Key Takeaway
Analysis of peer doctor hearsay testimony in no-fault insurance cases, examining Civil Court's distinction from Appellate Term precedent in Beal-Medea v GEICO.
This article is part of our ongoing evidence coverage, with 128 published articles analyzing evidence 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.
Beal-Medea Prods., Inc. v GEICO Gen. Ins. Co., 2010 NY Slip Op 50800(U)(Civ. Ct. Kings Co. 2010)
This is the topic that just will not go away. Except for one case that I will discuss later, the Appellate Term has consistently held that a peer doctor may predicate his testimony from an Assignor’s out-of-court medical records. Although never explicitly stated, the courts have held that there is an inference that medical records containing some biographical information about the assignor are reliable. This is why the Appellate Term has rebuked every hearsay challenge that has been presented on a properly developed record.
Yet, each time the Appellate Term holds that the purported hearsay challenges lack merit, another civil court purports to find a “distinction” in order to sustain a hearsay challenge. Most of these distinctions are without a difference, and where the distinction occurs in this case is beyond me; but the Civil court here found that the peer doctor’s testimony should be stricken because it violated Wagman. The Court, without going into detail, continuously cited Progressive Med., Inc. v Allstate Ins. Co., 26 Misc 3d 138(A)(App. Term 2d Dept. 2010), for its justification in striking the testimony of the peer doctor.
In case you forgot, Progressive Med stated the following:
“On the other hand, on the scant record provided to this court, there is no basis to disturb the court’s decision to strike defendant’s witness’s testimony. Plaintiff advanced what was, in effect, a hearsay objection. Defendant failed to demonstrate either that the testimony did not rely on out-of-court documents for the truth of the matters stated therein, or that the documents were being relied upon for their truth but fell within an exception to the rule against hearsay. Consequently, we cannot say that it was an improvident exercise of discretion for the court to strike the testimony.”
Even one of the most respected practitioners from the no-fault plaintiff’s bar, along with the respected no-fault blogger from the same law firm, observed the following about Progressive Med., Inc. v Allstate Ins. Co., in an April 8, 2010 New York Law Journal article entitled APPELLATE COURTS ADDRESS ISSUES OF PROCEDURE AND FOUNDATION 4/8/2010 NYLJ 3, (col. 1): “Practitioners should note, however, that the court took pains to point out the sparse record.”
As I have said numerous times, medical records containing some biographical information about the assignor will raise an inference that the said medical records are reliable. This is never to say -and I have said this before – that a Plaintiff can offer evidence to rebut this inference. Think of res ipsa loquitor. It is is a similar concept here.
But, to jump up and down, yell hearsay and actually obtain a decision like this should and probably will lead to an appeal, whose result is preordained.
Related Articles
- Understanding expert medical testimony when based on unsworn MRI reports
- How civil court decisions in no-fault insurance cases demonstrate flawed legal reasoning
- Article 10 evidentiary issues involving expert witness testimony and hearsay rules
- Civil court judge correctly rejects Wagman-based peer hearsay challenge
- New York No-Fault Insurance Law
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.
About This Topic
Evidentiary Issues in New York Litigation
The rules of evidence determine what information a court or arbitrator may consider in deciding a case. In New York no-fault and personal injury practice, evidentiary issues arise constantly — from the admissibility of business records and medical reports to the foundation requirements for expert testimony and the application of hearsay exceptions. These articles examine how New York courts apply evidentiary rules in insurance and injury litigation, with practical guidance for building admissible evidence at every stage of a case.
128 published articles in Evidence
Keep Reading
More Evidence Analysis
CPLR § 2106 Amendment Eliminates Affidavit Notarization Requirement: What This Means for New York Litigation
NY CPLR 2106 amendment eliminates notarized affidavits and certificates of conformity. Learn how this changes litigation practice. Call 516-750-0595.
Feb 18, 2026When the trial court in a bench trial does not assess credibility
Learn when NY appellate courts can review bench trial credibility findings. Expert legal analysis of appellate standards. Call 516-750-0595 for consultation.
Nov 3, 2019Judicial notice applies to e-court website
New York courts can take judicial notice of information on the official E-Courts website, allowing judges to consider publicly available court records without formal evidence...
Apr 8, 2012The spreadsheet was not in admissible form?
Court case analysis examining admissibility of business records and material misrepresentation in no-fault insurance policy procurement disputes in New York.
Aug 19, 2010An affidavit is not be admissible at trial – You knew this already
Learn why affidavits cannot be used at trial in New York courts. Expert analysis of evidence rules, cross-examination requirements, and litigation strategy for Long Island and NYC...
Nov 8, 2009Unsworn letters not enough
Court ruling shows unsworn, unsigned letters of medical necessity lack probative value in no-fault insurance disputes, emphasizing proper documentation requirements.
Oct 6, 2015Common Questions
Frequently Asked Questions
What types of evidence are important in no-fault and personal injury cases?
Key types of evidence include medical records and bills, police accident reports, diagnostic imaging (MRI, X-ray, CT scans), expert medical opinions, business records from insurance companies and providers, witness statements, photographs of injuries and the accident scene, and employment records for lost wage claims. The rules of evidence under New York CPLR and the Evidence Rules govern what is admissible in court proceedings.
What is the business records exception to hearsay in New York?
Under CPLR 4518(a), a business record is admissible if it was made in the regular course of business, it was the regular course of business to make such a record, and the record was made at or near the time of the event recorded. This exception is crucial in no-fault litigation because insurers' denial letters, claim logs, and peer review reports are often offered as business records. The foundation for the business record must be established through testimony or a certification.
What role does diagnostic imaging play as evidence in injury cases?
Diagnostic imaging — MRIs, CT scans, X-rays, and EMG/NCV studies — provides objective evidence of injuries such as herniated discs, fractures, ligament tears, and nerve damage. Courts and arbitrators give significant weight to imaging evidence because it is less subjective than physical examination findings. In serious injury threshold cases under §5102(d), imaging evidence corroborating clinical findings strengthens the plaintiff's case considerably.
How do New York courts handle surveillance evidence in personal injury cases?
Insurance companies frequently hire investigators to conduct video surveillance of plaintiffs to challenge injury claims. Under CPLR 3101(i), a party must disclose surveillance materials prior to trial, including films, photographs, and videotapes. Surveillance evidence can be powerful for impeachment if it contradicts the plaintiff's testimony about limitations. However, courts may preclude surveillance that was not properly disclosed or that is misleadingly edited.
What is hearsay and why does it matter in New York litigation?
Hearsay is an out-of-court statement offered to prove the truth of the matter asserted, and it is generally inadmissible under New York evidence rules. In no-fault and personal injury cases, hearsay issues frequently arise with medical records, peer review reports, denial letters, and witness statements. Key exceptions include the business records rule (CPLR 4518), party admissions, excited utterances, and statements made for medical diagnosis or treatment. Understanding hearsay rules is essential because improperly admitted or excluded evidence can change the outcome of a case.
Was this article helpful?
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 evidence 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.