B
`EXHIBIT
`EXHIBIT B
`
`A DEFAULT
`JUDGMENT
`MOTION
`TO ENTER
`MOTION TO ENTER A DEFAULT JUDGMENT
`
`
`
`B
`EXHIBIT
`EXHIBIT B
`
`

`

`OF THE STATE OF NEW YORK
`COURT
`SUPREME
`OF NEW YORK
`COUNTY
`--.______-----------------------------------------------X
`INSURANCE
`AMERICAN
`TRANSIT
`
`COMPANY,
`
`Plaintiff(s)
`
`'
`
`Against
`
`OF MOTION
`NOTICE
`A DEFAULT
`ENTER
`JUDGMENT
`
`TO
`
`Index
`
`#: 152521/2020
`
`RETURN
`
`JANUARY
`
`DATE:
`19, 2021
`
`CITY
`
`PC, ADVANCED
`ACU NEEDLE
`ACUPUNCTURE,
`PC, ARON ROVNER,
`MEDICAL
`M.D.,
`CONCEPTS,
`ASC OF ROCKAWAY
`APPLE
`BEACH,
`BIG
`PLLC,
`RX PHARMACY
`MED EQUIPMENT
`CUSTOM
`INC.,
`DOS MANOS
`PC, EMPIRE
`CHIROPRACTIC
`LLC,
`GARA MEDICAL
`CARE
`LABORATORIES,
`PC,
`MEDICAL
`ASSOCIATES
`HEALTHWISE
`PC, HILLSIDE
`JA PHYSICAL
`FAMILY
`CHIROPRACTIC
`PC,
`PC, MOLNAR
`MEDICAL
`THERAPY
`SERVICES
`NYC CARE
`CE IROPRACTIC
`P.C, QUEENS
`ONE
`RADIOLOGY
`PC, RELIABLE
`DIAGNOSTIC
`VACATION
`SEDATION
`PERIOP
`SERVICES
`INC,
`PC, UNION
`THERAPY
`SKYLINE
`PHYSICAL
`PLLC,
`DME CORP, WELLNESS
`THERAPY
`PHYSICAL
`REHABILITATION
`WENDELL
`JOSEPH
`PLLC,
`GORUM MD and WOODHAVEN
`CHEMIST
`
`PC,
`
`MED
`
`CORP,
`
`___.----------------------------
`
`COUNSELORS:
`
`Defendants.
`
`X
`
`PLEASE
`
`TAKE
`
`NOTICE,
`
`that
`
`upon
`
`the
`
`annexed
`
`affirmation
`
`of William
`
`Larkin,
`
`Esq.
`
`dated
`
`Sun November
`
`22,
`
`2020,
`
`the affidavits
`
`anached
`
`hereto
`
`as Exhibit
`
`A and upon
`
`all
`
`the
`
`pleadings
`
`and proceedings
`
`heretofore
`
`had herein,
`
`the undersigned
`
`will move
`
`this Court
`
`at
`
`the
`
`Motion
`
`Submission
`
`Part, Room 130,
`
`of
`
`the SUPREME
`
`COURT
`
`OF THE STATE OF NEW
`
`YORK,
`
`County
`
`of NEW YORK,
`
`located
`
`at 60 Centre
`
`Street,
`
`New York, NY 10007
`
`on
`
`JANUARY
`
`19, 2021
`
`at 9:30
`
`o'clock
`
`in the forenoon
`
`of
`
`that day,
`
`or as soon
`
`thereafter
`
`as Counsel
`
`can be heard,
`
`for
`
`an Order
`
`pursuant
`
`to CPLR §3215(a)
`
`granting
`
`a DEFAULT
`
`JUDGMENT
`
`in
`
`favor
`
`of Plaintiff
`
`against
`
`the Defaulting
`
`Defendants
`
`ADVANCED
`
`MEDICAL
`
`CONCEPTS,
`
`PC,
`
`

`

`ARON ROVNER,
`
`M.D.,
`
`PLLC,
`
`ASC OF ROCKAWAY
`
`BEACH,
`
`CUSTOM
`
`RX PHARMACY
`
`LLC,
`
`GARA MEDICAL
`
`CARE
`
`PC, HEALTHWISE
`
`MEDICAL
`
`ASSOCIATES
`
`PC, HILLSIDE
`
`FAMILY
`
`CHIROPRACTIC
`
`PC,
`
`JA PHYSICAL
`
`THERAPY
`
`PC, MOLNAR
`
`MEDICAL
`
`SERVICES
`
`PC, NYC CARE
`
`CHIROPRACTIC
`
`P.C, QUEENS
`
`DIAGNOSTIC
`
`RADIOLOGY
`
`PC, RELIABLE
`
`ONE SERVICES
`
`INC,
`
`SEDATION
`
`VACATION
`
`PERIOP
`
`MED PLLC,
`
`SKYLTNE
`
`PHYSICAL
`
`THERAPY
`
`PC, WELLNESS
`
`PHYSICAL
`
`THERAPY
`
`REHABILITATION
`
`PLLC,
`
`WENDELL
`
`JOSEPH
`
`GORUM MD and WOODHAVEN
`
`CHEMIST
`
`CORP for
`
`such
`
`other
`
`and
`
`further
`
`relief
`
`as this Court
`
`may
`
`deem just
`
`and proper.
`
`PLEASE
`
`TAKE
`
`FURTHER
`
`that
`
`is to be served
`
`at
`
`least
`
`seven
`
`(7) days
`
`prior
`
`to the return
`
`date
`
`of
`
`this motion.
`
`NOTICE,
`
`pursuant
`
`to CPLR §2214(b)
`
`answering
`
`papers
`
`Dated:
`
`New York,
`Sun November
`
`New York
`22, 2020
`
`Yours,
`
`et
`
`.
`
`n Esq.
`
`LL
`arr
`ys for Plai
`
`By:
`Larkin
`Attorn
`tiff
`1250
`6th Floor
`oadway
`New Y rk,
`10001
`Phone:
`12
`88-5807
`w arkin@1arkinfarrell.com
`Email:
`File No.:
`3218
`
`TO:
`ADVANCED
`
`MEDICAL
`
`CONCEPTS,
`
`PC,
`
`80-55
`
`TRYON
`
`PLACE,
`
`JAMAICA,
`
`NY 11432
`
`ARON ROVNER,
`11694
`
`M.D.,
`
`PLLC,
`
`105-20
`
`ROCKAWAY
`
`BEACH
`
`BLVD,
`
`ROCKAWAY,
`
`NY
`
`ASC OF ROCKAWAY
`11530
`
`BEACH,
`
`100 GARDEN
`
`CITY
`
`PL SUITE
`
`500, GARDEN
`
`CITY,
`
`NY
`
`CUSTOM
`
`RX PHARMACY
`
`LLC,
`
`102-03A
`
`QUEENS
`
`BLVD,
`
`FOREST
`
`HILLS,
`
`NY 11375
`
`

