Key Takeaway
Court reverses default judgment denial in no-fault insurance case, highlighting CPLR 3215(f) requirements and business records foundation issues in New York.
This article is part of our ongoing 3215(f) issues coverage, with 90 published articles analyzing 3215(f) issues 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.
Balance Chiropractic, P.C. v Property & Cas. Ins. Co. of Hartford, 2010 NY Slip Op 50889(U)(App. Term 2d Dept. 2010)
“The motion was unopposed. The Civil Court denied the motion, and this appeal by plaintiff ensued.
In support of its motion, plaintiff proffered neither an affidavit nor a verified complaint by a party with personal knowledge setting forth the factual basis for the claim, as is required by CPLR 3215 (f). Rather, plaintiff submitted a complaint verified by counsel, who did not demonstrate personal knowledge of the facts, and an affidavit of the president of a third-party billing company, which affidavit did not establish that the documents annexed to plaintiff’s motion were admissible pursuant to CPLR 4518 (see Art of Healing Medicine, P.C. v Travelers [*2]Home & Mar. Ins. Co., 55 AD3d 644 ; Andrew Carothers, M.D., P.C. v Geico Indem. Co., 24 Misc 3d 19 ; Dan Med., P.C. v New York Cent. Mut. Fire Ins. Co., 14 Misc 3d 44 ).”
It is a motion to enter a default. The non-answering party admits all traversable allegations. A bill was sent, it is overdue. Assuming that a business record foundation is necessary to establish a prima facie case, the failure to object to this “defect” renders it waived. A default renders the defect waived.
Yet, even if a business record foundation is non-waivable, this “defect” is conceded through the failure to timely answer, appear or otherwise move.
So the court is way off on this one, similar to the decision in New South Insurance, where we (the defense bar) were told that it is easier for us to obtain a jury verdict on a contested staged accident case, then it is to obtain a default judgment in the same case.
Here is the real question, and I asked this one after New South Insurance was decided: why the heck was this appealed? Actually, this question is better: how come Plaintiff did not enter a clerk’s judgment, and sought to enter a default on notice?
Related Articles
- Default judgment conditionally granted
- Failure to comply with 3215(f) is not jurisdictional
- Defaults again
- Understanding Foundation Requirements in Medical Malpractice Expert Testimony
- New York No-Fault Insurance Law
Legal Update (February 2026): Since this 2010 decision, there have been numerous amendments to CPLR provisions governing default judgments and business records admissibility in no-fault cases, including updates to foundational requirements under CPLR 4518 and procedural modifications to CPLR 3215(f). Practitioners should verify current provisions regarding verification requirements and business records foundations, as court interpretations and statutory requirements may have evolved significantly over the past fifteen years.
Legal Context
Why This Matters for Your Case
New York law is among the most complex and nuanced in the country, with distinct procedural rules, substantive doctrines, and court systems that differ significantly from other jurisdictions. The Civil Practice Law and Rules (CPLR) governs every stage of civil litigation, from service of process through trial and appeal. The Appellate Division, Appellate Term, and Court of Appeals create a rich and ever-evolving body of case law that practitioners must follow.
Attorney Jason Tenenbaum has practiced across these areas for over 24 years, writing more than 1,000 appellate briefs and publishing over 2,353 legal articles that attorneys and clients rely on for guidance. The analysis in this article reflects real courtroom experience — from motion practice in Civil Court and Supreme Court to oral arguments before the Appellate Division — and a deep understanding of how New York courts actually apply the law in practice.
Keep Reading
More 3215(f) issues Analysis
Civil Court shenanigans
Civil Court procedural delays and discovery disputes in no-fault insurance provider case, including stay orders and preclusion motions in New York courts.
Apr 24, 2021Interest of justice vacatur
New York court grants vacatur of default judgment in no-fault insurance case where claim was barred by res judicata, demonstrating interests of justice standard.
Mar 17, 2021The DJ as to the provider that never was
New York appellate court ruling on amendment to pleadings and res judicata defense in no-fault insurance case, analyzing default judgment procedures.
Jul 26, 2017Default judgment vacated
Court vacates default judgment due to insufficient proof under CPLR 3215, requiring personal knowledge affidavits and verified complaints for proper establishment.
May 28, 2015District Suffolk reversed – Oral applications to vacate a default are not appropriate
Appeals court reverses district court decision allowing oral default applications, emphasizing proper motion procedures are required under CPLR 2214.
Apr 25, 2012Understanding Foundation Requirements in Medical Malpractice Expert Testimony
New York medical malpractice expert testimony foundation requirements. Learn critical standards for expert witness preparation in Nassau and Suffolk County cases.
Dec 28, 2008Common Questions
Frequently Asked Questions
What is a default in New York civil litigation?
A default occurs when a party fails to respond to a legal action within the required time frame — for example, failing to answer a complaint within 20 or 30 days of service under CPLR 320. When a defendant defaults, the plaintiff can seek a default judgment under CPLR 3215. However, a defaulting party can move to vacate the default under CPLR 5015(a) by showing a reasonable excuse for the delay and a meritorious defense to the action.
What constitutes a 'reasonable excuse' to vacate a default?
Courts evaluate reasonable excuse on a case-by-case basis. Accepted excuses can include law office failure (under certain circumstances), illness, lack of actual notice of the proceeding, or excusable neglect. However, mere neglect or carelessness is generally insufficient. The movant must also demonstrate a meritorious defense — meaning they have a viable defense to the underlying claim that warrants a determination on the merits.
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About the Author
Jason Tenenbaum, Esq.
Jason Tenenbaum is the founding attorney of the Law Office of Jason Tenenbaum, P.C., headquartered at 326 Walt Whitman Road, Suite C, Huntington Station, New York 11746. With over 24 years of experience since founding the firm in 2002, Jason has written more than 1,000 appeals, handled over 100,000 no-fault insurance cases, and recovered over $100 million for clients across Long Island, Nassau County, Suffolk County, Queens, Brooklyn, Manhattan, the Bronx, and Staten Island. He is one of the few attorneys in the state who both writes his own appellate briefs and tries his own cases.
Jason is admitted to practice in New York, New Jersey, Florida, Texas, Georgia, and Michigan state courts, as well as multiple federal courts. His 2,353+ published legal articles analyzing New York case law, procedural developments, and litigation strategy make him one of the most prolific legal commentators in the state. He earned his Juris Doctor from Syracuse University College of Law.
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.
If you need legal help with a 3215(f) issues matter, contact our office at (516) 750-0595 for a free consultation. We serve clients throughout Long Island (Huntington, Babylon, Islip, Brookhaven, Smithtown, Riverhead, Southampton, East Hampton), Nassau County (Hempstead, Garden City, Mineola, Great Neck, Manhasset, Freeport, Long Beach, Rockville Centre, Valley Stream, Westbury, Hicksville, Massapequa), Suffolk County (Hauppauge, Deer Park, Bay Shore, Central Islip, Patchogue, Brentwood), Queens, Brooklyn, Manhattan, the Bronx, Staten Island, and Westchester County. Prior results do not guarantee a similar outcome.