The requirements for a valid disclaimer are found under Insurance Law § 3420(d). This section provides that:
“If under a liability policy delivered or issued for delivery in this state, an insurer shall disclaim liability or deny coverage for death or bodily injury arising out of a motor vehicle accident, or any other type of accident occurring within this state, it shall give written notice as soon as is reasonably possible of such disclaimer of liability or denial of coverage to the insured and the injured person or any other claimant.”
(Jimenez v. N.Y. Cent. Mut. Fire Ins., 2007 N.Y. Slip Op. 32139, 3-4 [N.Y. Sup. Ct. 2007].)
“The legislature enacted section 3420(d)(2) to ‘aid injured parties’ by encouraging the expeditious resolution of liability claims.” (Keyspan Gas E. Corp. v. Munich Reinsurance Am., Inc. (2014) 15 N.E.3d 1194, 1197-98 citing Allstate Ins. Co. v. Gross (1970) 27 N.Y.2d 263, 267; see First Fin. Ins. Co. v. Jetco Contr. Corp. (2003) 1 N.Y.3d 64, 68.)
“To effect this goal, the statute ‘establishe[s] an absolute rule that unduly delayed disclaimer of liability or denial of coverage violates the rights of the insured [or] the injured party.’” (Keyspan Gas E. Corp., supra, citing Allstate, supra, 27 N.Y.2d at 267, 269.) “Compared to traditional common-law waiver and estoppel defenses, section 3420(d)(2) creates a heightened standard for disclaimer that ‘depends merely on the passage of time rather than on the insurer's manifested intention to release a right as in waiver, or on prejudice to the insured as in estoppel.’” (Allstate id. at 269.)
“When an insurer disclaims liability, it is required to provide written notice to the insured an injured person.” (Bahnuk v. Countryway Ins. Co., No. 2021-32052, at *6 [N.Y. Sup. Ct. Sep. 28, 2021] citing Insurance Law § 3420 (d) (2).)
“While an insurer is subject to a monetary penalty for failure to timely disclose in accordance with section 3420(d)(1), its failure to timely disclaim liability or deny coverage is considered an unduly delayed notice that results in per se prejudice to the insured and limits the defenses an insurer could raise against an insured's claim.” (Nadkos, Inc. v. Preferred Contractors Ins. Co. (2019) 34 N.Y.3d 1, 6 citing KeySpan Gas E. Corp. v. Munich Reins. Am., Inc. (2014) 23 N.Y.3d 583, 590; Insurance Law § 2601[c].)
“By its plain terms, section 3420(d)(2) applies only in a particular context: insurance cases involving death and bodily injury claims arising out of a New York accident and brought under a New York liability policy.” (Keyspan Gas E. Corp., supra, 15 N.E.3d at 1198 citing Preserver Ins. Co. v. Ryba (2008) 10 N.Y.3d 635, 642 [“Insurance Law § 3420(d) requires timely disclaimer only for denials of coverage ‘for death or bodily injury.’”])
“Where [...] the underlying claim does not arise out of an accident involving bodily injury or death, the notice of disclaimer provisions set forth in Insurance Law § 3420(d) are inapplicable.” (Keyspan Gas E. Corp., supra, 15 N.E.3d at 1198 citing Vecchiarelli v. Continental Ins. Co. (2000) 277 A.D.2d 992, 993.)
“In such cases, the insurer will not be barred from disclaiming coverage ‘simply as a result of the passage of time,” and its delay in giving notice of disclaimer should be considered under common-law waiver and/or estoppel principles.” (Keyspan Gas E. Corp., supra, 15 N.E.3d at 1198.)
“[T]imeliness of an insurer's disclaimer is measured from the point in time when the insurer first learns of the grounds for disclaimer of liability or denial of coverage.” (U.S. Underwriters Ins. Co. v. Image By J&K, LLC (2018) 335 F. Supp. 3d 321, 342 citing Phila. Indem. Ins. Co. v. Intrepid Grp., LLC , No. 16-CV-7928, 2018 WL 1517199, at *6 [S.D.N.Y. Mar. 26, 2018] [quoting First Fin. Ins. Co. v. Jetco Contracting Corp. (2003) 1 N.Y.3d 64, 68–69.)
