MONTEFIORE MEDICAL CENTER v. GOVERNMENT EMPLOYEES INSURANCE COMPANY (2006)

In an action to recover no-fault medical payments under an insurance contract, the defendant appeals from an order of the Supreme Court, Nassau County (Bucaria, J.), dated September 15, 2005, which granted the plaintiff's motion for summary judgment.

ORDERED that the order is reversed, on the law, with costs, and the plaintiff's motion for summary judgment is denied.

 Contrary to the Supreme Court's determination, the defendant's request for additional verification, which followed the plaintiff's submission of an N-F5 verification, did not have to be set forth in a prescribed form (see 11 NYCRR § 65-3.5[b];  Nyack Hosp. v. Progressive Cas. Ins. Co., 296 A.D.2d 482, 483, 747 N.Y.S.2d 516).   Therefore, the additional verification request tolled the defendant's time within which to pay or deny the claim (see Insurance Law § 5106[a];  11 NYCRR § 65-3.8[a][1],[2] ) until the defendant received all of the relevant information requested (see Nyack Hosp. v. General Motors Acceptance Corp., 27 A.D.3d 96, 101, 808 N.Y.S.2d 399;  Hospital For Joint Diseases v. State Farm Mut. Auto. Ins. Co., 8 A.D.3d 533, 534, 779 N.Y.S.2d 534;  St. Vincent's Hosp. of Richmond v. American Tr. Ins. Co., 299 A.D.2d 338, 340, 750 N.Y.S.2d 98;  New York & Presbyt. Hosp. v. American Tr. Ins. Co., 287 A.D.2d 699, 700, 733 N.Y.S.2d 80).   Since the defendant sent a partial payment and denial of benefits to the plaintiff after the requested material was provided and within the applicable time period, its response to the claim was not untimely.

 Furthermore, the affidavit and documentary evidence submitted by the defendant in opposition to the plaintiff's motion for summary judgment were in admissible form, since the affiant adequately stated her basis of knowledge for the facts asserted in her affidavit and laid a proper foundation for the introduction of the documents.   Moreover, those submissions established that other medical providers were properly paid before the plaintiff (see 11 NYCRR § 65-3.15;  Nyack Hosp. v. General Motors Acceptance Corp., supra at 103, 808 N.Y.S.2d 399).   However, a triable issue of fact exists as to whether the no-fault benefits under the subject policy were exhausted, since the affidavit of the defendant's employee indicates that they were, but the payment register maintained by the defendant in the regular course of business reveals a balance of no-fault benefits in excess of the amount billed by the plaintiff.   Accordingly, determination of the issue of whether the policy limits were in fact exhausted before full payment could be made to the plaintiff must await further proceedings.

The plaintiff's remaining contentions are without merit.