Opinion
December 22, 1995
Appeal from the Supreme Court, Erie County, Whelan, J.
Present — Pine, J.P., Lawton, Wesley, Callahan and Davis, JJ.
Order unanimously reversed on the law with costs, motion denied and complaint reinstated. Memorandum: Supreme Court erred in granting defendant's motion for summary judgment dismissing plaintiff's action seeking to compel defendant, Unigard Insurance Co. (Unigard), to pay first-party (No-Fault) benefits pursuant to the policy issued to plaintiff. 11 NYCRR 65.15 (m) (2) (i) requires an insurance company to pay first-party benefits where coverage has been excluded for an applicant operating a vehicle while in an intoxicated condition "if such intoxicated * * * condition was not a contributing cause of the accident causing [his] injuries". Plaintiff submitted proof that a tractor-trailer was obstructing plaintiff's decedent's lane of travel and that the driver of the tractor-trailer was cited for failure to yield the right-of-way. Plaintiff has demonstrated by proof in admissible form that there is a triable issue of fact whether there was a causal connection between the intoxication of plaintiff's decedent and the accident (see, Cernik v Sentry Ins., 131 A.D.2d 952). The conflicting expert opinions, submitted by the parties to support their positions, should not be resolved on a motion for summary judgment (see, Luthart v Danesh [appeal No. 2], 201 A.D.2d 930). Therefore, whether intoxication was a contributing cause of the accident that would entitle Unigard to exclude coverage is a question of fact for the jury (see, Baron v Nationwide Mut. Ins. Co., 130 A.D.2d 967).