“[T]his notice provision is ‘designed to protect the insured ... against the risk, posed by a delay in learning the insurer's position, of expending ... resources in an ultimately futile attempt to recover damages from an insurer.’” (U.S. Underwriters Ins. Co. v. Image By J&K, LLC (2018) 335 F. Supp. 3d 321, 342 citing Zurich Am. Ins. Co. v. Liberty Mut. Ins. Co. (2017) 710 F. App'x 3, 7.)
8 pages
FILED: KINGS COUNTY CLERK 04/03/2023 03:02 PM INDEX NO. 503218/2023 NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 04/03/2023 SUPREME COURT OF THE …
15 pages
FILED: KINGS COUNTY CLERK 03/08/2023 03:31 PM INDEX NO. 533917/2022 NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 03/08/2023 SUPREME COURT OF THE STATE …
19 pages
FILED: NASSAU COUNTY CLERK 02/01/2023 03:07 PM INDEX NO. 611053/2018 NYSCEF DOC. NO. 112 RECEIVED NYSCEF: 02/01/2023 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF NASSAU ---------------------------------------------------------------------X UNION MUTUAL FIRE INSURANCE COMPANY, …
Nassau County, NY
Feb 01, 2023
Commercial - Insurance
23 pages
------------- FILED: NASSAU COUNTY CLERK 01/06/2023 10:38 AM INDEX NO. 611053/2018 NYSCEF DOC. NO. 108 RECEIVED NYSCEF: 01/06/2023 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF NASSAU ----…
Nassau County, NY
Jan 06, 2023
Commercial - Insurance
16 pages
FILED: NEW YORK COUNTY CLERK 05/24/2022 05:41 PM INDEX NO. 653882/2019 NYSCEF DOC. NO. 69 RECEIVED NYSCEF: 05/24/2022 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF NEW YORK TITAN INDUSTRIAL SERVICES CORP. AND Index No.: 653882/2019 …
New York County, NY
May 24, 2022
Commercial - Insurance
21 pages
FILED: RICHMOND COUNTY CLERK 08/25/2021 10:59 AM INDEX NO. 150253/2019 NYSCEF DOC. NO. 45 RECEIVED NYSCEF: 08/25/2021 SUPREME COURT OF TH…
Richmond County, NY
Aug 25, 2021
Commercial - Contract
11 pages
FILED: NASSAU COUNTY CLERK 04/22/2021 02:15 PM INDEX NO. 610208/2019 NYSCEFJDP/bc DOC. NO. 74 13-24500 4/22/2021 RECEIVED NYSCEF: 04/22/2021 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF NAS…
Nassau County, NY
Apr 22, 2021
Commercial - Insurance
37 pages
FILED: QUEENS COUNTY CLERK 04/13/2021 02:27 PM INDEX NO. 713568/2019 NYSCEF DOC. NO. 66 RECEIVED NYSCEF: 04/13/2021 To Be Argued By: …
Queens County, NY
Apr 13, 2021
Commercial - Insurance
PAM B. JACKMAN
25 pages
FILED: RICHMOND COUNTY CLERK 01/13/2021 01:54 PM INDEX NO. 150253/2019 NYSCEF DOC. NO. 17 RECEIVED NYSCEF: 01/13/2021 SUPREME COURT OF…
Richmond County, NY
Jan 13, 2021
Commercial - Contract
15 pages
FILED: KINGS COUNTY CLERK 12/12/2019 02:38 PM INDEX NO. 500153/2019 NYSCEF DOC. NO. 18 RECEIVED NYSCEF: 12/12/2019 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF KINGS --------------------------------------------------------- X …
Kings County, NY
Dec 12, 2019
Commercial - Insurance
26 pages
FILED: NASSAU COUNTY CLERK 11/27/2019 02:04 PM INDEX NO. 614968/2018 NYSCEF DOC. NO. 53 RECEIVED NYSCEF: 11/27/2019 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF NASSAU ------------------------------------------------------------------…
14 pages
FILED: ERIE COUNTY CLERK 11/26/2019 10:58 AM INDEX NO. 809897/2015 NYSCEF DOC. NO. 112 RECEIVED NYSCEF: 11/26/2019 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF ERIE --------------------------------------------------------------------X ABUKAD…
