Why Trust This Analysis
This article is part of our ongoing no-fault coverage, with 271 published articles analyzing no-fault issues across New York State. Attorney Jason Tenenbaum brings 24+ years of hands-on experience to this analysis, drawing from his work on more than 1,000 appeals, over 100,000 no-fault cases, and recovery of over $100 million for clients throughout Nassau County, Suffolk County, Queens, Brooklyn, Manhattan, and the Bronx. For personalized legal advice about how these principles apply to your specific situation, contact our Long Island office at (516) 750-0595 for a free consultation.
The emergency doctrine in New York personal injury law provides protection for drivers who face sudden, unexpected circumstances not of their own making. This legal principle recognizes that when drivers encounter emergencies, they shouldn’t be held to the same standard of care as those operating under normal conditions. However, courts typically apply this doctrine with measured, formal language that rarely reveals judicial personality.
In a refreshing departure from typical appellate court restraint, the Second Department delivered an unusually colorful opinion in Mayard v Wheels, Inc., demonstrating that even stoic appellate judges occasionally let their true thoughts shine through their formal legal analysis. The case involved a complex multi-vehicle collision scenario that tested the boundaries of driver responsibility under emergency circumstances.
For practitioners handling New York No-Fault Insurance Law cases, this decision provides valuable insight into how courts evaluate driver liability when vehicles ricochet unpredictably after initial impact.
Jason Tenenbaum’s Analysis:
Mayard v Wheels, Inc., 2010 NY Slip Op 00653 (2d Dept. 2010)
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“Under these circumstances, where McKenzie was faced with a sudden and unexpected circumstance, not of his own making, under any view of the evidence, the emergency doctrine applied (see Jones v Geoghan, 61 AD3d 638). The Wheels defendants met their burden of establishing that McKenzie was not liable for the collision involving his minivan and the Shishko vehicle (see Marsch v Catanzaro, 40 AD3d 941). A driver is not obligated to anticipate that a vehicle, upon being struck by another vehicle, will then hit a guardrail and subsequently bounce across several lanes of traffic (id. at 942). The plaintiff’s speculation that inattentiveness on the part of McKenzie caused the collision, or that he might have been able to take measures to avoid the contact with the Shishko vehicle, was insufficient to defeat that branch of the Wheels defendants’ cross motion which was for summary judgment.”
You can just imagine what the law clerk who was writing this decision was thinking when (s)he wrote the bold portion above.
Key Takeaway
The emergency doctrine protects drivers from liability when they encounter truly unforeseeable circumstances. Courts will not impose a duty to anticipate bizarre accident sequences like vehicles bouncing off guardrails across multiple traffic lanes. The decision’s unusually direct language suggests even judges find some plaintiff theories unreasonably far-fetched.
Legal Update (February 2026): Since this 2010 analysis of emergency doctrine application, New York courts have continued to refine the standards for when this defense applies, particularly regarding sudden circumstance requirements and the “not of one’s own making” element. Practitioners should verify current case law developments and any regulatory changes affecting emergency doctrine standards in no-fault insurance contexts, as judicial interpretation of these principles has evolved over the past fifteen years.
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Why This Matters for Your Case
New York's no-fault insurance system, established under Insurance Law Article 51, is one of the most complex insurance frameworks in the country. Every motorist must carry Personal Injury Protection coverage that pays medical expenses and lost wages regardless of fault, up to $50,000 per person.
But insurers routinely deny valid claims using peer reviews, EUO scheduling tactics, fee schedule reductions, and coverage defenses. The Law Office of Jason Tenenbaum has handled over 100,000 no-fault cases since 2002 — from initial claim submissions through arbitration before the American Arbitration Association, trials in Civil Court and Supreme Court, and appeals to the Appellate Term and Appellate Division. Jason Tenenbaum is one of the few attorneys in the state who both writes his own appellate briefs and tries his own cases.
His 2,353+ published legal articles on no-fault practice are cited by attorneys throughout New York. Whether you are dealing with a medical necessity denial, an EUO no-show defense, a fee schedule dispute, or a coverage question, this article provides the kind of detailed case-law analysis that helps practitioners and claimants understand exactly where the law stands.
About This Topic
New York No-Fault Insurance Law
New York's no-fault insurance system requires every driver to carry Personal Injury Protection (PIP) coverage that pays medical expenses and lost wages regardless of who caused the accident. But insurers routinely deny, delay, and underpay valid claims — using peer reviews, IME no-shows, and fee schedule defenses to avoid paying providers and injured claimants. Attorney Jason Tenenbaum has litigated thousands of no-fault arbitrations and court cases since 2002.
271 published articles in No-Fault
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Disclaimer: This article is published by the Law Office of Jason Tenenbaum, P.C. for informational and educational purposes only. It does not constitute legal advice, and no attorney-client relationship is formed by reading this content. The legal principles discussed may not apply to your specific situation, and the law may have changed since this article was last updated.
New York law varies by jurisdiction — court decisions in one Appellate Division department may not be followed in another, and local court rules in Nassau County Supreme Court differ from those in Suffolk County Supreme Court, Kings County Civil Court, or Queens County Supreme Court. The Appellate Division, Second Department (which covers Long Island, Brooklyn, Queens, and Staten Island) and the Appellate Term (which hears appeals from lower courts) each have distinct procedural requirements and precedents that affect litigation strategy.
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