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No-Fault Insurance Law

Mailing & Proof of Mailing

Proof of proper mailing of denial letters, EUO notices, and IME scheduling letters is critical. Courts scrutinize affidavits of mailing and office mailing procedures with increasing rigor.

47 articles from 2009–2021 · 0 current · 1 reviewed case notes · by Jason Tenenbaum

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The explainer for this topic. Read it first; the articles below go deeper on single issues.

How the firm handles these matters

Reviewed case notes by year

Notes on decisions from earlier years that the firm has re-read against current law. Each note states when it was last reviewed and what has changed since.

Older archive

Case notes as they were written at the time. They have not been re-checked against later decisions, so treat them as history and confirm the current rule before relying on one.

2021 (1)
2020 (2)
2019 (1)
2018 (3)
2017 (3)
2016 (4)
2015 (3)
2014 (9)
2013 (1)
2012 (5)
2011 (4)
2010 (8)
2009 (2)

Frequently asked questions

Why is proof of mailing important in no-fault litigation?

Proof of mailing matters because many no-fault defenses depend on showing that a denial, verification request, or examination notice was actually sent on time. Under 11 NYCRR 65-3.8(c) the insurer must pay or deny a claim within 30 calendar days after receiving proof of claim, so an insurer that cannot prove a timely mailing loses that defense. Courts presume a properly mailed notice was received once the sender proves its office mailing practice. In Thibeault v Travelers Ins. Co., 37 AD3d 1000 (3d Dept 2007), a denial of receipt alone did not rebut the presumption, but proof that the address used was incomplete and undeliverable raised a question of fact.

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