Dilemma and dogma
Court ruling on EUO timing requirements in NY no-fault cases - insurer failed to prove compliance with 15-day deadline for examination under oath notices.
Dilemma and dogma — Read More →21 articles published in June 2018
The articles below were published in June 2018 by Attorney Jason Tenenbaum and the legal team at his Long Island law office. Each article provides detailed analysis of real court decisions, statutory developments, and procedural issues in New York personal injury, no-fault insurance, and employment law.
Attorney Tenenbaum has maintained this legal blog since 2008, creating one of the most comprehensive public archives of New York insurance and personal injury case law analysis available online. Every article draws on his firsthand experience litigating cases in Nassau County District Court, Suffolk County courts, New York City Civil Court, and the Appellate Term. Unlike generic legal content, these articles cite specific case holdings, analyze judicial reasoning, and identify practical takeaways for attorneys and claimants navigating New York's complex legal landscape.
Whether you are an attorney researching a procedural question, an insurance professional evaluating a claim, or an individual trying to understand your legal rights after an accident or workplace dispute, this archive offers substantive legal analysis grounded in real New York courtroom experience. For case-specific legal advice, contact the Law Office of Jason Tenenbaum at (516) 750-0595 for a free consultation.
Court ruling on EUO timing requirements in NY no-fault cases - insurer failed to prove compliance with 15-day deadline for examination under oath notices.
Dilemma and dogma — Read More →Out-of-state insurance carriers can challenge personal jurisdiction in NY courts for no-fault claims. Key case analysis and jurisdictional requirements explained.
Lack of personal jurisdiction for an out of state insurance carrier — Read More →Court ruling on acupuncture needle reinsertion claims raises questions about partial false billing defenses in NY no-fault insurance cases.
+15 minute decision begs a better question — Read More →Analysis of significant limitation prong under Insurance Law 5102(d) in Schaubroeck v Moriarty, examining causation requirements and threshold standards.
Significant limitaiton prong of Ins Law 5102(d) — Read More →NY court rules insurers don't need objective reasons for EUO requests when providers fail to appear, but questions remain about remedies after valid excuses.
EUO no-show case/objective reasons not necessary/ what's next? — Read More →New trial ordered when treating physician expert arrived without required original medical file and was unavailable for rescheduled testimony dates.
New trial ordered due to physician unavailability — Read More →Court case analysis showing how the 120-day rule for no-fault insurance verification demands has been weakened, allowing claims to proceed despite procedural issues.
120-day rule crumbles — Read More →Court ruling demonstrates that medical conditions can evolve over time, challenging the emphasis on immediate post-accident medical examinations in necessity determinations.
Why “contemporaneous” medical inquiry should not be the loadstar of medical necessity determinations — Read More →NY court finds excavator on public highway meets "use and operation" standard for no-fault coverage, even when temporarily parked and unattended during construction work.
Use and Operation again and again — Read More →Court clarifies attorney fee awards in no-fault arbitration appeals, establishing precedent for reasonable fee determination in master arbitration proceedings.
+Bonus attorneys fees — Read More →New York personal injury case law on proving causation in accident claims. Analysis of Hernandez v Marcano regarding medical evidence requirements and causal connection standards.
Proof of causation — Read More →New York court rules that infant compromise orders aren't needed in no-fault arbitration when healthcare provider acts as assignee, not the infant patient as party.
Infants compromise order not needed to proceed in arbitration in assignee case — Read More →NY appellate court rules that insurance company's late receipt of claim forms creates triable issue of fact regarding timely mailing under 45-day rule.
Triable issue of fact: 45-day rule — Read More →Court ruling demonstrates how defendant's affidavits from driver and passenger can establish prima facie case that no contact occurred in no-fault insurance claim.
Non contact case on motion — Read More →NY appellate court cases showing inadequate office practice affidavits fail to prove proper mailing of EUO letters, IME notices, and claim denials.
What happened to those EUO letters? What happened to the IME letters? Where are those denials? — Read More →Court rules insurance company failed to prove assignor's EUO non-appearance with personal knowledge testimony, highlighting burden of proof requirements in no-fault cases.
Where was the partner? — Read More →Court rules IME scheduling letters sent to wrong address failed to establish proper notice, highlighting importance of accurate mailing addresses in no-fault cases.
IME no-show unsuccessful — Read More →NY appellate court reaffirms EUO scheduling deadlines in no-fault insurance cases, highlighting consequences when insurers fail to meet statutory timing requirements.
Neptune EUO scheduling rule on display again — Read More →State Farm's Georgia mail processing system passes Appellate Term scrutiny despite mailing challenges in no-fault insurance case Maiga v State Farm.
State Farm and Georgia – passes Appellate Term scrutiny — Read More →New York appellate court clarifies insurance companies must preserve IME no-show defenses for each claim separately, even when denying multiple claims from same provider.
The Unitrin/ Westchester split — Read More →New York court rules insurers must prove material misrepresentation with underwriting documentation. Ameriprise failed to establish it wouldn't have issued policy.
Material Misrepresentations – Must follow the Ins Law 3105 rule — Read More →The Law Office of Jason Tenenbaum publishes legal analysis on a regular basis covering developments in New York personal injury litigation, no-fault insurance disputes, employment discrimination, and related practice areas. Attorney Tenenbaum started writing about New York case law in 2008, and the blog has grown into a library of over 2,353 articles analyzing court decisions from the Appellate Term, Appellate Division, and Court of Appeals.
Topics frequently covered include the prima facie case standard in no-fault actions, the 30-day preclusion rule under Insurance Regulation 192, IME and EUO no-show defenses, summary judgment practice under CPLR 3212, default judgment standards, verification and claims submission procedures, and the serious injury threshold under Insurance Law Section 5102(d). Employment law articles address wrongful termination, workplace discrimination under the New York State Human Rights Law, wage and hour violations, and employer retaliation claims.