Erie County, NY
Nov 26, 2019
Medical Malpractice
John B Licata
13 pages
FaReoR Bnocxs & Zaxtr L.L.P. Arr:oRNnvs Ar Law 4OO GARDEN CTTY PIAZE, SUTTP 1OO . GARDNU CITV, NEW YORK 11530 tpr,. (sr0) zB9-b100 FA.\ (516) 739-b109 www.fbzlaw.com Le…
New York County, NY
Oct 29, 2019
Commercial - Insurance
13 pages
FaReoR Bnocxs & Zaxtr L.L.P. Arr:oRNnvs Ar Law 4OO GARDEN CTTY PIAZE, SUTTP 1OO . GARDNU CITV, NEW YORK 11530 tpr,. (sr0) zB9-b100 FA.\ (516) 739-b109 www.fbzlaw.com Le…
New York County, NY
Oct 29, 2019
Commercial - Insurance
8 pages
FILED: NEW YORK COUNTY CLERK 10/15/2019 10:41 AM INDEX NO. 654376/2015 NYSCEF DOC. NO. 82 RECEIVED NYSCEF: 10/15/2019 SUPREME COURT OF THE STATE OF NEW YORK NEW YORK COUNTY PRESENT: HON. ANDREW …
New York County, NY
Oct 15, 2019
Commercial - Insurance
8 pages
FILED: NEW YORK COUNTY CLERK 10/15/2019 10:41 AM INDEX NO. 654376/2015 NYSCEF DOC. NO. 82 RECEIVED NYSCEF: 10/15/2019 SUPREME COURT OF THE STATE OF NEW YORK NEW YORK COUNTY PRESENT: HON. ANDREW …
New York County, NY
Oct 15, 2019
Commercial - Insurance
12 pages
FILED: NEW YORK COUNTY CLERK 08/05/2019 05:58 PM INDEX NO. 154462/2015 NYSCEF DOC. NO. 102 RECEIVED NYSCEF: 08/05/2019 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF NEW YORK ---------------------------------------------------------------------- X …
New York County, NY
Aug 05, 2019
Contract (Non-Commercial)
2 pages
FILED: NEW YORK COUNTY CLERK 07/19/2019 04:56 PM INDEX NO. 154462/2015 NYSCEF DOC. NO. 93 RECEIVED NYSCEF: 07/19/2019 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF NEW YORK ---------------------------------------------------------------------- X …
New York County, NY
Jul 19, 2019
Contract (Non-Commercial)
25 pages
FILED: NEW YORK COUNTY CLERK 06/18/2019 12:07 PM INDEX NO. 654376/2015 NYSCEF DOC. NO. 58 RECEIVED NYSCEF: 06/18/2019 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF NEW YORK --------------------…
New York County, NY
Jun 18, 2019
Commercial - Insurance
25 pages
FILED: NEW YORK COUNTY CLERK 06/18/2019 12:07 PM INDEX NO. 654376/2015 NYSCEF DOC. NO. 58 RECEIVED NYSCEF: 06/18/2019 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF NEW YORK --------------------…
New York County, NY
Jun 18, 2019
Commercial - Insurance
32 pages
FILED: NEW YORK COUNTY CLERK 04/15/2019 10:48 AM INDEX NO. 652939/2017 NYSCEF DOC. NO. 164 RECEIVED NYSCEF: 04/15/2019 SUPREME COURT OF THE OF NEW YORK COUNTY OF NEW YORK ---------- …
New York County, NY
Apr 15, 2019
Commercial - Insurance
4 pages
FILED: QUEENS COUNTY CLERK 04/08/2019 10:04 AM INDEX NO. 704197/2018 NYSCEF DOC. NO. 78 RECEIVED NYSCEF: 04/08/2019 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF QUEENS …
Queens County, NY
Apr 08, 2019
Commercial - Contract
PAM B. JACKMAN
36 pages
FILED: NASSAU COUNTY CLERK 12/07/2018 03:35 PM INDEX NO. 604078/2016 NYSCEF DOC. NO. 55 RECEIVED NYSCEF: 12/07/2018 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF NASSAU …
Nassau County, NY
Dec 07, 2018
Commercial - Insurance
JOHN MICHAEL
10 pages
FILED: NEW YORK COUNTY CLERK 05/03/2018 03:03 PM INDEX NO. 652031/2016 NYSCEF DOC. NO. 90 RECEIVED NYSCEF: 05/03/2018 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF NEW YORK -------------------------------------------------------…
New York County, NY
May 03, 2018
Commercial - Insurance
2 pages
