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Solomon v. U.S.

Appellate Division of the Supreme Court of New York, First Department
Aug 16, 2007
43 A.D.3d 333 (N.Y. App. Div. 2007)

Opinion

No. 875.

August 16, 2007.

Order, Supreme Court, New York County (Herman Cahn, J.), entered June 1, 2006, which denied defendant's motion, pursuant to CPLR 3211 (a) (7), to dismiss the complaint, unanimously reversed, on the law, without costs, the motion granted and the complaint dismissed. The Clerk is directed to enter judgment accordingly.

L'Abbate, Balkan, Colavita Contini, L.L.P., Garden City (Maureen E. O'Connor of counsel), for appellant.

Diamond and Diamond, LLC, New York (Stuart Diamond of counsel), for respondents.

Before: Andrias, J.P., Saxe, Marlow, Nardelli and Williams, JJ.


We agree with the motion court that section A (1) of defendant's policy is not ambiguous, and that plaintiffs' claim herein does not fall within the ambit of the policy's coverage. We disagree with the motion court, however, regarding the applicability of Insurance Law § 3420 (d).

In Matter of Worcester Ins. Co. v Bettenhauser (95 NY2d 185 [2000]), the Court of Appeals stated that: "Disclaimer pursuant to [Insurance Law] section 3420 (d) is unnecessary when a claim falls outside the scope of the policy's coverage portion. Under those circumstances, the insurance policy does not contemplate coverage in the first instance, and requiring payment of a claim upon failure to timely disclaim would create coverage where it never existed. By contrast, disclaimer pursuant to section 3420 (d) is necessary when denial of coverage is based on a policy exclusion without which the claim would be covered" ( id. at 188-189; see also Lutheran Social Servs. of Metro. N.Y., Inc. v Guide One Ins., 35 AD3d 285).

Here, since the claim falls outside of the scope of the policy, a disclaimer is unnecessary, rendering the timeliness of defendant's notice irrelevant.


Summaries of

Solomon v. U.S.

Appellate Division of the Supreme Court of New York, First Department
Aug 16, 2007
43 A.D.3d 333 (N.Y. App. Div. 2007)
Case details for

Solomon v. U.S.

Case Details

Full title:VICTOR SOLOMON et al., Respondents, v. UNITED STATES FIDELITY GUARANTY…

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

Date published: Aug 16, 2007

Citations

43 A.D.3d 333 (N.Y. App. Div. 2007)
2007 N.Y. Slip Op. 6446
841 N.Y.S.2d 39

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