Key Takeaway
Appellate Term Second Department cases on insurance default judgments, law office failure excuses, and CPLR 2004 extensions in New York no-fault litigation.
This article is part of our ongoing claims office failure coverage, with 94 published articles analyzing claims office failure 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.
Case #1:
Viviane Etienne Med. Care, P.C. v Alea N. Am. Ins. Co., 2010 NY Slip Op 52011(U)(App. Term 2d Dept. 2010)
“The administrator finally obtained the claim file on or about August 1, 2007 and only then assigned counsel, who served plaintiff with an answer on August 15, 2007. Based on the above facts, defendant failed to proffer a reasonable excuse for its default. A party in jeopardy of defaulting for nonappearance in an action may request an extension of time to file its answer upon good cause shown (see CPLR 2004). Failure to move pursuant to CPLR 2004 for an extension of time to file an answer may eviscerate the grounds for a reasonable excuse (cf. Builders Mechanic Co. v Claiborne, 277 AD2d 193 ; Weiss v Kahan, 209 AD2d 611, 612 ). Here, defendant was served with the summons and complaint on January 15, 2007 and its third-party claims administrator received a copy of the summons and complaint on January 26, 2007. Thereafter, both defendant and its third-party [*2]claims administrator knowingly failed to take any action with respect to this lawsuit for approximately eight months. In the interim, plaintiff applied for a default judgment in March 2007, and a default judgment was entered on September 6, 2007″
The Appellate Division, Second Department a few years ago held in a 3-1 opinion that the concept of law office failure should be extended to insurance company delay. I guess this panel of the Appellate Term disagrees with that assertion. What I find interesting is that the legislature created CPLR 2005 to overturn Barasch v. Micucci, 49 NY2d 594 (1980).
Astoria Wellness Med., P.C. v State Farm Mut. Auto Ins. Co., 2010 NY Slip Op 52008(U)(App. Term 2d Dept. 2010)
“Defendant’s excuse of law office failure was not reasonable under the circumstances presented. Defendant failed to adequately explain why it did not re-file its opposition papers in the correct Civil Court part after the court clerk had notified defendant of its filing error and had provided it with instructions on [*2]how to properly re-file. Accordingly, the order of the Civil Court is affirmed.”
The dissent explains what happened in further detail:
“Contrary to the majority, I find that defendant has sufficiently established an excusable default and that there was no prejudice to plaintiff in any sense of the word. Defendant had agreed with plaintiff and the Civil Court to both serve and file a copy of its opposition papers by a certain date.
Although defendant had agreed to submit its opposition by a certain date, its opposition papers were not served and filed until after the agreed-upon date, which was nevertheless still prior to the return date of the motion. There was more than ample time for plaintiff to reply to those opposing papers prior to the return date if plaintiff so chose. Plaintiff did not.
I find that defendant’s failure to submit the opposition papers by the agreed-upon date was de minimis and without any prejudice to plaintiff. It also appears that defendant mistakenly filed the court’s copy in the same calendar part as plaintiff’s motion. I do not find this ministerial error to be grievous fault, and it should not be treated so severely.”
What is interesting about this case – besides it being mine – is that every court except Brooklyn requires the cross motion to follow the main motion. I filed a cross-motion seeking discovery based relief for the reasons seen in Justice Golia’s opinion. This was filed in Part 41 because the main motion was filed in that part.
The clerk apparently rejected the motion based on the Brooklyn rule. The appearing attorney brought the cross-motion/opposition into court and sought to have it treated as opposition to Plaintiff’s motion. The court for some reason rejected it and granted Plaintiff’s motion. The rest, as they say, is history.
It is hard to believe that this was not excusable law office failure, but better minds believe otherwise.
Related Articles
- Why Law Office Failure Excuses Must Be Detailed to Open Default Judgments in NY
- Claims Office Failures: When Administrative Mistakes Are Excusable Under NY Law
- If you detail a procedure, you must make sure you demonstrate that it was followed
- Default vacated on CPLR 317 grounds
- New York No-Fault Insurance Law
Legal Update (February 2026): The CPLR provisions governing default judgments and excusable delays cited in this 2010 post have been subject to subsequent amendments and court interpretations over the past 15+ years. Additionally, insurance industry practices regarding claims administration and third-party administrator protocols may have evolved significantly since this decision. Practitioners should verify current CPLR 2004 and 2005 requirements and review recent Appellate Term decisions regarding acceptable excuses for insurance company defaults.
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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Jun 27, 2016Default not granted and a questionable appeal
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Sep 24, 2014Affidavits of Non-Receipt and Default Judgment Procedures in NY Personal Injury Cases
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Jan 9, 2010This one gave me pause
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Sep 15, 2018Common 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.
What is the "law office failure" defense in New York?
Law office failure is a recognized basis for excusable default under CPLR 5015(a)(1). It applies when an attorney's office experiences systemic failures — such as misplaced files, missed deadlines, or administrative breakdowns — that cause a default. Courts may vacate the default if the party shows a reasonable excuse and a meritorious defense.
When will courts accept law office failure as an excuse?
Courts evaluate law office failure on a case-by-case basis. Isolated mistakes, clerical errors, or staffing disruptions may be accepted. However, repeated negligence, willful disregard of deadlines, or patterns of defaults will not be excused. The moving party must also demonstrate a meritorious defense to the underlying claim.
How do I move to vacate a default based on law office failure?
File a motion under CPLR 5015(a)(1) demonstrating (1) a reasonable excuse for the default (the law office failure) and (2) a meritorious defense to the claim. Include a detailed affidavit explaining the office failure and an attorney affirmation outlining the defense. Move promptly — delay weakens your argument for relief.
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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 claims office failure 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.