`

`GARA MEDICAL
`
`CARE
`
`PC,
`
`44 DOCKSIDE
`
`LANE,
`
`STATEN
`
`ISLAND,
`
`NY 10308
`
`HEALTHWISE
`
`MEDICAL
`
`ASSOCIATES
`
`PC,
`
`401 E 34TH
`
`ST, NEW YORK,
`
`NY 10016
`
`HILLSIDE
`
`FAMILY
`
`CHIROPRACTIC
`
`PC,
`
`185 MARCY
`
`AVENUE,
`
`BROOKLYN,
`
`NY 11211
`
`JA PHYSICAL
`
`THERAPY
`
`PC,
`
`2851 CROPSEY
`
`AVE
`
`STE
`
`#111,
`
`BROOKLYN,
`
`NY 11214
`
`MOLNAR
`
`MEDICAL
`
`SERVICES
`
`PC,
`
`97-01
`
`101ST
`
`AVE,
`
`OZONE
`
`PARK,
`
`NY 11417
`
`NYC CARE CHIROPRACTIC
`
`P.C,
`
`97-01
`
`101ST
`
`AVE,
`
`OZONE
`
`PARK,
`
`NY 11417
`
`DIAGNOSTIC
`NY 11422
`
`RADIOLOGY
`
`PC,
`
`253-02
`
`ROCKAWAY
`
`BLVD
`
`STE
`
`B,
`
`QUEENS
`ROSEDALE,
`
`RELIABLE
`
`ONE SERVICES
`
`INC,
`
`5614A
`
`VAN HORN STREET,
`
`ELMHURST,
`
`NY 11373
`
`SEDATION
`11205
`
`VACATION
`
`PERIOP
`
`MED PLLC,
`
`894 BEDFORD
`
`AVE,
`
`BROOKLYN,
`
`NY
`
`SKYLINE
`
`PHYSICAL
`
`THERAPY
`
`PC,
`
`2266 BATH
`
`WELLNESS
`BROOKLYN,
`
`PHYSICAL
`NY 11230
`
`THERAPY
`
`REHABILITATION
`
`AVE BOX 106, BROOKLYN,
`1820 AVENUE M #699,
`
`PLLC,
`
`NY 11214
`
`WENDELL
`MEADOW,
`
`JOSEPH
`NY 11367
`
`GORUM MD,
`
`162-16
`
`UNION
`
`TURNPIKE
`
`SUITE
`
`202, FRESH
`
`WOODHAVEN
`
`CHEMIST
`
`CORP,
`
`86-22
`
`JAMAICA
`
`AVE, WOODHAVEN,
`
`NY 11421
`
`THE SIGALOV
`11501
`
`FIRM,
`
`PLLC,
`
`200 OLD COUNTRY
`
`ROAD,
`
`SUITE
`
`265, MINEOLA,
`
`NY
`
`THE LAW OFFICES
`ROCKVILLE
`CENTER,
`
`OF GABRIEL
`NY 11570
`
`& MOROFF,
`
`PC,
`
`2 LINCOLN
`
`AVENUE,
`
`4TH FLOOR,
`
`

`

`OF THE STATE OF NEW YORK
`COURT
`SUPREME
`OF NEW YORK
`COUNTY
`-------------------------------------------------------------X
`INSURANCE
`AMERICAN
`TRANSIT
`
`COMPANY,
`
`Plaintiff(s),
`
`Against
`
`AFFIRMATIONIN
`SUPPORT
`
`Index
`
`#: 152521/2020
`
`CITY
`
`PC,
`
`MED
`
`ACU NEEDLE
`PC, ADVANCED
`ACUPUNCTURE,
`PC, ARON ROVNER,
`MEDICAL
`M.D.,
`CONCEPTS,
`ASC OF ROCKAWAY
`APPLE
`BIG
`BEACH,
`PLLC,
`RX PHARMACY
`MED EQUIPMENT
`CUSTOM
`INC.,
`DOS MANOS
`PC, EMPIRE
`CHIROPRACTIC
`LLC,
`GARA MEDICAL
`CARE
`LABORATORIES,
`PC,
`MEDICAL
`ASSOCIATES
`HEALTHWISE
`PC, HILLSIDE
`JA PHYSICAL
`FAMILY
`CHIROPRACTIC
`PC,
`PC, MOLNAR
`MEDICAL
`THERAPY
`SERVICES
`NYC CARE
`P.C, QUEENS
`CHIROPRACTIC
`RADIOLOGY
`ONE
`PC, RELIABLE
`DIA'GNOSTIC
`SEDATION
`VACATION
`PERIOP
`SERVICES
`INC,
`THERAPY
`PC, UNION
`PLL C, SKYLINE
`PHYSICAL
`DME CORP, WELLNESS
`THERAPY
`PHYSICAL
`PLLC, WENDELL
`REE[ABILITATION
`JOSEPH
`GORUM MD and WOODHAVEN
`CHEMIST
`
`CORP,
`
`Defendants.
`
`X
`
`William
`
`Larkin,
`
`Esq.,
`
`an attorney
`
`duly
`
`admitted
`
`to practice
`
`law before
`
`the Courts
`
`of
`
`the State
`
`of
`
`New York,
`
`affirms
`
`the truth
`
`of
`
`the
`
`following
`
`under
`
`the penalties
`
`of perjury:
`
`1.
`
`That
`
`I am William
`
`Larkin,
`
`Esq. with
`
`Larkin
`
`Farrell,
`
`LLC,
`
`attorneys
`
`for Plaintiff,
`
`AMERICAN
`
`TRANSIT
`
`INSURANCE
`
`COMPANY,
`
`and
`
`as such,
`
`am fully
`
`familiar
`
`with
`
`the
`
`facts
`
`and
`
`circumstances
`
`regarding
`
`this
`
`action
`
`from
`
`a review
`
`of
`
`the litigation
`
`file
`
`n'a.inkined
`
`by
`
`this
`
`office.
`
`2.
`
`That
`
`this
`
`affirmation
`
`is submitted
`
`in support
`
`of Plaintiff's
`
`motion
`
`seeking
`
`a
`
`DEFAULT
`
`JUDGMENT
`
`against
`
`ADVANCED
`
`MEDICAL
`
`CONCEPTS,
`
`PC, ARON ROVNER,
`
`M.D.,
`
`PLLC,
`
`ASC OF ROCKAWAY
`
`BEACH,
`
`CUSTOM
`
`RX PHARMACY
`
`LLC, GARA
`
`

`

`MEDICAL
`
`CARE
`
`PC, HEALTHWISE
`
`MEDICAL
`
`ASSOCIATES
`
`PC, HILLSIDE
`
`FAMILY
`
`CHIROPRACTIC
`
`PC,
`
`JA PHYSICAL
`
`THERAPY
`
`PC, MOLNAR
`
`MEDICAL
`
`SERVICES
`
`PC,
`
`NYC CARE
`
`CHIROPRACTIC
`
`P.C, QUEENS
`
`DIAGNOSTIC
`
`RADIOLOGY
`
`PC, RELIABLE
`
`ONE SERVICES
`
`INC,
`
`SEDATION
`
`VACATION
`
`PERIOP
`
`MED PLLC,
`
`SKYLINE
`
`PHYSICAL
`
`THERAPY
`
`PC, WELLNESS
`
`PHYSICAL
`
`THERAPY
`
`REHABILITATION
`
`PLLC, WENDELL
`
`JOSEPH
`
`GORUM MD and WOODHAVEN
`
`CHEMIST
`
`CORP (herein
`
`referred
`
`to collectively
`
`as
`
`"the
`
`Defaulting
`
`Defendants").
`
`3.
`
`Plaintiff
`
`does
`
`not
`
`seek
`
`a default
`
`judgrñcñt
`
`against
`
`the Answering
`
`Defendants
`
`BIG
`
`APPLE MED EQUIPMENT,
`
`INC, ACU NEEDLE
`
`ACUPUNCTURE,
`
`PC, DOS MANOS
`
`CHIROPRACTIC
`
`PC and UNION
`
`DME CORP.
`
`These
`
`defeñdants
`
`appeared
`
`in the action
`
`and
`
`are
`
`not
`
`in default.
`
`No relief
`
`is sought
`
`at
`
`this
`
`time with
`
`respect
`
`to BIG APPLE MED EQUIPMENT,
`
`ACU NEEDLE
`
`CHIROPRACTIC
`
`INC,
`
`DME CORP.
`
`ACUPUNCTURE,
`
`PC, DOS MANOS
`
`PC and UNION
`
`4.
`
`Plaintiff
`
`also
`
`does
`
`not
`
`seek
`
`a default
`
`judgment
`
`against
`
`EMPIRE
`
`CITY
`
`LABORATOR1ES
`
`and BIG APPLE MED EQUIPMENT
`
`INC.
`
`because
`
`EMPIRE
`
`CITY
`
`LABORATORIES
`
`and BIG
`
`APPLE MED EQUIPMENT
`
`INC.
`
`discontinued
`
`all pending
`
`claims
`
`against
`
`Plaintiff
`
`and released
`
`Plaintiff
`
`from any
`
`liability
`
`for
`
`claims
`
`related
`
`to the within
`
`motor
`
`vehicle
`
`accident
`
`making
`
`the within
`
`action
`
`moot
`
`with
`
`respect
`
`to EMPIRE
`
`CITY
`
`LABORATORIES
`
`and BIG
`
`APPLE MED EQUIPMENT
`
`INC..
`
`As
`
`such,
`
`Plaintiff
`
`discontinued
`
`the within
`
`action
`
`with
`
`respect
`
`to EMPIRE
`
`CITY
`
`LABORATORIES
`
`and BIG
`
`APPLE MED
`
`EQUIPMENT
`
`INC..
`
`See the
`
`stipulation(s)
`
`to disϖtinue
`
`streched
`
`hereto
`
`with
`
`the pleadings
`
`as
`
`Exhibit
`
`C.
`
`

