Key Takeaway
Florida law prevails in New York court allowing retroactive policy rescission for material misrepresentation in insurance application under Florida Statutes § 627.409.
This article is part of our ongoing choice of law coverage, with 35 published articles analyzing choice of law 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.
Compas Med., P.C. v Infinity Group, 2016 NY Slip Op 50042(U)(App. Term 2d Dept. 2016)
Florida law prevails again, and the decision makes sense. I imagine of Plaintiff procured an affidavit from Assignor and raised an issue of fact, this case would have been tough on defense to prove. And, do not forget about Florida Attorney fees.
“The vehicle involved in the accident at issue, which occurred in New York, was being driven by plaintiff’s assignor, the daughter of the policyholder. At the time of the accident, the vehicle was insured by defendant under a Florida automobile insurance policy. After defendant’s investigation into the accident revealed that the insured had not resided at the Florida address listed on the insurance application and that the vehicle had not been garaged at that Florida address, defendant rescinded the policy, ab initio, pursuant to Florida Statutes Annotated, title 37, § 627.409, which permits retroactive cancellation of an insurance contract if there has been a material misrepresentation in an application for insurance.
In order to show that it properly voided a motor vehicle policy ab initio, in accordance with Florida law, an insurer must demonstrate that it had given notice of the rescission to the insured and that it had returned or tendered, within a reasonable time after the discovery of the grounds for avoiding the policy, all premiums that had been paid (see Leonardo v State Farm Fire and Cas. Co., 675 So 2d 176, 179 ; see also United Auto. Ins. Co. v Salgado, 22 So 3d 594, 600-601 ). As defendant demonstrated, through the supporting affidavit of its senior litigation specialist and accompanying documents, that it had fully complied with the foregoing requirements, defendant’s prima facie entitlement to summary judgment was established (see W.H.O. Acupuncture, P.C. v Infinity Prop. & Cas. Co., 36 Misc 3d 4).”
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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
Choice of Law in New York Insurance & Injury Cases
When an accident or insurance dispute involves multiple states, New York courts must determine which state's law governs the claim. Choice-of-law analysis in New York uses an interest analysis approach for tort claims and a grouping-of-contacts test for contract-based insurance disputes. The choice between New York and another state's law can dramatically affect the outcome — particularly regarding no-fault thresholds, damage caps, and procedural requirements. These articles examine the analytical framework New York courts apply to resolve choice-of-law disputes.
35 published articles in Choice of law
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Mar 17, 2021Retroactive rescission
A Florida choice of law analysis leads to successful retroactive rescission, highlighting the importance of understanding different state laws in no-fault insurance cases.
Sep 25, 2020Policy voided
New York court upholds insurance company's retroactive policy rescission under Florida law, demonstrating how choice of law principles apply in multi-state insurance disputes.
Jan 26, 2018An appeal for the sake of an appeal?
New York appellate court reverses summary judgment in no-fault insurance case due to missing affidavit, raising questions about the necessity of the appeal.
Mar 21, 2016Policy can be rescined under PA law; proof insufficient as to particular Assignor
PA law policy rescission case - insufficient proof against assignor in NY no-fault insurance fraud claim. Delta Diagnostic v Infinity Group 2014 decision analysis.
Apr 19, 2014When NY and NJ Insurance Laws Collide: Understanding Cross-State Claims
Expert legal guidance on NY-NJ cross-state insurance claims. Long Island attorney explains choice of law implications. Call 516-750-0595.
Mar 22, 2009Common Questions
Frequently Asked Questions
How do New York courts decide which state's law applies?
New York follows an 'interest analysis' approach to choice-of-law questions, examining which jurisdiction has the greatest interest in having its law applied. In insurance and personal injury cases, relevant factors include where the accident occurred, where the policy was issued, where the insured resides, and where the insurer is domiciled. Choice-of-law issues frequently arise in cross-border accidents and when out-of-state insurance policies cover New York accidents.
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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.
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