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Would you go to this psychologist?
No-Fault

Would you go to this psychologist?

By Jason Tenenbaum 8 min read

Key Takeaway

Burns v Kaplan case analysis: psychotherapist sues patient for missed appointment fee, patient claims medical emergency defense in small claims court dispute.

This article is part of our ongoing no-fault coverage, with 271 published articles analyzing no-fault 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.

Introduction: Medical Emergency Defenses and No-Show Policies

The enforcement of no-show policies in healthcare settings presents a complex intersection between contract law, medical ethics, and practical business considerations. Healthcare providers routinely require patients to provide advance notice of cancellations, with financial penalties imposed for missed appointments without proper notification. These policies serve legitimate purposes: they allow providers to fill vacant appointment slots, minimize lost revenue from unused time, and maintain efficient scheduling practices that benefit all patients.

However, the rigid enforcement of no-show policies can collide with genuine medical emergencies that prevent patients from providing advance notice. When a patient experiences an acute health crisis—such as a severe asthma attack, cardiac event, or other medical emergency—the obligation to notify a healthcare provider of a missed appointment may become physically impossible to fulfill. Courts must then balance the healthcare provider’s contractual rights against equitable considerations arising from the patient’s medical circumstances.

The evidentiary challenges in litigating no-show disputes often center on the credibility of the patient’s claimed emergency and the availability of documentation to corroborate the medical crisis. In small claims court, where formal rules of evidence are relaxed, judges possess broad discretion to admit medical records, witness testimony, and other evidence that might not be admissible in higher courts. This procedural flexibility can significantly affect outcomes in cases where patients assert medical emergency defenses to breach of contract claims. The Burns v. Kaplan case examined below illustrates how courts approach these evidentiary questions and the deference given to trial court credibility determinations.

Case Background: Burns v. Kaplan

Burns v Kaplan, 2012 NY Slip Op 50403(U)(App. Term 2d Dept. 2012)

Dr. Michael Burns, a psychotherapist, brought a small claims action against his former patient, Ms. Kaplan, seeking to recover payment for an unpaid psychotherapy session plus a late charge. The claim arose after Ms. Kaplan missed a scheduled appointment without providing advance notice as required under the parties’ “Psychotherapy Treatment Agreement.” This agreement, executed at the commencement of treatment, specified that patients must give advance notification of cancellations or face financial consequences for the missed appointment time.

Ms. Kaplan defended the action by asserting that she was physically unable to provide advance notice due to a medical emergency—specifically, a severe asthma attack that prevented her from contacting Dr. Burns before the appointment. At a nonjury trial, Ms. Kaplan presented testimony from a witness who corroborated her medical emergency defense, along with medical documentation relating to her asthma condition. The District Court, after evaluating the credibility of the witnesses and considering the medical evidence, found in favor of Ms. Kaplan and dismissed the action.

Dr. Burns appealed, challenging both the admissibility of certain medical documents and the District Court’s credibility determinations. The Appellate Term was called upon to review the trial court’s findings and determine whether the medical emergency defense had been properly established under the relaxed evidentiary standards applicable in small claims proceedings.

Jason Tenenbaum’s Analysis

Plaintiff, a psychotherapist, brought this small claims action against defendant, his former patient, to recover for an unpaid psychotherapy session plus a late charge after defendant missed an appointment without giving him advance notice in accordance with the terms of the parties’ “Psychotherapy Treatment Agreement.” Defendant claimed that she was unable to give plaintiff advance notice due to a medical emergency. After a nonjury trial, the District Court found in favor of defendant and a judgment was entered dismissing the action.

...The District Court’s conclusion that defendant was unable to make her appointment because of an asthma attack turned on its determination regarding the credibility of the witnesses (see Williams, 269 AD2d 125). The District Court was aware of the relationship between the defense witness and defendant, and could take this relationship into account in assessing his testimony. With respect to plaintiff’s contention that certain medical documents pertaining to defendant were not admissible, we note that the small claims court is not strictly bound by the rules of evidence (UDCA 1804). As the record supports the District Court’s conclusion, we find no basis to disturb the judgment.

– Rumor has it that Dr. Howard Rombom, Psy.D. has a similar attendance policy as Dr. Michael Burns, Psy.D…

The Burns v. Kaplan decision reinforces fundamental principles governing appellate review of trial court findings. When a trial court’s determination rests on credibility assessments of witness testimony, appellate courts afford substantial deference to the trial judge who observed the witnesses’ demeanor and had the opportunity to evaluate their truthfulness firsthand. This principle applies with particular force in small claims proceedings, where the informality of the process and relaxed evidentiary standards are designed to facilitate access to justice for litigants who may not be represented by counsel.