`

`FACTUAL
`
`BACKGROUND
`
`5. Plaintiff
`
`AMERICAN
`
`TRANSIT
`
`INSURANCE
`
`COMPANY
`
`issued
`
`a New York
`
`policy
`
`of
`
`insurance
`
`to DEVINDER
`
`BAJWA
`
`with
`
`policy
`
`number
`
`B714930.
`
`6. The
`
`policy
`
`of
`
`insurance
`
`issued
`
`to DEVINDER
`
`BAJWA
`
`with
`
`policy
`
`number
`
`B714930
`
`included
`
`a no-fault
`
`endorsement
`
`which
`
`provided
`
`coverage
`
`to any
`
`eligible
`
`injured
`
`person
`
`for
`
`all necessary
`
`medical
`
`expemes,
`
`lost wages
`
`and other
`
`expenses
`
`resulting
`
`from a motor
`
`vehicle
`
`accident
`
`up to the minimum
`
`statutory
`
`amount
`
`of $50,000.
`
`7. The
`
`policy
`
`of
`
`insurance
`
`issued
`
`to DEVINDER
`
`BAJWA
`
`with
`
`policy
`
`number
`
`B714930
`
`was
`
`in effect
`
`on 3/13/19.
`
`8. On
`
`3/13/19
`
`DEVINDER
`
`BAJWA
`
`was
`
`allegedly
`
`involved
`
`in a motor
`
`vehicle
`
`accident.
`
`BAJWA
`
`9. DEVINDER
`
`put Plaintiff
`
`AMERICAN
`
`TRANSIT
`
`INSURANCE
`
`COMPANY
`
`on notice
`
`of
`
`the alleged
`
`accident
`
`and claimed
`
`injuries
`
`as a result
`
`of
`
`the accident.
`
`10. Plaintiff
`
`AMERICAN
`
`TRANSIT
`
`INSURANCE
`
`COMPANY
`
`assigned
`
`claim
`
`number
`
`1053477-01
`
`to DEVINDER
`
`BAJWA's
`
`claim.
`
`11. DEVINDER
`
`BAJWA
`
`sought
`
`medical
`
`treatment
`
`from the Medical
`
`Provider
`
`Defendants
`
`to treat
`
`the injuries
`
`allegedly
`
`sustained
`
`in the motor
`
`vehicle
`
`accident
`
`on 3/13/19.
`
`12. DEVINDER
`
`BAJWA
`
`assigned
`
`the
`
`right
`
`to collect
`
`no-fault
`
`benefits
`
`to the Medical
`
`Provider
`
`Defendants
`
`in exchange
`
`for
`
`the medical
`
`treatment
`
`allegedly
`
`received.
`
`13. The Medical
`
`Provider
`
`Defendes
`
`have
`
`submitted
`
`no-fault
`
`claims
`
`to Plaintiff
`
`AMERICAN
`
`TRANS1T
`
`INSURANCE
`
`COMPANY
`
`seeking
`
`reimbursement
`
`for medical
`
`services
`
`rendered
`
`to DEVINDER
`
`BAJWA.
`
`

`

`14. The Medical
`
`Provider
`
`Defendants
`
`have
`
`conññcnced
`
`court
`
`actions
`
`and/or
`
`arbitration
`
`proceedings
`
`against
`
`Plaintiff
`
`AMERICAN
`
`TRANSIT
`
`INSURANCE
`
`COMPANY,
`
`or
`
`have
`
`the right
`
`to commence
`
`court
`
`actions
`
`and/or
`
`arbitration
`
`proceedings,
`
`in accordance
`
`with
`
`Article
`
`51 of
`
`the Insurance
`
`Law,
`
`for
`
`purported
`
`overdue
`
`no-fault
`
`benefits.
`
`15. DEVINDER
`
`BAJWA
`
`and/or
`
`his/her
`
`assigns
`
`put AMERICAN
`
`TRANSIT
`
`INSURANCE
`
`COMPANY
`
`on notice
`
`of his/her
`
`address
`
`being
`
`10167
`
`121ST
`
`STREET,
`
`1ST
`
`FLOOR,
`
`JAMAICA,
`
`NY 11419
`
`throught
`
`the suhnú££ic,ñ
`
`of
`
`the Application
`
`for No-Fault
`
`Benefits
`
`(form
`
`NF-2),
`
`Verification
`
`of Treatment
`
`Forms
`
`(form NF-3),
`
`Assignment
`
`of Beeñte
`
`and various
`
`medical
`
`records.
`
`16. Plaintiff
`
`AMERICAN
`
`TRANSIT
`
`INSURANCE
`
`COMPANY
`
`conducted
`
`an
`
`investigaden
`
`of
`
`the claims.
`
`Plaintiff
`
`AMERICAN
`
`TRANSIT
`
`INSURANCE
`
`COMPANY
`
`investigated
`
`the circumstances
`
`suronding
`
`the alleged
`
`motor
`
`vehicle
`
`accident
`
`and the alleged
`
`injuries.
`
`17. Plaintiff
`
`AMERICAN
`
`TRANSIT
`
`INSURANCE
`
`COMPANY
`
`determined
`
`that
`
`the
`
`alleged
`
`injuries
`
`were
`
`not
`
`sustained
`
`as the result
`
`of a covered
`
`event.
`
`18. Thereafter,
`
`Plaintiff
`
`AMERICAN
`
`TRANSIT
`
`INSURANCE
`
`COMPANY
`
`denied
`
`all
`
`claims
`
`based
`
`upon
`
`the investigation
`
`and Plaintiff
`
`AMERICAN
`
`TRANSIT
`
`INSURANCE
`
`COMPANY's
`
`foüñded
`
`belief
`
`that
`
`the alleged
`
`injuries
`
`were
`
`not
`
`setained
`
`as the result
`
`of a covered
`
`event.
`
`19. The
`
`coverage
`
`denial
`
`was mailed
`
`on the prescribed
`
`statutory
`
`form (form
`
`NF-10)
`
`in
`
`accordance
`
`with
`
`Plaintiff's
`
`mailing
`
`proccdures
`
`putting
`
`the Medical
`
`Provider
`
`Defêñdants
`
`on
`
`notice
`
`that
`
`future
`
`claims
`
`for
`
`benefits
`
`would
`
`not
`
`be paid
`
`and that
`
`prior
`
`claims
`
`that
`
`have
`
`not
`
`been
`
`

