IN RE: CONTINENTAL INSURANCE COMPANY (2004)

In a proceeding pursuant to CPLR article 75 to permanently stay arbitration of an underinsured motorist claim, Genevieve Marshall appeals from a judgment of the Supreme Court, Suffolk County (Henry, J.), entered September 26, 2003, which granted the petition.

ORDERED that the judgment is affirmed, with costs.

 Where, as here, the insured is required to provide notice of an underinsurance claim “[a]s soon as practicable” (11 NYCRR 60-2.3[f], condition 2), the triggering event is when the insured “knew or should reasonably have known” that the motorist involved in the accident was underinsured (Matter of Metropolitan Prop. & Cas. Ins. Co. v. Mancuso, 93 N.Y.2d 487, 495, 693 N.Y.S.2d 81, 715 N.E.2d 107;  see Matter of Nationwide Mut. Ins. Co. v. DiGregorio, 294 A.D.2d 579, 580, 742 N.Y.S.2d 577;  Schlesinger v. Nationwide Mut. Ins. Co., 294 A.D.2d 421, 422, 742 N.Y.S.2d 352;  Matter of Continental Ins. Co. v. Boyar, 284 A.D.2d 332, 725 N.Y.S.2d 564), and notice must be given thereafter within “a reasonable time under all the circumstances” (Matter of Interboro Mut. Indem. Ins. Co. v. Brown, 300 A.D.2d 660, 753 N.Y.S.2d 102;  see Matter of Metropolitan Prop. & Cas. Ins. Co. v. Mancuso, supra at 494, 693 N.Y.S.2d 81, 715 N.E.2d 107).

 The insured, the appellant, failed to ascertain the insurance status of the alleged tortfeasor and to notify her carrier, the respondent, of her underinsurance claim until approximately 22 months after the accident, and more than one year after first being diagnosed with, inter alia, multiple disc herniations and a pinched nerve.   Under these circumstances, the timeliness of her underinsurance claim notice was “unreasonable as a matter of law” (Matter of Metropolitan Prop. & Cas. Ins. Co. v. Mancuso, supra at 497, 693 N.Y.S.2d 81, 715 N.E.2d 107;  see also Matter of Nationwide Mut. Ins. Co. v. DiGregorio, supra ), and her failure to give timely notice vitiated coverage and warranted a permanent stay of arbitration (see e.g. Matter of State Farm Mut. Auto. Ins. Co. v. Mears, 7 A.D.3d 533, 775 N.Y.S.2d 581;   Matter of State Farm Mut. Auto. Ins. Co. v. Bombace, 5 A.D.3d 782, 773 N.Y.S.2d 575;  Matter of Eagle Ins. Co. v. Garcia, 280 A.D.2d 476, 477, 720 N.Y.S.2d 172;  Matter of Nationwide Ins. Co. v. Bietsch, 224 A.D.2d 623, 623-624, 639 N.Y.S.2d 707).

The parties' remaining contentions are without merit.