc 3d 42 [App Term, 2d & 11th Jud Dists 2007]), and, thus, plaintiff’s first cause of action is premature. As a result, the branch of defendant’s motion seeking summary judgment dismissing plaintiff’s first cause of action should also have been granted.
Accordingly, the judgment is reversed, so much of the order entered May 15, 2012 as granted the branches of plaintiff’s cross motion seeking summary judgment upon the first, second and third causes of action and denied the branch of defendant’s motion seeking summary judgment dismissing those causes of action is vacated, the branches of plaintiff’s cross motion seeking summary judgment upon the first, second, and third causes of action are denied and the branches of defendant’s motion seeking summary judgment dismissing those causes of action are granted.
Pesce, P.J., Aliotta and Solomon, JJ., concur.
Decision Date: December 19, 2014
Legal questions (4)
Questions of no-fault law this decision rules on, from our Legal Questions pages. Bars count the decisions on the question by year and court, coloured by category; circles are this decision and the decisions on the question it cites or that cite it. Point at a bar or circle for details. The categories and summaries are Beynenson Law’s classification, made by a language model and checked by a second reading.
Did a party’s evidence establish that it mailed a no-fault claim, denial, verification request or examination notice?
This decision: The insurer's (or its agent's) proof established mailing of its denial, verification request or IME/EUO notice
Held the insurer's litigation examiner and IME scheduler affidavits, describing standard mailing practices, proved timely mailing of the verification requests, IME scheduling letters and denials, warranting reversal of judgment for the provider.
Of the 1,400 decisions on this question in the Second Department courts and the Court of Appeals, 809 (this one included) are in the same category.
Did the insurer prove its IME/EUO no-show defense: mailed, compliant scheduling requests and the claimant’s nonappearance?
This decision: Insurer proved mailed, compliant requests and the nonappearance; claimant's answers rejected
Held the IME scheduler's standard-practice affidavit proved mailing of the scheduling letters and the examining professionals' affidavits proved the assignor's nonappearance, so the insurer was entitled to dismissal of two causes of action.
Of the 858 decisions on this question in the Second Department courts and the Court of Appeals, 527 (this one included) are in the same category.
Is an IME/EUO no-show defense precluded if the insurer did not timely deny the claim on that ground?
This decision: Timely denial required as part of the no-show defense, and the insurer showed it (rules on the question, but another ground decided the case)
Held the insurer showed it timely denied the claims on the IME no-show ground after receiving the requested additional verification, supporting dismissal of two causes of action.
Of the 508 decisions on this question in the Second Department courts and the Court of Appeals, 338 (this one included) are in the same category.
Did unanswered verification requests make the provider’s claim premature, or justify denying it for nonresponse?
This decision: Timely requests went unanswered; the claim is not overdue and the action is premature (rules on the question, but another ground decided the case)
Held the first cause of action premature because the insurer timely mailed verification and follow-up requests, had not received all the verification, and the provider did not show it was provided before suit.
Of the 385 decisions on this question in the Second Department courts and the Court of Appeals, 153 (this one included) are in the same category.
Cited in this decision
A label shows how this decision treated the case it cites.
- St. Vincent’s Hosp. of Richmond v Government Empls. Ins. Co. (2008 NY Slip Op 04072)The insurer raised factual issues concerning a proper timely denial and its entitlement to deny the hospital's claim.
- Delta Diagnostic Radiology, P.C. v Chubb Group of Ins. (2007 NY Slip Op 27345)An insurer may prove mailing by describing its standard procedure for properly addressing and mailing items.
- Stephen Fogel Psychological, P.C. v Progressive Cas. Ins. Co. (2006 NY Slip Op 09604) FollowedAn insurer may deny benefits retroactively to the date of loss for failure to attend reasonably required IMEs under 11 NYCRR 65-1.1.
- Central Suffolk Hosp. v New York Cent. Mut. Fire Ins. Co. (2005 NYSlipOp 09484)An insurer need not pay or deny a no-fault claim until it receives all relevant verification requested.
- Hospital for Joint Diseases v State Farm Mut. Auto. Ins. Co. (2004 NY Slip Op 05413)The hospitals' first and fifth claims were dismissed because policy limits were exhausted and requested verification remained outstanding.
- D & R Med. Supply v American Tr. Ins. Co. (2011 NY Slip Op 51727(U))The provider's incomplete verification responses left the insurer's time to pay or deny untriggered and the action premature.
- Doshi Diagnostic Imaging Servs. v State Farm Ins. Co. (2007 NY Slip Op 27193)An insurer may request medical-necessity verification from a prescribing physician if it properly notifies the applicant of outstanding requests.
Similar decisions
- Clinton Place Med., P.C. v New York Cent. Mut. Fire Ins. Co. (2014 NY Slip Op 50963(U))The insurer proved its IME nonappearance defense for 13 claims but failed to establish timely denial of the fourteenth.
- Right Solution Med. Supply, Inc. v Praetorian Ins. Co. (2014 NY Slip Op 51793(U))The provider's summary judgment award on the fourth cause of action was reversed because verification responses remained disputed.
- Compas Med., P.C. v Praetorian Ins. Co. (2013 NY Slip Op 50249(U))Seven provider claims were dismissed for IME nonappearance or unanswered verification; neither side established summary judgment on two others.
- Alev Med. Supply, Inc. v New York Cent. Mut. Fire Ins. Co. (2013 NY Slip Op 50258(U))The insurer's IME nonappearance denials were timely because it issued them within 30 days after receiving requested written verification.
- St. Vincent Med. Care, P.C. v Country Wide Ins. Co. (2010 NY Slip Op 50488(U))Unanswered verification requests kept eight claims premature despite a follow-up mailed before the full response period expired.