`

`paid were
`
`no longer
`
`owed
`
`because
`
`coverage
`
`was
`
`being
`
`denied
`
`retroactively
`
`based
`
`on the results
`
`of Plaintiff
`
`AMERICAN
`
`TRANSIT
`
`INSURANCE
`
`COMPANY's
`
`investigation.
`
`20. Plaintiff
`
`AMERICAN
`
`TRANSIT
`
`INSURANCE
`
`COMPANY
`
`denied
`
`all claims
`
`received
`
`after
`
`the irGestigation
`
`was
`
`concluded
`
`within
`
`30 days
`
`based
`
`on the results
`
`of
`
`the
`
`investigation
`
`and the founded
`
`belief
`
`that
`
`the alleged
`
`injuries
`
`were
`
`not
`
`the result
`
`of a covered
`
`event
`
`CONTRACT
`PROVISIONS
`RELEVANT
`BELIEF"
`STANDARD
`AS APPLIED
`TO THE
`
`LAW - THE
`AND CASE
`AND CAUSATION
`FRAUD
`
`"FOUNDED
`DEFENSES
`
`21. The
`
`subject
`
`policy
`
`of
`
`insurance
`
`also
`
`contained
`
`the mandatory
`
`no-fault
`
`endorsement
`
`prescribed
`
`the New York
`
`State
`
`Insurance
`
`by
`
`Department,
`
`which
`
`started
`
`in part:
`
`MANDATORY
`PERSONAL
`ENDORSEMENT
`
`INJURY
`PROTECTION
`NEW YORK
`
`1 - MANDATORY
`SECTION
`will
`first
`The Company
`person
`by an eligible
`injured
`the use or operation
`out
`of
`within
`the United
`States
`
`pay
`
`PERSONAL
`benefits
`party
`on account
`of a motor
`of America,
`
`PROTECTION
`INJURY
`for
`basic
`economic
`to rcimburse
`loss
`of personal
`injuries
`caused
`by an accident
`or a motorcycle
`vehicle
`the policy
`and
`during
`of possessions,
`its territories
`or Canada.
`
`sustained
`
`arising
`
`"Fraud"
`
`defense
`
`is essentially
`
`a coverage
`
`22. No-fault
`
`insurance
`
`policies
`
`cover
`
`only
`
`vehicular
`
`accidents.
`
`A deliberate
`
`collision
`
`is not
`
`a covered
`
`accident.
`
`State
`
`Farm
`
`Mutual
`
`Automobile
`
`Ins. Co.
`
`v. Laguerre,
`
`305 A.D.2d
`
`490,
`
`759 N.Y.S.2d
`
`531
`
`[2nd
`
`Dept.
`
`2003]
`
`; Allstate
`
`Insurance
`
`Co.v. Massre,
`
`14 A.D.3d
`
`610,
`
`789
`
`N.Y.S.2d
`
`206
`
`[2nd
`
`Dept.
`
`2005].
`
`23. When
`
`a collision
`
`is an intentional
`
`act, not
`
`an accident,
`
`there
`
`is no coverage
`
`"regardless
`
`of whether
`
`the intendonal
`
`collision
`
`was motivated
`
`by
`
`fraud
`
`or malice."
`
`Government
`
`Employees
`
`Ins. Co.
`
`v. Shaulskaya,
`
`302 A.D.2d
`
`522,
`
`523,
`
`756 N.Y.S.2d
`
`79 [2nd
`
`Dept.
`
`2003]
`
`; see
`
`also
`
`Progressive
`
`N.
`
`Ins. Co.
`
`v Rafferty,
`
`17 AD3d
`
`888,
`
`889,
`
`793 NYS2d
`
`618
`
`[3d Dept
`
`2005]
`
`[no
`
`

`

`coverage
`
`where
`
`clairnsat
`
`deliberately
`
`rainmed
`
`his
`
`car
`
`into
`
`person
`
`with whom he had
`
`been
`
`fighting].)
`
`24.
`
`Judge
`
`Jack Battaglia
`
`in A.B. Medical
`
`Services,
`
`PLLC v. State
`
`Farm
`
`Mutua!
`
`Automobile
`
`Insunmce
`
`Company,
`
`7 Misc.
`
`3d 822,
`
`795 N.Y.S.2d
`
`843,
`
`2005
`
`N.Y.
`
`Misc.
`
`LEXIS
`
`418,
`
`2005 NY Slip Op 25089,
`
`and Judge
`
`Arlene
`
`Bluth
`
`in V.S. Med.
`
`Servs.,
`
`P.C.
`
`v. Allstate
`
`Ins.
`
`Co.,
`
`11 Misc.
`
`3d 334,
`
`811 N.Y.S.2d
`
`886,
`
`2006
`
`N.Y.
`
`Misc.
`
`LEXIS
`
`6, 2006 NY Slip Op 26000,
`
`235 N.Y.L.J.
`
`15 point
`
`out:
`
`"Damages
`
`resulting
`
`from
`
`a deliberate
`
`collision
`
`are not
`
`covered
`
`no-
`
`by
`
`fault
`
`insurance
`
`regardless
`
`of
`
`the existence
`
`of
`
`fraudulent
`
`motivation."
`
`V.S. Medical
`
`Services,
`
`Id.
`
`At
`
`3. Judge
`
`Bluth
`
`goes
`
`on to state:
`
`"While
`
`some
`
`intentional
`
`collisions
`
`are the products
`
`of
`
`insurance
`
`fraud
`
`schemes,
`
`others
`
`are not.
`
`In all
`
`such
`
`cases,
`
`it
`
`is the deliberate,
`
`ñonaccidatal
`
`for
`
`no-fault
`
`coverage.
`
`Put
`
`character
`
`of
`
`the incident
`
`that makes
`
`it
`
`ineligible
`
`another
`
`way,
`
`the no-
`
`fault
`
`policy
`
`only
`
`covers
`
`accidents;
`
`it does
`
`not
`
`cover
`
`deliberate
`
`incidents.
`
`It does
`
`not matter
`
`whether
`
`the incideñt
`
`was
`
`a deliberate
`
`inugging,
`
`an attempted
`
`murder,
`
`a product
`
`of
`
`road
`
`rage,
`
`or a
`
`cold
`
`calculated
`
`scheme
`
`to defraud
`
`the insurance
`
`company.
`
`If
`
`it was
`
`deliberate,
`
`it
`
`is not
`
`a covered
`
`incident
`
`under
`
`the no-fault
`
`policy."
`
`25. While
`
`our
`
`appellate
`
`courts
`
`commonly
`
`invoke
`
`the term
`
`"fraud"
`
`when
`
`discussing
`
`the defense
`
`of
`
`"staged
`
`accident",
`
`it
`
`is a "lack
`
`of coverage"
`
`they
`
`are discussing
`
`not
`
`necesssrily
`
`fraud.
`
`It seems
`
`to make
`
`no difference
`
`why
`
`the incident
`
`occurred.
`
`If
`
`it were made
`
`to happen,
`
`then
`
`it
`
`is not
`
`an accident
`
`and
`
`therefore
`
`not
`
`a covered
`
`accident.
`
`See State
`
`Farm
`
`v. Laguérre,
`
`305
`
`A.D.2d
`
`490,
`
`491,
`
`759 N.Y.S.2d
`
`531
`
`[2d Dept.
`
`2003].
`
`

`

`The
`
`coverage
`
`defense
`
`can
`
`be raised
`
`at any
`
`time
`
`and
`
`is not
`
`subject
`
`to precissian
`
`26.
`
`In Zappone
`
`v Home
`
`Ins. Co.
`
`(55 NY2d
`
`131,
`
`432 N.E.2d
`
`783,
`
`447 N.Y.S.2d
`
`911,
`
`1982 N.Y.
`
`LEXIS
`
`3077),
`
`the Court
`
`held
`
`that
`
`an insurer's
`
`failure
`
`to timely
`
`disclaim
`
`coverage
`
`pursuant
`
`to former
`
`Insurance
`
`Law § 167 (8)
`
`(superseded
`
`by
`
`Insurance
`
`Law
`
`§ 3420
`
`[d])
`
`does
`
`not
`
`preclude
`
`it
`
`from
`
`later
`
`denying
`
`liability
`
`on the ground
`
`that
`
`the insurance
`
`agrcement
`
`itself
`
`does
`
`not
`
`involved
`
`Prop.
`
`&
`
`cover
`
`the particular
`
`automobile
`
`in the accident.
`
`see also, Matter
`
`of Prudential
`
`Cas.
`
`Ins. Co.
`
`v Hobson,
`
`67 NY2d
`
`19, 20-21).
`
`27. Zappose
`
`distinguished
`
`a denial
`
`of
`
`liability
`
`circumstance
`
`based
`
`upon
`
`a policy
`
`exclusion
`
`and a breach
`
`of a policy
`
`condition
`
`frorn
`
`the situation
`
`in which
`
`an insurer
`
`claims
`
`no
`
`contractual
`
`relationship
`
`with
`
`respect
`
`to the
`
`subject
`
`vehicle
`
`and incident
`
`Zappone
`
`v Home
`
`Ins.
`
`Co.,
`
`supra,
`
`at 136-137;
`
`contrast,
`
`Presbyterian
`
`Hosp.
`
`v Maryland
`
`Cas. Co.,
`
`90 NY2d
`
`274,
`
`supra).
`
`28.
`
`former
`
`Insurance
`
`Law § 167 (8),
`
`the Court
`
`concluded
`
`"that
`
`the
`
`Interpreting
`
`Legislature
`
`in using
`
`the words
`
`'denial
`
`of coverage'
`
`did
`
`not
`
`intend
`
`to require
`
`notice
`
`when
`
`there
`
`never
`
`was
`
`any
`
`insurance
`
`in effect,
`
`and
`
`intended
`
`by
`
`that
`
`phrase
`
`to cover
`
`only
`
`sinianons
`
`in which
`
`a
`
`policy
`
`of
`
`insurance
`
`that would
`
`otherwise
`
`cover
`
`the
`
`particular
`
`accident
`
`is claimed
`
`not
`
`to cover
`
`it
`
`because
`
`of an exclusion
`
`in the policy"
`
`(55 NY2d,
`
`at 138).
`
`The Court
`
`reasoned
`
`that
`
`"[a]
`
`contrary
`
`rule would
`
`impose
`
`an intolerable
`
`burden
`
`on carriers,
`
`subject
`
`as they
`
`for
`
`a
`
`misrepresentation
`
`concerning
`
`coverage"
`
`id.,
`
`at 138).
`
`are to penalty
`
`29. The Court
`
`of Appeals
`
`in Central
`
`Gen. Hosp.
`
`v. Chubb
`
`Group
`
`of
`
`Ins. Cos.,
`
`90
`
`N.Y.2d
`
`195,
`
`199,
`
`681 N.E.2d
`
`413,
`
`659 N.Y.S.2d
`
`246
`
`(1997)
`
`applied
`
`the
`
`holding
`
`in Zappone
`
`in
`
`the no-fault
`
`context
`
`when
`
`hciding
`
`that
`
`"[t]he
`
`denial
`
`of
`
`liability
`
`based
`
`upon
`
`lack
`
`of coverage
`
`within
`
`the insurance
`
`agrêêment,
`
`as framed
`
`in part
`
`the litigation
`
`by
`
`strategy
`
`and nature
`
`of
`
`the
`
`instant
`
`dispute,
`
`is distinguishable
`
`from disclaimer
`
`anempts
`
`based
`
`on a breach
`
`of a policy
`
`