The decision’s treatment of the medical documentation issue highlights an important procedural distinction between small claims court and other judicial forums. Uniform District Court Act Section 1804 explicitly provides that small claims courts are not strictly bound by formal rules of evidence. This statutory framework allows judges to admit documents and testimony that might be excluded as hearsay or otherwise inadmissible in Supreme Court or other courts of general jurisdiction. The flexibility serves important access-to-justice goals, enabling litigants to present relevant evidence without navigating complex evidentiary rules.

The case also illustrates the practical reality that relationships between witnesses and parties do not automatically disqualify testimony or render it incredible. While the District Court was aware that the defense witness had a relationship with Ms. Kaplan, this fact went to the weight of the testimony rather than its admissibility. Trial courts routinely evaluate testimony from interested witnesses and assess their credibility based on all the circumstances, including their relationship to the parties, consistency of their testimony, and corroboration from other evidence.

Practical Implications: No-Show Policies and Medical Emergencies

For healthcare providers, the Burns decision underscores the importance of carefully drafting no-show policies that account for genuine medical emergencies. While providers have legitimate interests in enforcing cancellation policies, attempting to recover fees from patients who experience documented medical crises may prove both unsuccessful and potentially damaging to the provider’s reputation. Providers should consider incorporating explicit medical emergency exceptions into their treatment agreements, with clear procedures for patients to document emergencies after the fact.

The decision also highlights litigation risks associated with pursuing small claims actions for relatively modest sums. The time and expense of prosecuting an appeal to recover a single session fee, plus the negative publicity associated with the “would you go to this psychologist” question posed in the title of this post, may far exceed any monetary recovery. Providers should carefully weigh the costs and benefits of litigation before pursuing legal action for missed appointments, particularly when patients proffer medical emergency defenses.

For patients facing claims for missed appointments, Burns demonstrates the viability of medical emergency defenses when supported by credible testimony and documentation. Patients should gather contemporaneous medical records, witness statements, and other evidence documenting the nature and timing of the medical crisis. In small claims court, the relaxed evidentiary standards enable patients to present this evidence without strict compliance with business record foundation requirements or other technical rules that might pose obstacles in other courts.


Legal Update (February 2026): Since this 2012 post, New York’s no-fault regulations have undergone significant amendments, including updates to fee schedules, provider application requirements, and reimbursement procedures for psychological services. Practitioners should verify current provisions in 11 NYCRR 65 and recent Department of Financial Services guidance, as procedural requirements for no-fault psychological treatment may have changed.

Legal Context

Why This Matters for Your Case

New York's no-fault insurance system, established under Insurance Law Article 51, is one of the most complex insurance frameworks in the country. Every motorist must carry Personal Injury Protection coverage that pays medical expenses and lost wages regardless of fault, up to $50,000 per person.

But insurers routinely deny valid claims using peer reviews, EUO scheduling tactics, fee schedule reductions, and coverage defenses. The Law Office of Jason Tenenbaum has handled over 100,000 no-fault cases since 2002 — from initial claim submissions through arbitration before the American Arbitration Association, trials in Civil Court and Supreme Court, and appeals to the Appellate Term and Appellate Division. Jason Tenenbaum is one of the few attorneys in the state who both writes his own appellate briefs and tries his own cases.

His 2,353+ published legal articles on no-fault practice are cited by attorneys throughout New York. Whether you are dealing with a medical necessity denial, an EUO no-show defense, a fee schedule dispute, or a coverage question, this article provides the kind of detailed case-law analysis that helps practitioners and claimants understand exactly where the law stands.

About This Topic

New York No-Fault Insurance Law

New York's no-fault insurance system requires every driver to carry Personal Injury Protection (PIP) coverage that pays medical expenses and lost wages regardless of who caused the accident. But insurers routinely deny, delay, and underpay valid claims — using peer reviews, IME no-shows, and fee schedule defenses to avoid paying providers and injured claimants. Attorney Jason Tenenbaum has litigated thousands of no-fault arbitrations and court cases since 2002.

271 published articles in No-Fault

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Common Questions

Frequently Asked Questions

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

New York's no-fault insurance system, codified in Insurance Law Article 51, requires all drivers to carry Personal Injury Protection (PIP) coverage. This pays for medical expenses, lost wages (up to $2,000/month), and other basic economic loss regardless of who caused the accident, up to $50,000 per person. However, to sue for pain and suffering, you must meet the 'serious injury' threshold under Insurance Law §5102(d).

How do I fight a no-fault insurance claim denial?

When a no-fault claim is denied, you can challenge it through mandatory arbitration under the American Arbitration Association's no-fault rules, or by filing a lawsuit in court. Common defenses to denials include challenging the timeliness of the denial, the adequacy of the peer review report, or the insurer's compliance with regulatory requirements. An experienced no-fault attorney can evaluate which strategy gives you the best chance of overturning the denial.

