Key Takeaway
Florida PIP case examines filing fee strategy where GEICO confessed judgment to block amendment attempts after low-value complaint filing in Alliance Spine v GEICO.
This article is part of our ongoing procedural issues coverage, with 186 published articles analyzing procedural issues 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.
ALLIANCE SPINE & JOINT III, LLC a/a/o AUDREY BELMONTE vs GEICO GENERAL INSURANCE COMPANY, No. 4D21-134 (Fla. 4th DCA 2021)
This is an interesting Florida PIP case as it deals with the bane of every PIP Plaintiff/Applicant attorney: filing fees. New York Civil Court, City Court and District Court attorneys fail to realize how lucky they have it with the filing fees in the lower courts in New York. Outside of service fees, a lower court attorney will spend no more than $85 per case in filing fees, from $1 to $15,000-$25,000. Arguably, multi-suits could be per Assignor, allowing the maximum set forth in a complaint to be larger than above.
In Florida, the filing fees are bifurcated. The complaint filing fee is: $55.00 (claim under $100); $80.00 (claims from $101-$500); $175.00 ($501-$2500); $300.00 ($2501 to $30,000). The summons fee is $10.00 and there is usually a $5.00 surcharge added to all transactions.
A volume practitioner will always try to fit within the $55.00 fee level. It is economical. After devoting $70 to aggregate filing fees (there is no NOT or motion fee in Fla), the volume practitioner will also try to move to amend if he believes the claim has merit.
The good people at GEICO caught on, knew they had no defense and filed a confession once the suit was served. Sure, the attorney/filing fee will be $2500, but they blocked out additional exposure. (Florida only allows one lawsuit per Claimant/Assignee).
A motion to amend was made, which the Court saw through:
“On May 16, 2019, approximately five and a half months after Geico confessed judgment and two weeks before the scheduled hearing on Geico’s motion to enforce the confession of judgment Provider moved to amend its complaint. Provider alleged, for the first time, that the “$54.10” in damages sought in the complaint was a “typographical error.” Provider made no mention of the complaint’s allegation that its damages “do not exceed $100.” As evidence that the “$54.10” was a typographical error, Provider attached to its motion a demand letter that it allegedly sent to Geico on October 11, 2016, demanding “$531.16” plus interest. “
“Thus, the controversy between the parties had not been so fully resolved that a judicial determination could have no
actual effect. Accordingly, to the extent the court seemingly denied the motion to amend on the basis that it lacked the authority to rule on the motion, we hold that it was error to do so. However, the court alternatively denied the motion to amend on the basis of prejudice. Because we conclude that the court did not abuse its discretion in denying the amendment on the basis of prejudice, we affirm the final judgment because at that point there was nothing left for the court to do but to enforce the otherwise valid confessed judgment”
The lesson is to know that with every action, there is an opposite yet equal reaction.
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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
Procedural Issues in New York Litigation
New York civil procedure governs every stage of litigation — from pleading requirements and service of process to motion practice, discovery deadlines, and trial procedures. The CPLR creates strict procedural rules that can make or break a case regardless of the underlying merits. These articles examine the procedural pitfalls, timing requirements, and strategic considerations that practitioners face in New York state courts, with a particular focus on no-fault insurance and personal injury practice.
186 published articles in Procedural Issues
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Frequently Asked Questions
What are common procedural defenses in New York no-fault litigation?
Common procedural defenses include untimely denial of claims (insurers must issue denials within 30 days under 11 NYCRR §65-3.8(c)), failure to properly schedule EUOs or IMEs, defective service of process, and failure to comply with verification request requirements. Procedural compliance is critical because courts strictly enforce these requirements, and a single procedural misstep by the insurer can result in the denial being overturned.
What is the CPLR and how does it affect my case?
The New York Civil Practice Law and Rules (CPLR) is the primary procedural statute governing civil litigation in New York state courts. It covers everything from service of process (CPLR 308) and motion practice (CPLR 2214) to discovery (CPLR 3101-3140), statute of limitations (CPLR 213-214), and judgments. Understanding and complying with CPLR requirements is essential for successful litigation.
What is the 30-day rule for no-fault claim denials?
Under 11 NYCRR §65-3.8(c), an insurer must pay or deny a no-fault claim within 30 calendar days of receiving proof of claim — or within 30 days of receiving requested verification. Failure to issue a timely denial precludes the insurer from asserting most defenses, including lack of medical necessity. This 30-day rule is strictly enforced by New York courts and is a critical defense for providers and claimants.
How does improper service of process affect a no-fault lawsuit?
Improper service under CPLR 308 can result in dismissal of a case for lack of personal jurisdiction. In no-fault collection actions, proper service on insurers typically requires serving the Superintendent of Financial Services under Insurance Law §1212. If service is defective, the defendant can move to dismiss under CPLR 3211(a)(8), and any default judgment obtained on defective service may be vacated.
What is a condition precedent in no-fault insurance?
A condition precedent is a requirement that must be satisfied before a party's obligation arises. In no-fault practice, claimant conditions precedent include timely filing claims, appearing for EUOs and IMEs, and responding to verification requests. Insurer conditions precedent include timely denying claims and properly scheduling examinations. Failure to satisfy a condition precedent can be dispositive — an untimely denial waives the insurer's right to contest the claim.
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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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