`

`condition
`
`(see, Zappoñê
`
`v Home
`
`Ins. Co.,
`
`supra,
`
`55 NY2d,
`
`at 136-137;
`
`contrast,
`
`Presbyterian
`
`Hosp.
`
`v Maryland
`
`Cas. Co.,
`
`90 NY2d
`
`274
`
`[decided
`
`today]).
`
`Precedent
`
`and
`
`logical
`
`analysis
`
`support
`
`the extension
`
`of
`
`the Zappone
`
`exception
`
`here.
`
`Strict
`
`compliance
`
`with
`
`the time
`
`requiremêñts
`
`of both
`
`the
`
`statute
`
`and regulations
`
`may
`
`be obviated
`
`and the preclusion
`
`remedy
`
`rendered
`
`unavailable
`
`when
`
`denial
`
`of claims
`
`is promised
`
`on a lack
`
`of
`
`coverage."
`
`belief"
`
`injuries
`
`not
`
`arise
`
`out
`
`need
`The Carrier
`incident
`insured
`
`only
`
`estaMish
`
`a "founded
`
`that
`
`the
`
`did
`
`of an
`
`30. The Court
`
`of Appeals
`
`in Chubb
`
`also
`
`established
`
`that
`
`the
`
`carrier
`
`need
`
`only
`
`show
`
`a
`
`"founded
`
`belief"
`
`to support
`
`the fraud/coverage
`
`defense.
`
`The Chubb
`
`court
`
`held
`
`that
`
`"[w]e
`
`are
`
`persuaded
`
`that
`
`an insurer,
`
`despite
`
`its failure
`
`to reject
`
`a claim
`
`within
`
`the 30-day
`
`period
`
`prescribed
`
`Insurance
`
`Law § 5106
`
`(a) and
`
`11 NYCRR
`
`65.15
`
`(g).(3),
`
`may
`
`assert
`
`a lack
`
`of coverage
`
`by
`
`defense
`
`premised
`
`on the fact
`
`or
`
`founded
`
`belief
`
`that
`
`the alleged
`
`injury
`
`does
`
`not
`
`arise
`
`out
`
`of an
`
`insured
`
`incident.
`
`31. Since
`
`the Chubb
`
`decision
`
`was
`
`rendered
`
`it has become
`
`well
`
`settled
`
`that
`
`the insurer
`
`need
`
`only
`
`demonstrate
`
`to the
`
`court
`
`that
`
`it had
`
`a "founded
`
`belief"
`
`that
`
`the
`
`alleged
`
`accident
`
`was
`
`intentionally
`
`caused
`
`in order
`
`to survive
`
`a summary
`
`judgment
`
`motion
`
`by plaintiff-provider.
`
`Mount
`
`Hosp.
`
`v Triboro
`
`Coach
`
`Sinai
`
`(263 AD2d
`
`1 1, 699 NYS2d
`
`77 [1999]);
`
`see also Kingsbrook
`
`Jewish
`
`Med.
`
`Ctr.
`
`v. Allstate
`
`Ins. Co.,
`
`61 A.D.3d
`
`13, 871 N.Y.S.2d
`
`680,
`
`2009
`
`N.Y.
`
`App.
`
`Div.
`
`LEXIS
`
`394,
`
`2009 NY Slip Op
`
`351;
`
`see also Amaze
`
`Medical
`
`Supply
`
`Inc.
`
`v. Lumbermens
`
`M:;::;al
`
`Cas.
`
`Co.,
`
`I0 Misc.
`
`3d
`
`I27[A],
`
`809 N.Y.S.2d
`
`480
`
`(Table),
`
`2005 WL 3115289
`
`citing
`
`Central
`
`Gen.
`
`Hosp.
`
`v. Chubb
`
`G'roup
`
`of
`
`Ins. Cos.,
`
`90 N.Y.2d
`
`195,
`
`199,
`
`681 N.E.2d
`
`413,
`
`659 N.Y.S.2d
`
`246
`
`(1997).
`
`

`

`32. The
`
`founded
`
`belief
`
`that
`
`the alleged
`
`injuries
`
`did
`
`not
`
`arise
`
`as the result
`
`of a covered
`
`event
`
`can be established
`
`by
`
`circumstantial
`
`evidence.
`
`(see A.B. Med.
`
`Servs.,
`
`PLLC v. State
`
`Farm
`
`Mut.
`
`Auto.
`
`Ins. Co.,
`
`7 Misc.
`
`3d 822,
`
`795 N.Y.S.2d
`
`843,
`
`2005 N.Y.
`
`Misc.
`
`LEXIS
`
`418,
`
`2005 NY
`
`Slip Op 25089;
`
`citing
`
`Stone
`
`v Continental
`
`Ins. Co.,
`
`234 A.D.2d
`
`282,
`
`283,
`
`650 N.Y.S.2d
`
`772
`
`[2d
`
`Dept
`
`1996]),
`
`as may
`
`fraud
`
`generally
`
`(see Booth
`
`v Bunce,
`
`33 N.Y.
`
`139,
`
`159 [1865]
`
`; Hickok
`
`v
`
`390
`
`[2d Dept
`
`1909].
`
`"Ciremshaces
`
`insignificant
`
`Cowperthwait,
`
`134 A.D.
`
`617,
`
`618,
`
`119 N.Y.S.
`
`in themselves
`
`may
`
`acquire
`
`probative
`
`force
`
`as links
`
`in the chain
`
`of circumstantial
`
`proof."
`
`(Van
`
`Inderstine
`
`Co.
`
`v Barnet
`
`Leather
`
`Co.,
`
`242 N.Y.
`
`425,
`
`435,
`
`152 N.E.
`
`250
`
`[1926].)
`
`The Appe"ste
`causation
`
`Division,
`defense
`
`Second
`
`Department
`
`applied
`
`the
`
`"founded
`
`belief"
`
`stant.-d
`
`to the
`
`33. The Appellate
`
`Division,
`
`Second
`
`Department
`
`applied
`
`the Chubb
`
`holding
`
`to the
`
`causation
`
`defense
`
`in Mount
`
`Sinai
`
`Hosp.
`
`v. Triboro
`
`Coach,
`
`Inc.,
`
`263 A.D.2d
`
`11, 699 N.Y.S.2d
`
`.12311.
`
`court
`
`that
`
`"the
`
`insurer's
`
`assertion
`
`77,
`
`1999 N.Y.
`
`App.
`
`Div.
`
`LEXIS
`
`The Mount
`
`Sinai
`
`held
`
`of entitlement
`
`to the
`
`"exceptional
`
`exemption"
`
`carved
`
`out
`
`by Central
`
`General
`
`(supra)
`
`must
`
`be
`
`premised
`
`on facts
`
`or else
`
`on a belief
`
`founded
`
`on facts. While
`
`it may
`
`be argüêd
`
`that
`
`the
`
`exceptional
`
`exemption
`
`first
`
`outlined
`
`in Schiff
`
`(supra)
`
`and Zappone
`
`(supra)
`
`is reserved
`
`for
`
`"pure
`
`matters
`
`of
`
`coverage"
`
`rather
`
`than
`
`"factual
`
`disputation[s]"
`
`(Central
`
`Gen. Hosp.
`
`v. Chubb
`
`Group
`
`of
`
`Ins. Cos. Supra,
`
`at 202),
`
`clearly
`
`the question
`
`of whether
`
`was
`
`entirely
`
`(i.e.,
`
`an injury
`
`preexisting
`
`not
`
`covered)
`
`or was
`
`in whole
`
`or
`
`in part
`
`the result
`
`of an insured
`
`accident
`
`(i.e.,
`
`covered)
`
`is hybrid
`
`in nature,
`
`and
`
`cannot
`
`be resolved
`
`without
`
`recourse
`
`to the medical
`
`facts.
`
`This
`
`conclusion
`
`is
`
`compelled
`
`by
`
`the very
`
`language
`
`of Central
`
`General,
`
`which
`
`permits
`
`an insurer
`
`to claim
`
`the
`
`exemption
`
`only
`
`if
`
`it can show
`
`that
`
`its diagnosis
`
`of
`
`the plaintiffs
`
`condition
`
`is "premised
`
`on the
`
`fact
`
`or
`
`founded
`
`beliefthat
`
`the alleged
`
`injury
`
`does
`
`not
`
`arise
`
`out
`
`of an insured
`
`incident"
`
`(Central
`
`