What is the deadline to file a no-fault claim in New York?

Under 11 NYCRR §65-1.1, you must submit a no-fault application (NF-2 form) within 30 days of the accident. Medical providers must submit claims within 45 days of treatment. Missing these deadlines can result in claim denial, though there are limited exceptions for late notice if the claimant can demonstrate a reasonable justification.

What no-fault benefits am I entitled to after a car accident in New York?

Under Insurance Law §5102(b), no-fault PIP covers necessary medical expenses, 80% of lost earnings up to $2,000/month, up to $25/day for other reasonable expenses, and a $2,000 death benefit. These benefits are available regardless of fault, up to the $50,000 policy limit. Claims are paid by your own insurer — not the at-fault driver's.

Can I choose my own doctor for no-fault treatment in New York?

Yes. Under New York's no-fault regulations, you have the right to choose your own physician, chiropractor, physical therapist, or other licensed healthcare provider. The insurer cannot dictate which providers you see. However, the insurer can request an IME with their chosen doctor and may challenge the medical necessity of your treatment through peer review.

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Attorney Jason Tenenbaum

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.

24+ years in practice 1,000+ appeals written 100K+ no-fault cases $100M+ recovered

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 no-fault 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.

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

Legal Resources

Understanding New York No-Fault Law

New York has a unique legal landscape that affects how no-fault cases are litigated and resolved. The state's court system includes the Civil Court (for claims up to $25,000), the Supreme Court (the primary trial court for unlimited jurisdiction), the Appellate Term (which hears appeals from lower courts), the Appellate Division (divided into four Departments, with the Second Department covering Long Island, Brooklyn, Queens, Staten Island, and several upstate counties), and the Court of Appeals (the state's highest court). Each court has its own procedural requirements, local rules, and case-assignment practices that can significantly impact the outcome of your case.

For no-fault matters on Long Island, cases are typically filed in Nassau County Supreme Court (at the courthouse in Mineola) or Suffolk County Supreme Court (in Riverhead). No-fault arbitrations are heard through the American Arbitration Association, which assigns arbitrators throughout the metropolitan area. Workers' compensation claims go to the Workers' Compensation Board, with hearings at district offices across the state. Understanding which forum is appropriate for your case — and the specific procedural rules that apply — is essential for a successful outcome.

The procedural landscape in New York also includes important timing requirements that can affect your case. Most civil actions are subject to statutes of limitations ranging from one year (for intentional torts and claims against municipalities) to six years (for contract actions). Personal injury cases generally have a three-year deadline under CPLR 214(5), while medical malpractice claims must be filed within two and a half years under CPLR 214-a. No-fault insurance claims have their own regulatory deadlines, including 30-day filing requirements for applications and 45-day deadlines for provider claims. Understanding and complying with these deadlines is critical — missing a filing deadline can permanently bar your claim, regardless of how strong your case may be on the merits.

Attorney Jason Tenenbaum regularly practices in all of these venues. His office at 326 Walt Whitman Road, Suite C, Huntington Station, NY 11746, is centrally located on Long Island, providing convenient access to courts and offices throughout Nassau County, Suffolk County, and New York City. Whether you need representation in a no-fault arbitration, a personal injury trial, an employment discrimination hearing, or an appeal to the Appellate Division, the Law Office of Jason Tenenbaum, P.C. brings $24+ years of real courtroom experience to your case. If you have questions about the legal issues discussed in this article, call (516) 750-0595 for a free, no-obligation consultation.

New York's substantive law also presents distinct challenges. In motor vehicle cases, the no-fault system under Insurance Law Article 51 provides first-party benefits regardless of fault, but limits the right to sue for non-economic damages unless the plaintiff establishes a "serious injury" under one of nine statutory categories. This threshold — codified at Insurance Law Section 5102(d) — requires medical evidence showing more than a minor or subjective injury, and courts have developed detailed standards for each category. Fractures must be documented through imaging studies. Claims of permanent consequential limitation or significant limitation of use require quantified range-of-motion testing with comparison to norms. The 90/180-day category demands proof that the plaintiff was unable to perform substantially all of their usual daily activities for at least 90 of the 180 days following the accident.

In employment discrimination cases, the legal standards vary depending on whether the claim arises under state or local law. The New York State Human Rights Law employs a burden-shifting framework: the plaintiff must first establish a prima facie case by showing membership in a protected class, qualification for the position, an adverse employment action, and circumstances giving rise to an inference of discrimination. The burden then shifts to the employer to articulate a legitimate, non-discriminatory reason for its decision. If the employer meets this burden, the plaintiff must demonstrate that the stated reason is pretextual. The New York City Human Rights Law, by contrast, applies a broader standard, asking whether the plaintiff was treated less well than other employees because of a protected characteristic.

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