Each article is written for a professional audience but remains accessible to non-lawyers seeking to understand how New York courts handle specific legal issues. The firm serves clients across Long Island, including Nassau County, Suffolk County, and the five boroughs of New York City. If you have a legal question about any topic covered in these articles, call (516) 750-0595 for a free, confidential consultation.
New York's civil court system is one of the most complex in the nation, with multiple overlapping jurisdictions that affect how personal injury, no-fault insurance, and employment cases are litigated. The New York City Civil Court handles claims up to $25,000 in the five boroughs, while the District Courts in Nassau and Suffolk Counties handle similar matters on Long Island. For claims exceeding $25,000, the Supreme Court serves as the primary trial court with unlimited monetary jurisdiction. Despite its name, the Supreme Court is not the highest court in New York — that distinction belongs to the Court of Appeals, which sits in Albany and decides approximately 200 cases per year.
Appeals from Civil Court and District Court decisions go to the Appellate Term, which is divided into departments corresponding to the Appellate Division. The Appellate Term for the Second Department — which covers Nassau County, Suffolk County, Kings County (Brooklyn), Queens County, and Richmond County (Staten Island) — hears hundreds of no-fault insurance appeals each year and has developed a substantial body of case law on topics including timely denial, verification procedures, proof of mailing, fee schedule disputes, and medical necessity standards. The Appellate Division, Second Department, hears appeals from Supreme Court and from the Appellate Term, and its decisions are binding on all lower courts within its jurisdiction.
Understanding where your case falls within this system is critical. A no-fault insurance dispute involving a $3,000 medical bill will follow a very different procedural path than a $500,000 personal injury claim arising from the same automobile accident. The former is typically resolved through mandatory arbitration before the American Arbitration Association under Insurance Department Regulation 68, while the latter proceeds through Supreme Court with full discovery, independent medical examinations under CPLR 3121, depositions, and potentially a jury trial. Attorney Tenenbaum has practiced extensively in all of these venues and understands the strategic considerations unique to each.
Several statutes and regulations appear frequently in the articles archived on this page. Insurance Law Article 51 establishes New York's no-fault insurance framework, requiring every motor vehicle policy to include personal injury protection benefits covering medical expenses, lost earnings (up to $2,000 per month), and other basic economic loss up to $50,000 per person. 11 NYCRR 65-3.8 (Insurance Regulation 192) imposes a 30-day deadline on insurers to pay or deny no-fault claims after receiving proof of claim and all demanded verification, and the failure to timely deny results in preclusion of most coverage defenses.
In personal injury litigation, Insurance Law Section 5102(d) defines the categories of "serious injury" that a plaintiff must establish before recovering non-economic damages in a motor vehicle accident case. The nine categories — death, dismemberment, significant disfigurement, fracture, loss of a fetus, permanent loss of use, permanent consequential limitation, significant limitation of use, and the 90/180-day category — each have specific evidentiary requirements that have been refined through decades of appellate decisions. The Law Office of Jason Tenenbaum has litigated serious injury threshold motions in hundreds of cases and regularly writes about new developments in this area.
Employment claims in New York implicate both state and federal statutes. The New York State Human Rights Law (Executive Law Section 296) prohibits employment discrimination based on age, race, creed, color, national origin, sexual orientation, gender identity, military status, sex, disability, predisposing genetic characteristics, familial status, marital status, and domestic violence victim status. The New York City Human Rights Law provides even broader protections and applies a more liberal standard. At the federal level, Title VII of the Civil Rights Act, the Americans with Disabilities Act, and the Age Discrimination in Employment Act provide additional protections but are subject to administrative exhaustion requirements through the EEOC.
Workers' compensation cases in New York are governed by the Workers' Compensation Law and administered by the Workers' Compensation Board. Injured workers are entitled to medical treatment, lost wage benefits (typically two-thirds of the average weekly wage, subject to a statutory maximum), and permanency awards for lasting disabilities. Third-party claims — such as personal injury lawsuits against property owners or general contractors under Labor Law Sections 200, 240, and 241 — often run parallel to workers' compensation proceedings and involve complex lien and subrogation issues that require experienced legal counsel to navigate properly.
The articles in this archive analyze real decisions from courts across New York State, with a particular focus on the Appellate Term and Appellate Division decisions that establish binding precedent for trial courts on Long Island and in New York City. Whether you are an attorney preparing a motion, an insurance professional evaluating a claim, or an individual trying to understand your rights, these articles provide the detailed legal analysis that generic legal websites simply cannot offer. For personalized advice about your specific situation, contact the Law Office of Jason Tenenbaum at (516) 750-0595.
The Law Office of Jason Tenenbaum, P.C. serves clients from its office at 326 Walt Whitman Road, Suite C, Huntington Station, New York 11746. The firm represents individuals and businesses throughout Long Island — including the towns of Babylon, Islip, Brookhaven, Smithtown, Riverhead, Southampton, East Hampton, Huntington, and Oyster Bay in Suffolk County, and the cities and villages of Hempstead, Garden City, Mineola, Great Neck, Manhasset, Freeport, Long Beach, Rockville Centre, Valley Stream, Westbury, Hicksville, Massapequa, and Levittown in Nassau County. The firm also handles cases in all five boroughs of New York City: Queens, Brooklyn (Kings County), Manhattan (New York County), the Bronx, and Staten Island (Richmond County). Court appearances are regularly made at Nassau County Supreme Court in Mineola, Suffolk County Supreme Court in Riverhead, the Nassau County District Court, the Suffolk County District Court, and the New York City Civil Court throughout the five boroughs.
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