`

`Gen. Hosp.
`
`v. Chubb
`
`Group
`
`of
`
`Ins. Cos. Supra,
`
`at 199)
`
`[emphacis
`
`supplied])
`
`Logically,
`
`defendant
`
`has
`
`the burden
`
`to come
`
`forward
`
`with
`
`proof
`
`in admissible
`
`form to establish
`
`"the
`
`then,
`
`the
`
`fact"
`
`or
`
`the evidentiary
`
`"found[ation
`
`for
`
`its]
`
`belief"
`
`that
`
`the patient's
`
`treated
`
`condition
`
`was
`
`unrelated
`
`to
`
`his or her
`
`automobile
`
`accident
`
`(Central
`
`Gen. Hasp.
`
`v. Chubb
`
`Group
`
`of
`
`Ins. Cos.
`
`Supra);
`
`compare,
`
`CPLR 3215,
`
`317,
`
`5015
`
`[a]
`
`[1])."
`
`Department
`
`reiterated
`
`this
`
`application
`
`of Chubb
`
`34. The Appellate
`
`Division,
`
`Second
`
`to the
`
`causation
`
`defense
`
`in Kingsbrook
`
`Jewish
`
`Med.
`
`Ctr.
`
`v. Allstate
`
`Ins. Co.,
`
`61 A.D.3d
`
`13, 871
`
`N.Y.S.:2d
`
`680,
`
`2009
`
`N.Y.
`
`App.
`
`Div.
`
`LEXIS
`
`394,
`
`2009 NY Slip Op 351.
`
`The Kingsbrook
`
`court
`
`applied
`
`the Mount
`
`Sinai
`
`decision
`
`and
`
`cited
`
`the decision
`
`as standing
`
`for
`
`the proposition
`
`that
`
`"this
`
`Court
`
`applied
`
`the Central
`
`General
`
`Hospital
`
`rationale
`
`and,
`
`in so doing,
`
`explained
`
`that
`
`the insurer
`
`asserts
`
`"exceptional
`
`exemption"
`
`must
`
`"come
`
`with
`
`proof
`
`in
`
`who
`
`entidemet
`
`to the
`
`forward
`
`admissible
`
`form to establish
`
`'the
`
`fact'
`
`or
`
`the evidentiary
`
`'found[ation
`
`for
`
`its]
`
`belief
`
`that
`
`the
`
`patient's
`
`treated
`
`condition
`
`was
`
`unrelated
`
`to his or
`
`er autombbile
`
`accident"
`
`(id.
`
`at 19-20).
`
`This
`
`Court
`
`determined
`
`that
`
`in applying
`
`Central
`
`General
`
`Hospital"the
`
`questicñ
`
`of whether
`
`an injury
`
`was
`
`entirely
`
`preexisting
`
`(i.e.,
`
`not
`
`covercd)
`
`or was
`
`in whole
`
`or
`
`in part
`
`the result
`
`of an insured
`
`accident
`
`is hybrid
`
`and
`
`cannot
`
`be resolved
`
`without
`
`to the
`
`(i.e.,
`
`covered)
`
`in nature,
`
`recourse
`
`medical
`
`facts"
`
`(id.
`
`at 19 [emphasis
`
`added]).
`
`REQUEST
`
`FOR A DECLARATORY
`
`JUDGMENT
`
`35. Plaintiff
`
`AMERICAN
`
`TRANSIT
`
`INSURANCE
`
`COMPANY
`
`filed
`
`this
`
`action
`
`requesting
`
`this Court
`
`declare
`
`that Plaintiff
`
`does
`
`not
`
`owe
`
`no-fault
`
`benefits
`
`to the claimant
`
`DEVINDER
`
`BAJWA
`
`or
`
`to any
`
`of
`
`the Medical
`
`Provider
`
`Defendants
`
`for
`
`services
`
`rendered
`
`to
`
`DEVINDER
`
`BAJWA
`
`under
`
`the insurance
`
`policy
`
`issued
`
`to DEVINDER
`
`BAJWA
`
`with
`
`policy
`
`number
`
`B714930.
`
`..
`
`.
`
`

`

`36. Plaintiff
`
`AMERICAN
`
`TRANSIT
`
`INSURANCE
`
`COMPANY
`
`has a founded
`
`belief
`
`that
`
`the
`
`services
`
`allegedly
`
`rendered
`
`were
`
`not
`
`for
`
`injuries
`
`sustained
`
`as the result
`
`of a covered
`
`event.
`
`(See
`
`attached
`
`Affidavit
`
`of Merit,
`
`Exhibit
`
`A)
`
`37. Plaintiff
`
`AMERICAN
`
`TRANSIT
`
`INSURANCE
`
`COMPANY
`
`properly
`
`denied
`
`all
`
`no-fault
`
`coverage
`
`based
`
`on the results
`
`of Plaintiff's
`
`investigation.
`
`38. The Defaulting
`
`Defendants
`
`have
`
`not
`
`appeared
`
`or Answered
`
`in this
`
`action
`
`and,
`
`therefore,
`
`have
`
`admitted
`
`the truth
`
`of
`
`the
`
`allegations
`
`regarding
`
`Plaintiff's
`
`investigation
`
`and
`
`the
`
`founded
`
`belief
`
`that
`
`the services
`
`allegedly
`
`readered
`
`were
`
`not
`
`for
`
`injuries
`
`o=*
`
`a as the result
`
`of a
`
`covered
`
`event.
`
`39. Plaintiff
`
`is entitled
`
`to a declaration
`
`that
`
`there
`
`is no coverage
`
`for
`
`any
`
`and
`
`all
`
`first-
`
`party
`
`benefits
`
`claimed
`
`DEVINDER
`
`BAJWA
`
`and
`
`all Medical
`
`Provider
`
`by Defendant
`
`and any
`
`Defendants
`
`under
`
`the
`
`insurance
`
`policy
`
`issued
`
`to DEVINDER
`
`BAJWA
`
`with
`
`policy
`
`number
`
`B714930
`
`for
`
`the motor
`
`vehicle
`
`accident
`
`that
`
`accurred
`
`on 3/13/19.
`
`THE DEFAULT
`
`40. CPLR §3215(a)
`
`provides
`
`that
`
`"[w]hen
`
`a defendant
`
`has
`
`failed
`
`to appear,
`
`plead
`
`or
`
`proceed
`
`to trial
`
`of an action
`
`reached
`
`and
`
`called
`
`for
`
`trial,
`
`or when
`
`the court
`
`orders
`
`a dismissal
`
`for
`
`any
`
`other
`
`neglect
`
`to proceed,
`
`the plaintiff
`
`may
`
`seek
`
`a default
`
`judgmeñt
`
`against
`
`him...."
`
`41. CPLR §3215(a)
`
`requires
`
`the application
`
`for
`
`the default
`
`judgment
`
`be filed
`
`within
`
`one year
`
`of
`
`the default.
`
`42. All
`
`Defêñdâñts
`
`were
`
`properly
`
`served
`
`with
`
`the Summons
`
`and Complaint
`
`as
`
`follows:
`
`a)
`
`ACU NEEDLE
`
`ACUPUNCTURE,
`
`PC was
`
`served
`
`by BCL
`
`306
`
`(domestic
`
`corp
`
`or
`
`authorized)
`
`on 3/17/20
`
`(see Affidavit
`
`of Service
`
`attached
`
`as Exhibit
`
`B),
`
`

