Westchester Med. Ctr. v Country Wide Ins. Co., 2011 NY Slip Op 03838 (2d Dept. 2011)
“The defendant was not obligated to pay or deny the claim until all demanded verification was provided by the plaintiff (see St. Barnabas Hosp. v American Tr. Ins. Co., 57 AD3d at 518).”
I do not see anything here about reasonable or necessary, although there is Appellate Term authority that raises this issue.