FILED: SUFFOLK COUNTY CLERK 01/09/2018 03:00 PM INDEX NO. 604661/2017 NYSCEF DOC. NO. 84 RECEIVED NYSCEF: 01/09/2018 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF SUFFOLK ----------------------------------------------------------…
Disposed
Suffolk County, NY
Jan 09, 2018
Torts - Other (Declaratory judgment)
2 pages
FILED: SUFFOLK COUNTY CLERK 01/09/2018 03:00 PM INDEX NO. 604661/2017 NYSCEF DOC. NO. 84 RECEIVED NYSCEF: 01/09/2018 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF SUFFOLK ----------------------------------------------------------…
Disposed
Suffolk County, NY
Jan 09, 2018
Torts - Other (Declaratory judgment)
46 pages
FILED: SUFFOLK COUNTY CLERK 12/07/2017 05:41 PM INDEX NO. 604661/2017 NYSCEF DOC. NO. 76 RECEIVED NYSCEF: 12/07/2017 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF SUFFOLK -------------------------------------------------------------------X Index #: 60466112017 COUNTY OF SUFFOLK, …
Suffolk County, NY
Dec 07, 2017
Torts - Other (Declaratory judgment)
46 pages
FILED: SUFFOLK COUNTY CLERK 12/07/2017 05:41 PM INDEX NO. 604661/2017 NYSCEF DOC. NO. 76 RECEIVED NYSCEF: 12/07/2017 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF SUFFOLK -------------------------------------------------------------------X Index #: 604661120…
Suffolk County, NY
Dec 07, 2017
Torts - Other (Declaratory judgment)
21 pages
(FILED: NEW YORK COUNTY CLERK 0371772015 11:15 AM INDEX NO. 158975/2013 NYSCEF DOC. NO. 89 RECEIVED NYSCEF: 03/17/2015 LSK&D #: 212-3008 / 4852-2890-5762 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF NEW YORK ——X …
New York County, NY
Mar 17, 2015
Other Special Proceeding
4 pages
INDEX NO. 158975/2013 NYSCEF DOC. NO. 85 RECEIVED NYSCEF: 02/24/2015 SUPREME COURT OF THE STATE OF NEW YORK NEW YORK COUNTY PRESEN HON. ANIL C. SEVGH SUPREME COURT JUSTICE …
New York County, NY
Feb 24, 2015
Other Special Proceeding
17 pages
INDEX NO. 158975/2013 NYSCEF DOC. NO. 86 RECEIVED NYSCEF: 02/24/2015 SUPREME COURT OF THE STATE OF NEW YORK NEW YORK COUNTY PRESEN HON. ANIL C. SEVGH SUPREME COURT JUSTICE …
New York County, NY
Feb 24, 2015
Other Special Proceeding
252 pages
INDEX NO. 158334/2013 (FILED: NEW YORK COUNTY CLERK 06/02/2014) NYSCEF DOC. NO. 27 RECEIVED NYSCEF: 06/02/2014 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF NEW YORK. -X AVALONBAY COMMUNITIES, INC., …
17 pages
INDEX NO. 21708/2011E (FILED: BRONX COUNTY CLERK 0270472013) NYSCEF DOC. NOJ| 41 RECEIVED NYSCEF: 02/04/2013 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF BRONX WENDY MATHIS, Plaintiff, Index No.: 217…
32 pages
SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF NEW YORK CARDINAL SALES, INC. AND AMERICAN EMPIRE SURPLUS LINES INSURANCE COMPANY, INDEX NO. 113086/08 Plaintiff ~ against - ELECTRONICALLY FILED NORTHFIELD INSURANCE COMPANY, W.M. SANFARDINO ELECTRIC, LTD. and ROBERT SANTIAGO, Defendants. PLAINTIFFS’ REPLY MEMORANDUM OF LAW IN FURTHER SUPPORT OF THEIR MOTION FOR SUMMARY JUDGMENT AND IN OPPOSITION TO DEFENDANT NORTHFIELD INSURANCE COMPANY’S CROSS-MOTION FOR SUMMARY JUDGMENT LANDMAN CO…
4 pages
FILED: ERIE COUNTY CLERK 07/01/2021 06:16 PM INDEX NO. 800499/2021 NYSCEF DOC. NO. 87 RECEIVED NYSCEF: 07/01/2021 EXHIBIT 0 FILED: ERIE COUNTY CLERK 07/01/2021 06:16 PM …
(No Case Name Available)
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