`

`b) ADVANCED
`
`MEDICAL
`
`CONCEPTS,
`
`PC was
`
`served
`
`by BCL
`
`306
`
`(domestic
`
`corp
`
`or
`
`authorized)
`
`on 3/17/20
`
`(see Affidavit
`
`of Service
`
`attached
`
`as Exhibit
`
`B),
`
`ARON
`
`c)
`
`ROVNER,
`
`M.D.,
`
`PLLC was
`
`served
`
`by LLC Law 303
`
`on 3/17/20
`
`(see Affidavit
`
`of
`
`Service
`
`attached
`
`as Exhibit
`
`B),
`
`ASC OF ROCKAWAY
`
`BEACH
`
`was
`
`served
`
`by Personal
`
`Service
`
`on 6/15/20
`
`(see
`
`Affidavit
`
`of Service
`
`attached
`
`as Exhibit
`
`B),
`
`BIG APPLE MED EQUIPMENT
`
`INC.
`
`was
`
`served
`
`by BCL
`
`306
`
`(domestic
`
`corp
`
`or
`
`authorized)
`
`on 3/17/20
`
`(see Affidavit
`
`of Service
`
`attached
`
`as Fxhibit
`
`B),
`
`CUSTOM
`
`RX PHARMACY
`
`LLC was
`
`served
`
`by LLC Law
`
`303
`
`on 3/17/20
`
`(see
`
`d)
`
`e)
`
`f)
`
`Affidavit
`
`of Service
`
`attached
`
`as Exhibit
`
`B),
`
`g) DOS MANOS
`
`CHIROPRACTIC
`
`PC was
`
`served
`
`by BCL
`
`306
`
`(domestic
`
`corp
`
`or
`
`on 3/17/20
`
`(see Affidavit
`
`attached
`
`as Exhibit
`
`authorized)
`
`of Service
`
`B),
`
`EMPIRE
`
`CITY
`
`LABORATORIES
`
`h)
`
`was
`
`served
`
`by BCL
`
`306
`
`(domestic
`
`corp
`
`or
`
`authorized)
`
`on 3/17/20
`
`(see Affidavit
`
`of Service
`
`sitached
`
`as Exhibit
`
`B),
`
`i) GARA M:EDICAL
`
`CARE
`
`PC was
`
`served
`
`by BCL
`
`306
`
`(domestic
`
`corp
`
`or authorized)
`
`on
`
`3/17/20
`
`(see Affidavit
`
`of Service
`
`attached
`
`as Exhibit
`
`B),
`
`j)
`
`HEALTHWISE
`
`MEDICAL
`
`ASSOCIATES
`
`PC was
`
`served
`
`by BCL
`
`306
`
`(domestic
`
`corp
`
`or authorized)
`
`on 3/17/20
`
`(see Affidavit
`
`of Service
`
`attached
`
`as Exhibit
`
`B),
`
`k)
`
`HILLSIDIB
`
`FAMILY
`
`CHIROPRACTIC
`
`PC was
`
`served
`
`by BCL
`
`306
`
`(domestic
`
`corp
`
`or
`
`âüthorized)
`
`on 3/17/20
`
`(see Affidavit
`
`of Service
`
`attached
`
`as Exhibit
`
`B),
`
`1)
`
`JA PHYSICAL
`
`THERAPY
`
`PC was
`
`served
`
`by BCL
`
`306
`
`(domestic
`
`corp
`
`or authorized)
`
`on
`
`3/17/20
`
`(see Affidavit
`
`of Service
`
`attached
`
`as Exhibit
`
`B),
`
`

`

`m) MOLNAR
`
`MEDICAL
`
`SERVICES
`
`PC was
`
`served
`
`by BCL
`
`307
`
`(foreign
`
`corp)
`
`on 3/17/20
`
`(see Affidavit
`
`of Service
`
`attached
`
`as Exhibit
`
`B),
`
`n) NYC CARE
`
`CHIROPRACTIC
`
`P.C was
`
`served
`
`by BCL
`
`306
`
`(demesde
`
`corp
`
`or
`
`authorized)
`
`on 3/17/20
`
`(see Affidavit
`
`of Service
`
`attached
`
`as Fxhibit
`
`B),
`
`o) QUEENS
`
`DIAGNOSTIC
`
`RADIOLOGY
`
`PC was
`
`served
`
`by BCL
`
`306
`
`(domestic
`
`corp
`
`or
`
`authorized)
`
`on 3/17/20
`
`(see Affidavit
`
`of Service
`
`attached
`
`as Exhibit
`
`B),
`
`RELIABLE
`
`ONE SERVICES
`
`INC
`
`was
`
`served
`
`by BCL
`
`306
`
`(demestic
`
`corp
`
`or
`
`authorized)
`
`on 3/17/20
`
`(see Affidavit
`
`of Service
`
`attached
`
`as Exhibit
`
`B),
`
`SEDATION
`
`VACATION
`
`PERIOP
`
`MED PLLC was
`
`served
`
`by LLC Law
`
`303
`
`on 3/17/20
`
`(see Affidavit
`
`of Service
`
`attached
`
`as Exhibit
`
`B),
`
`SKYLINE
`
`PHYSICAL
`
`THERAPY
`
`PC was
`
`served
`
`by BCL
`
`307
`
`(foreign
`
`corp)
`
`on 3/17/20
`
`p)
`
`q)
`
`r)
`
`(see Affidavit
`
`of Service
`
`attached
`
`as Exhibit
`
`B),
`
`s) UNION
`
`DME CORP was
`
`served
`
`by BCL
`
`306
`
`(domestic
`
`corp
`
`or authorized)
`
`on 3/17/20
`
`(see Affidavit
`
`of Service
`
`attached
`
`as Exhibit
`
`B),
`
`t) WELLNESS
`
`PHYSICAL
`
`THERAPY
`
`REHABILITATION
`
`PLLC was
`
`served
`
`by LLC
`
`Law
`
`303
`
`on 3/17/20
`
`(see Affidavit
`
`of Service
`
`attached
`
`as Exhibit
`
`B),
`
`u) WENDELL
`
`JOSEPH
`
`GORUM MD was
`
`served
`
`by Personal
`
`Service
`
`on 9/22/20
`
`(see
`
`Affidavit
`
`of Service
`
`attached
`
`as Exhibit
`
`B),
`
`v) WOODHAVEN
`
`CHEMIST
`
`CORP was
`
`served
`
`by BCL
`
`306
`
`(demestic
`
`corp
`
`or
`
`authorized)
`
`on 3/17/20
`
`(see Affidavit
`
`of Service
`
`attached
`
`as Exhibit
`
`B),
`
`43. The within
`
`application
`
`is being
`
`filed
`
`with
`
`one year
`
`of
`
`the
`
`default.
`
`44. Service
`
`of an additional
`
`copy
`
`of
`
`the Summons
`
`was
`
`properly
`
`made
`
`pursuant
`
`to
`
`CPLR
`
`§3215,
`
`BCL
`
`§306,
`
`BCL
`
`§307,
`
`LLC Law
`
`§303
`
`and LLC Law
`
`§304,
`
`where
`
`applicable.
`
`(see
`
`

