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Chubb defense substantiated and unrebutted on this record
Causation

Chubb defense substantiated and unrebutted on this record

By Jason Tenenbaum 2 min read

Key Takeaway

Shahid Mian v Interboro: why the operating surgeon's unsupported causal opinion did not defeat summary judgment on assigned no-fault benefits.

This article is part of our ongoing causation coverage, with 178 published articles analyzing causation 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.

An operating surgeon still had to explain his causal opinion in Shahid Mian v Interboro. His single-sentence conclusion left the insurer’s contrary medical findings unanswered.

Last reviewed: September 2026.

Historical note: This 2013 assigned-benefits decision turned on the unsupported causal opinion; CPLR 3212(b) supplies the summary-judgment framework, while the first-party-benefits definition in Insurance Law 5102(b) is distinct from the tort serious-injury threshold.

What the provider’s affidavit lacked

In Shahid Mian, M.D., P.C. v Interboro Insurance Co., 39 Misc 3d 135(A) (App Term, 1st Dept 2013), the insurer established that the treated condition was not caused by the accident. The provider answered with a single-sentence causal conclusion. On April 16, 2013, the Appellate Term reversed the denial of the insurer’s motion and granted summary judgment dismissing the complaint.

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The patient had assigned the claim for first-party benefits to the provider, not the other way around. This was a medical-bill causation dispute. It was not a finding that treatment was unnecessary, and it did not require the provider to satisfy the tort serious-injury threshold.

Compare the result with Stephen Fealy, linked below. There the surgeon’s original opposition, read with the medical and hospital reports, raised a factual issue. Neither decision supplies a rule that an operating surgeon always wins or always loses. The useful comparison is what the opinion explained and which records supported it.

Insurance Law 5102(b) defines first-party benefits separately from the serious-injury definition in subdivision (d). Keep that distinction when using tort causation cases to analyze a provider’s claim.

Jason’s original comment

Jason’s original 2013 litigation recollection follows. His comparison with Fealy and the section 5102(d) discussion records his view at the time; the court’s published holding is summarized above.

This was my case. The defense was based upon a radiological review and a peer review, based upon the radiological review and plaintiff’s medical records. For those that remember Stephen Fealy v. State Farm, the affidavit, in rebuttal in this case, was better than the affidavit in rebuttal case. Note my comment in Amherst Medical Supply, where the court evaluated these cases under a 5102(d) prism.

Connect to the Encyclopedia

See the pre-existing injury and causation encyclopedia hub for the topic’s case directory and statutory update.

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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.

About This Topic

Causation in New York Personal Injury & No-Fault Law

Causation — proving that the defendant's negligence or the accident caused the plaintiff's injuries — is an essential element of every personal injury and no-fault claim. New York courts distinguish between proximate cause, intervening causes, and pre-existing conditions that may have been aggravated by an accident. The legal standards for establishing causation through medical evidence and the defenses available to challenge causal connection are analyzed in depth across these articles.

178 published articles in Causation

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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 causation 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.

Jason Tenenbaum, Personal Injury Attorney serving Long Island, Nassau County and Suffolk County

Reviewed & Verified By

Jason Tenenbaum, Esq.

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 (3)

Archived from the original blog discussion.

CA
Captain America
Apparently Doctor Vladimir Stalin Kruschev got a little sloppy in his Affidavit.
S
Sting
Captain America This is a nation of immigrants. The Russians love their children too! Why do you disparage our Russian comrades? The affidavit problem was a problem with the English. Jason, you should be ashamed, taking advantage like that!!! I will never talk to you again …. until tomorrow.
CA
Captain America
Sting. If you recall I was in a frozen like cryogenic state since the cold war and only recently reawakened. So my point of view is still skewed. I have yet to realize the accomplishments that recent former Soviet Republic emigrees have made to medicine in the United States. “How can I save my little boy from Openheimer’s deadly toy.” Of course Openheimer really saved our bacon by developing it first along with Fermi. And when he spoke out against using it he was promptly given the good ole American treatment. He was promptly labeled a Communist, his career destroyed and all of a sudden conservatives, especially people in the South, realized he was a Jew and recalled that they were anti-semetic.

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