IN RE: AMERICAN FAMILY MUTUAL INSURANCE COMPANY (2024)

Order, Supreme Court, New York County (Arthur F. Engoron, J.), entered July 21, 2023, which granted petitioner's application to stay arbitration of respondent's claim for uninsured motorist benefits, unanimously affirmed, without costs.

In support of its application, petitioner submitted a recorded statement in which respondent stated that, as he was driving home on the Henry Hudson Parkway after playing in a basketball game, the front left tire and rim came off the car.  He pulled over in the left lane of the road, got out of the car, and called his coach to come “take him up.”  While he was standing a few feet in front of the car waiting for his coach to pick him up, a Mercedes struck the car, which in turn struck respondent, sending him flying.

The supplementary underinsured motorist (SUM) insurance provision of petitioner's policy provided coverage for an insured, a relative of the insured or a person “occupying” the car.  Respondent was neither an insured nor a relative of an insured.  The court properly determined that petitioner established, based on his recorded statement, that respondent was not occupying the car at the time of the accident because he had no intention of resuming his immediate trip in the car, but instead intended to continue his journey in his coach's car (see Matter of Rice v. Allstate Ins. Co., 32 N.Y.2d 6, 11 [1973]).  He thus had “severed [his] connection” with the car at the time of the accident and was not “occupying” it for purposes of coverage under the SUM endorsement (id.).

Respondent waived any objection to consideration of the unsigned transcript of the recorded statement by failing to raise a timely hearsay objection (see Shinn v. Catanzaro, 1 AD3d 195, 198 [1st Dept 2003]).  Moreover, he affirmatively relied on the transcript in arguing that he was occupying the car and did not submit any other evidence sufficient to raise an issue of fact concerning his status.

We have considered respondent's remaining arguments and find them unavailing.