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North Atlantic Life Ins Co. of Am. v. Rothman

Appellate Division of the Supreme Court of New York, Second Department
Jun 26, 1989
151 A.D.2d 731 (N.Y. App. Div. 1989)

Opinion

June 26, 1989

Appeal from the Supreme Court, Nassau County (Robbins, J.).


Ordered that the order is affirmed, with costs.

The record establishes that both the decedent and the defendant misrepresented the decedent's history of cigarette smoking on the application for insurance. The application dated July 9, 1984 indicated that the "[i]nsured has not smoked cigarettes in the past 12 mos". The application further provided that the proposed insured and the applicant represented that, to the best of their knowledge, all statements and answers contained in the application were true and correctly recorded. Both the decedent and the defendant signed the application.

In support of its motion for summary judgment the plaintiff insurer submitted a medical report dated January 5, 1984, which characterized the decedent as a "[h]eavy cigarette smoker". Additionally, the insurer submitted a portion of the defendant's examination before trial during which she stated: "I couldn't tell you when he was on cigarettes and off cigarettes". The insurer's director of underwriting submitted an affidavit in support of the motion indicating that the policy would not have been issued had the insurer known that the decedent smoked during the 12-month period prior to applying for the policy.

We find that the insurer made a prima facie showing of entitlement to judgment as a matter of law (see, Winegrad v. New York Univ. Med. Center, 64 N.Y.2d 851; Fox v. Wyeth Labs., 129 A.D.2d 611). The defendant's conclusory allegations in response were insufficient to defeat the insurer's motion (see, Zuckerman v. City of New York, 49 N.Y.2d 557).

Contrary to the defendant's contention, we conclude that the misrepresentation was material (see, Mutual Benefit Life Ins. Co. v. JMR Elecs. Corp., 848 F.2d 30). It is apparent that had the insurer known the true facts the policy would not have issued (see, Insurance Law § 3105 [b]).

Lastly, the Supreme Court properly denied the defendant's cross motion to amend her answer to include a counterclaim for reformation. Given the material misrepresentation, reformation, as contemplated by the defendant, would have required the court to rewrite the agreement. A court "cannot under the guise of reformation make a new contract for the parties" (69 N.Y. Jur 2d, Insurance, § 783, at 186). Thus, the amendment sought by the defendant was palpably improper (see, Shepherd v. New York City Tr. Auth., 129 A.D.2d 574; Casey v. State of New York, 119 A.D.2d 363). Bracken, J.P., Eiber, Harwood and Balletta, JJ., concur.


Summaries of

North Atlantic Life Ins Co. of Am. v. Rothman

Appellate Division of the Supreme Court of New York, Second Department
Jun 26, 1989
151 A.D.2d 731 (N.Y. App. Div. 1989)
Case details for

North Atlantic Life Ins Co. of Am. v. Rothman

Case Details

Full title:NORTH ATLANTIC LIFE INSURANCE COMPANY OF AMERICA, Respondent, v. LENORA…

Court:Appellate Division of the Supreme Court of New York, Second Department

Date published: Jun 26, 1989

Citations

151 A.D.2d 731 (N.Y. App. Div. 1989)
542 N.Y.S.2d 795

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