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45-day rule involving MVAIC and CPLR 3212(f)
No-Fault

45-day rule involving MVAIC and CPLR 3212(f)

By Jason Tenenbaum 8 min read

Key Takeaway

Learn about the 45-day rule for MVAIC claims and CPLR 3212(f) discovery requirements. Key court case analysis for New York no-fault insurance practitioners.

AAA Chiropractic, P.C. v MVAIC, 2010 NY Slip Op 51896(U)(App. Term 2d Dept. 2010)

“The Civil Court granted defendant’s motion for summary judgment, finding that plaintiff had failed to show a reasonable justification for the late submission of its claim forms, and denied plaintiff’s cross motion. The instant appeal by plaintiff ensued.”

“It is undisputed that plaintiff was required to submit its claim forms to MVAIC within 45 days after the services at issue were rendered and that plaintiff did not do so….  MVAIC’s denial of plaintiff’s claims, based upon their untimely submission, also informed plaintiff that MVAIC could excuse the delay if plaintiff provided “written justification” for the delay….  In opposition to MVAIC’s motion for summary judgment, plaintiff did not establish that it had provided MVAIC with a written justification for its untimely submission of the claim forms. Consequently, defendant established its entitlement to judgment as a matter of law….”

“While plaintiff contends that the Civil Court erred in granting defendant’s motion for summary judgment and denying its cross motion to compel defendant to respond to plaintiff’s discovery demands, plaintiff’s bald conclusory assertion that defendant should be compelled to respond to plaintiff’s discovery demands because it could not adequately oppose defendant’s motion for summary judgment without said discovery responses (see CPLR 3212 ) was insufficient to demonstrate that discovery was needed in order to show the existence of a triable issue of fact”

MVAIC obtained summary dismissal based upon violation of the 45-day submission rule.  The Appellate Term denied the portion of the opposition seeking to deny the motion based upon outstanding discovery.  CPLR 3212(f).  Would the Appellate Term, First Department held the same way?

See, Socrates Med. Health, P.C. v MVAIC , 2010 NY Slip Op 51780(U)(App. Term 1st Dept. 2010)(“Civil Court properly denied defendant’s motion for summary judgment, since material outstanding disclosure remains extant. Summary judgment may be renewed upon the completion of disclosure.”)


Legal Update (February 2026): Since this 2010 decision, MVAIC claim submission procedures and the 45-day rule requirements may have been modified through regulatory amendments or updated MVAIC guidelines. Additionally, CPLR 3212(f) discovery provisions and summary judgment procedures have been subject to various amendments over the intervening years. Practitioners should verify current MVAIC submission deadlines and justification requirements, as well as current CPLR 3212(f) standards for discovery-related summary judgment deferrals.

Common Questions

Frequently Asked Questions

What is New York's no-fault insurance system?

New York's no-fault insurance system requires all drivers to carry Personal Injury Protection (PIP) coverage. This pays for medical expenses and lost wages regardless of who caused the accident, up to policy limits. However, you can only sue for additional damages if you meet the 'serious injury' threshold.

Filed under: No-Fault
Jason Tenenbaum, Personal Injury Attorney serving Long Island, Nassau County and Suffolk County

About the Author

Jason Tenenbaum

Jason Tenenbaum is a personal injury attorney serving Long Island, Nassau & Suffolk Counties, and New York City. Admitted to practice in NY, NJ, FL, TX, GA, MI, and Federal courts, Jason is one of the few attorneys who writes his own appeals and tries his own cases. Since 2002, he has authored over 2,353 articles on no-fault insurance law, personal injury, and employment law — a resource other attorneys rely on to stay current on New York appellate decisions.

Education
Syracuse University College of Law
Experience
24+ Years
Articles
2,353+ Published
Licensed In
7 States + Federal

Discussion

Comments (5)

Archived from the original blog discussion.

S
SunTzu
In Socrates we indeed made a non boilerplate effort to establish need for discovery. AAA is not our case so streak is alive.
J
JT Author
The one thing about no-fault is that if you seek discovery beyond bills, NF-10s and medical reports, you need to present tangible evidence allowing you to obtain same. I think a law journal article could be written on discovery in no-fault matters. Sometimes I actually think that the standard to obtain discovery, as the lower courts apply same, is the standard found in UDCA 1807.
RZ
raymond zuppa
Should we entitle this: “The MANIAC Strikes Back.”
J
JT Author
They tend to win the 45-day rule cases. So there is no great victory in AAA. But, they struck back again today in a First Department case, at least sufficient to raise a triable issue of fact. Of course, I would like to see them marshal the proof to sustain their burden of lack of coverage at trial. That should be entertaining.
RZ
Raymond Zuppa
I went to a Socrates Medical. All they had me do there was debate and come up with philosophy. My neck still hurt. So I went to Plato Medical. They made me drink Hemlock and all my pain went away. So Rogakian

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