`

`Affidavits
`
`of Service
`
`with
`
`proof
`
`of 2nd
`
`T?lEng
`
`and/or
`
`separate
`
`Affidavit
`
`of 2nd
`
`Mailing
`
`attached
`
`as Exhibit
`
`B)
`
`45. None
`
`of
`
`the Defaulting
`
`Defendants
`
`have
`
`appeared
`
`or answered.
`
`The
`
`time
`
`set
`
`forth
`
`by
`
`law to appear
`
`and
`
`answer
`
`has expired
`
`and has not
`
`been
`
`extended
`
`through
`
`the date
`
`of
`
`this
`
`affirmation
`
`the Court
`
`by
`
`or by
`
`stipulation
`
`amongst
`
`the parties.
`
`WHEREFORE,
`coverage
`for
`Defendants
`B714930
`
`Defaulting
`
`a declaratory
`requests
`Plaintiff
`respectfully
`DEVINDER
`benefits
`by Defendant
`claimed
`to DEVINDER
`under
`the insurance
`issued
`policy
`the motor
`accident
`that
`for
`vehicle
`occurred
`on 3/13/19,
`Defendants
`together
`with
`costs
`and disburesements.
`
`that
`judgineñt
`there
`BAJWA
`and Medical
`BAJWA
`with
`be granted
`
`is no no-fault
`Provider
`number
`against
`
`policy
`on default
`
`the
`
`Dated:
`
`New York,
`Sun November
`
`New York
`2020
`22,
`
`Yours
`
`tc
`
`.
`
`.
`
`..-
`
`By:
`Lar
`Att
`
`illi
`in F
`rneys
`
`ki
`11 LL
`or PI
`
`, Esq.
`
`ntiff
`
`Floor
`
`0 Broadwa
`
`12
`Ne
`York,
`: (21
`Pho
`File No.:
`3218
`
`, 36th
`10001
`888-5807
`
`TO:
`ADVANCED
`
`MEDICAL
`
`CONCEPTS,
`
`PC,
`
`80-55
`
`TRYON
`
`PLACE,
`
`JAMAICA,
`
`NY 11432
`
`ARON ROVNER,
`11694
`
`M.D.,
`
`PLLC,
`
`105-20
`
`ROCKAWAY
`
`BEACH
`
`BLVD,
`
`ROCKAWAY,
`
`NY
`
`ASC OF ROCKAWAY
`11530
`
`BEACH,
`
`100 GARDEN
`
`CITY
`
`PL SUITE
`
`500, GARDEN
`
`CITY,
`
`NY
`
`CUSTOM
`
`RX PHARMACY
`
`LLC,
`
`102-03A
`
`QUEENS
`
`BLVD,
`
`FOREST
`
`HILLS,
`
`NY 11375
`
`GARA MEDICAL
`
`CARE
`
`PC,
`
`44 DOCKSIDE
`
`LANE,
`
`STATEN
`
`ISLAND,
`
`NY 10308
`
`HEALTHWISE
`
`MEDICAL
`
`ASSOCIATES
`
`PC,
`
`401 E 34TH
`
`ST, NEW YORK,
`
`NY 10016
`
`

`

`HILLSIDE
`
`FAMILY
`
`CHIROPRACTIC
`
`PC,
`
`185 MARCY
`
`AVENUE,
`
`BROOKLYN,
`
`NY 11211
`
`JA PHYSICAL
`
`THERAPY
`
`PC,
`
`2851 CROPSEY
`
`AVE
`
`STE
`
`#111,
`
`BROOKLYN,
`
`NY 11214
`
`MOLNAR
`
`MEDICAL
`
`SERVICES
`
`PC,
`
`97-01
`
`l 01ST
`
`AVE,
`
`OZONE
`
`PARK,
`
`NY 11417
`
`NYC CARE
`
`CHIROPRACTIC
`
`P.C,
`
`97-01
`
`101ST
`
`AVE,
`
`OZONE
`
`PARK,
`
`NY 11417
`
`QUEENS
`ROSEDALE,
`
`DIAGNOSTIC
`NY 11422
`
`RADIOLOGY
`
`PC,
`
`253-02
`
`ROCKAWAY
`
`BLVD
`
`STE B,
`
`RELIABLE
`
`ONE SERVICES
`
`INC,
`
`5614A
`
`VAN HORN STREET,
`
`ELMHURST,
`
`NY 11373
`
`VACATION
`
`SEDATION
`11205
`
`PERIOP
`
`MED PLLC,
`
`894 BEDFORD
`
`AVE,
`
`BROOKLYN,
`
`NY
`
`SKYLINE
`
`PHYSICAL
`
`THERAPY
`
`PC,
`
`2266 BATH
`
`AVE
`
`BOX
`
`106, BROOKLYN,
`
`NY 11214
`
`WELLNESS
`BROOKLYN,
`
`PHYSICAL
`NY 11230
`
`THERAPY
`
`REHABILITATION
`
`PLLC,
`
`1820 AVENUE M #699,
`
`WENDrELL
`MEADOW,
`
`JOSEPH
`NY 11367
`
`GORUM MD,
`
`162-16
`
`UNION
`
`TURNPIKE
`
`SUITE
`
`202, FRESH
`
`WOODHAVEN
`
`CHEMIST
`
`CORP,
`
`86-22
`
`JAMAICA
`
`AVE, WOODHAVEN,
`
`NY 11421
`
`THE SIGALOV
`11501
`
`FIRM,
`
`PLLC,
`
`200 OLD COUNTRY
`
`ROAD,
`
`SUITE
`
`265, MINEOLA,
`
`NY
`
`THE LAW OFFICES
`ROCKVILLE
`CENTER,
`
`OF GABRIEL
`NY 11570
`
`& MOROFF,
`
`PC,
`
`2 LINCOLN
`
`AVENUE,
`
`4TH FLOOR,
`
`

`

`
`
`A
`EXHIBIT
`EXHIBIT A
`
`
`
`WITH
`AFFIDAVIT OF MERIT WITH EXHIBITS
`AFFIDAVIT
`OF MERIT
`EXHIBITS
`
`EXHIBIT A
`
`EXHIBIT
`
`A
`
`

`

`SUPREME
`COUNTY
`-..
`AMERICAN
`
`COURT OF THE STATE
`OF NEW YORK
`------------------------
`
`TRANSIT
`
`INSURANCE
`
`OF NEW YORK
`
`-------X
`COMPANY,
`
`AFFIDAVIT
`
`OF MERIT
`
`Plaintiff(s),
`
`Index
`
`#: 152521/2020
`
`Against
`
`PC, ADVANCED
`ACU NEEDLE
`ACUPUNCTURE,
`MEDICAL
`PC, ARON ROVNER,
`CONCEPTS,
`M.D.,
`ASC OF ROCKAWAY
`BIG APPLE
`BEACH,
`PLLC,
`M)ED EQUIPMENT
`CUSTOM
`RX PHARMACY
`INC.,
`DOS MANOS
`CHIROPRACTIC
`PC, EMPIRE
`LLC,
`GARA MEDICAL
`CARE PC,
`LABORATORIES,
`HEALTHWISE
`MEDICAL
`PC, HILLSIDE
`ASSOCIATES
`FAMILY
`CHIROPRACTIC
`JA PHYSICAL
`PC,
`PC, MOLNAR MEDICAL
`THERAPY
`SERVICES
`NYC CARE
`P,C, QUEENS
`CHIROPRACTIC
`ONE
`RADIOLOGY
`PC, RELIABLE
`DIAGNOSTIC
`PERIOP MED
`VACATION
`SEDATION
`SERVICES
`INC,
`THERAPY
`PC, UNION
`SKYLINE
`PHYSICAL
`PLLC,
`DME CORP, WELLNESS
`THERAPY
`PHYSICAL
`PLLC, WENDELL
`JOSEPH
`REHABILITATION
`GORUM MD and WOODHAVEN
`CHEMIST
`
`CITY
`
`PC,
`
`CORP,
`
`-_____.------
`...._____
`STATE OP NEW YORK:
`
`COUNTY
`
`OF KINGS:
`
`SS:
`
`Defendants.
`
`.
`
`--------X
`
`URl)EL
`
`MCLEISH,
`
`being
`
`duly
`
`sworn
`
`deposes
`
`and
`
`says:
`
`1.
`
`I am URIEL
`
`MCLEISH,
`
`a claim representative
`
`with
`
`the Plaintiff,
`
`American
`
`Transit
`
`Insurance
`
`Company
`
`(herein
`
`"ATIC").
`
`2.
`
`I submit
`
`this
`
`affidavit
`
`in support
`
`of ATIC's
`
`instant
`
`application
`
`for a judgment
`
`on
`
`default.
`
`3.
`
`I am familiar
`
`with
`
`the ordinary,
`
`customary
`
`and rmh
`
`business
`
`practices
`
`of
`
`ATIC.
`
`I have
`
`been
`
`assigned
`
`the file
`
`at
`
`issue
`
`in this