Key Takeaway
Court ruling on DWI defense to no-fault benefits requires proof of causation, not just intoxication. Westchester Med. Ctr. v Government Employees case analysis.
This article is part of our ongoing dwi issues coverage, with 4 published articles analyzing dwi 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.
Westchester Med. Ctr. v Government Employees Ins. Co., 2010 NY Slip Op 07331 (2d Dept. 2010)
Establishing a DWI defense to the payment of no-fault benefits is not an easy task. The insurance carrier is often forced to jump through many hurdles just to raise an issue of fact. It also used to be that demonstrating the fact that there was an accident and proof of intoxication was sufficient to warrant a trial on the underlying defense. This does not appear to be the case now.
“Since the defendant failed to submit any evidence whatsoever from which the circumstances of the accident could be ascertained, the nature of the accident is unknown, and, thus, the defendant’s evidence, while presenting a factual question as to whether the plaintiff’s assignor was operating a vehicle in an intoxicated condition, was insufficient by itself to raise a triable issue of fact as to whether the plaintiff’s assignor was injured as a result of operating a motor vehicle while in an intoxicated condition”
In Westchester Medical Center v. State Farm Mut. Auto. Ins. Co. 44 A.D.3d 750 (2d Dept. 2007), the Appellate Division held the following: “the defendant raised a triable issue of fact through its submission of the police accident report (hereinafter the PAR) that Gjelaj was intoxicated at the time of the accident and that such intoxication caused the accident. The PAR was properly considered by the Supreme Court under the business record exception to the hearsay rule to the extent that it was based upon the **3 personal observations of the police officer present at the scene and under a business duty to make it (see CPLR 4518 ; Yeargans v Yeargans, 24 AD2d 280, 282 ). Based upon the police officer’s personal observations and knowledge, Gjelaj’s vehicle left the roadway and struck a tree, and Gjelaj was arrested for driving while intoxicated. Thus, the Supreme Court properly denied the plaintiff’s motion for summary judgment.”
How do you reconcile these two cases?
Related Articles
- DWI Consequences: No-Fault Benefits and Life Sentences in New York
- DWI defense non-upheld: mailing, denials and affidavits gone awry
Legal Update (February 2026): Since this 2010 post, New York’s no-fault insurance regulations have undergone multiple amendments, including updates to fee schedules, procedural requirements for benefit denials, and evidentiary standards. Additionally, case law developments may have further refined the burden of proof requirements for DWI defenses to no-fault benefits, and practitioners should verify current provisions under Insurance Law Article 51 and applicable CPLR standards.
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.
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Nov 27, 2009Common Questions
Frequently Asked Questions
Can a DWI affect my no-fault insurance claim?
A DWI conviction alone does not automatically bar no-fault benefits. However, if the accident was caused by intoxication and involved intentional conduct, the insurer may raise an intoxication defense. The insurer must still follow proper denial procedures under the no-fault regulations.
What happens to insurance coverage after a DWI in New York?
A DWI conviction can result in policy cancellation, non-renewal, or significantly increased premiums. Under VTL §1193, a DWI conviction may also lead to license suspension or revocation, which affects your ability to maintain required insurance coverage.
Can I file a personal injury claim if the other driver was drunk?
Yes. If you were injured by an intoxicated driver, you have a strong personal injury claim. Evidence of DWI can establish negligence per se. In addition to a standard lawsuit, you may have a dram shop claim against the establishment that served the intoxicated driver under General Obligations Law §11-101.
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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 dwi 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.