Key Takeaway
Second Department ruling on timely NF-10 denial forms with errors - when nonprejudicial mistakes don't invalidate proper no-fault insurance denials.
This article is part of our ongoing preservation of defenses on nf-10 coverage, with 22 published articles analyzing preservation of defenses on nf-10 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.
NYU-Hospital for Joint Diseases v Allstate Ins. Co., 2014 NY Slip Op 08613 (2d Dept. 2014)
On October 18, 2012, the plaintiff mailed a copy of the NF-5 claim form to the defendant, Lopez’s automobile insurance carrier. The defendant received it on or about October 20, 2012, and thereafter issued an NF-10 denial of claim form dated November 14, 2012. The plaintiff, while not disputing that the defendant had issued a denial of claim within 30 days after its receipt of the NF-5 claim form, asserted in its motion for summary judgment that the NF-10 form was “defective” because it “contain the wrong amount of the bill and the wrong amount in dispute.” Upon an order entered September 10, 2013, granting that branch of the plaintiffs’ motion which was for summary judgment on the first cause of action, the Supreme Court entered a judgment in favor of the plaintiff and against the defendant in the principal sum of $19,095.62.
Among the ways in which a no-fault insurer may comply with the “30 day rule” (see Insurance Law § 5106; 11 NYCRR 65-3.8; ) is by issuing a “timely and sufficient” NF-10 denial of claim form within 30 days after its receipt of an NF-5 claim form (Viviane Etienne Med. Care, P.C. v Country-Wide Ins. Co., 114 AD3d 33, 46). Nonprejudicial mistakes or omissions in [*2]an otherwise timely and proper “NF-10” denial of claim form are not necessarily fatal (see Wyckoff Hgts. Med. Ctr. v Government Empls. Ins. Co., 114 AD3d 855; NYU-Hospital for Joint Diseases v Esurance Ins. Co., 84 AD3d 1190, 1191-1192; St. Barnabas Hosp. v Penrac, Inc., 79 AD3d 733, 734; see also Westchester Med. Ctr. v Government Empls. Ins. Co., 77 AD3d 737, 738; cf. St. Vincent’s Hosp. & Med. Ctr. v New Jersey Mfrs. Ins. Co., 82 AD3d 871; Nyack Hosp. v State Farm Mut. Auto. Ins. Co., 11 AD3d 664). Here, the papers submitted in support of the plaintiffs’ motion for summary judgment included a copy of the defendant’s NF-10 denial of claim form. Contrary to the plaintiff’s contention, the NF-10 form was timely and sufficient. Under the circumstances of this case, the plaintiffs did not meet their prima facie burden of establishing their entitlement to judgment as a matter of law (see Viviane Etienne Med. Care, P.C. v Country-Wide Ins. Co., 114 AD3d at 46).
An NF-10 can have mistakes, but the question is whether they are prejudicial. Here, the NF-10 had the UB-05 amount and not the DRG value. The Court allowed the claim to be handled on its merits, and rightfully so.
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Legal Update (February 2026): The regulatory framework governing NF-10 denial requirements under 11 NYCRR 65-3.8 and related Insurance Law provisions may have been amended since this 2014 decision. Practitioners should verify current denial form requirements, procedural standards for timely denials, and any updated guidance on what constitutes “nonprejudicial mistakes” in NF-10 forms.
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
Preservation of Defenses on the NF-10 Denial Form
The NF-10 denial of claim form is the insurer's primary vehicle for asserting defenses to a no-fault claim. Under New York regulations, defenses not raised on the NF-10 within the prescribed time period may be deemed waived. The specificity of the denial, the timeliness of its issuance, and the consequences of failing to properly preserve defenses on the NF-10 are heavily litigated issues. These articles analyze the regulatory requirements and court decisions governing defense preservation on no-fault denial forms.
22 published articles in Preservation of defenses on NF-10
Keep Reading
More Preservation of defenses on NF-10 Analysis
What happened to those EUO letters? What happened to the IME letters? Where are those denials?
NY appellate court cases showing inadequate office practice affidavits fail to prove proper mailing of EUO letters, IME notices, and claim denials.
Jun 3, 2018Does not need to be mailed in duplicate (again)
Court clarifies that failure to mail no-fault denial forms in duplicate is not automatically fatal to insurance company's defense, reinforcing procedural flexibility.
Apr 7, 2015DWI defense non-upheld: mailing, denials and affidavits gone awry
Analysis of catastrophic DWI defense failures due to defective NF-10 forms and mailing errors. Expert no-fault insurance representation in Long Island & NYC.
Mar 5, 2011Appellate Term holds CPLR 3212(f) relief is inappropriate under three separate circumstances
Analysis of Appellate Term decision limiting CPLR 3212(f) relief in three circumstances. Essential guidance for NY civil practice and discovery strategy.
Feb 25, 2010How Claim Representative Affidavits Can Cure NF-10 Form Inaccuracies in New York No-Fault Law
Learn how claim representative affidavits can cure NF-10 form inaccuracies in New York no-fault litigation. Expert guidance for medical providers. Call 516-750-0595.
Jun 11, 2009Mailing and denial issues
Court rules on no-fault insurance denial mailing issues in Urban Well Acupuncture v American Commerce, highlighting defective mailing proof and proper denial procedures.
Oct 28, 2014Common Questions
Frequently Asked Questions
What is an NF-10 form and why does it matter?
The NF-10 is the denial of claim form used by no-fault insurers. Under 11 NYCRR §65-3.8, the insurer must issue the NF-10 within 30 days of receiving proof of claim (or the EUO/IME). The defenses listed on the NF-10 are the only defenses the insurer can raise — any defense not preserved on the form is waived.
What happens if an insurer fails to timely issue an NF-10?
If the insurer does not issue a timely denial via the NF-10, it is precluded from asserting most defenses to the claim. This preclusion doctrine is strictly enforced in New York courts. The claim is then deemed overdue, and the insurer must pay with statutory interest unless it can demonstrate a valid basis for late denial.
Can an insurer raise defenses not listed on the NF-10?
Generally no. The NF-10 must specify the grounds for denial, and the insurer is limited to those grounds in subsequent litigation or arbitration. Certain defenses like lack of coverage or fraud may be raised independently through a declaratory judgment action, but standard claim defenses must be preserved on the NF-10.
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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 preservation of defenses on nf-10 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.