Source: http://nycoveragecounsel.blogspot.com/2008/12/loss-transfer-arbitration-award-vacated.html
Timestamp: 2018-03-18 21:02:50
Document Index: 350373371

Matched Legal Cases: ['§ 5105', '§ 5105', '§ 5105', '§ 5105', '§ 5105', '§ 5105', '§ 5105', '§ 5105', '§ 5105', '§ 597', '§ 597', '§ 5105', '§ 216', '§ 60', '§ 60', '§ 65', '§ 65', '§ 65', '§ 65', '§ 65', '§ 65', '§ 65', '§ 65', '§ 65', '§ 65', '§ 65', '§ 65', '§ 65', '§ 65', '§ 65', '§ 68', 'art 25', 'art 500', '§ 29', '§ 576', '§ 2601', '§ 3001', '§ 3215', '§ 603', '§ 7503', '§ 7503', '§ 7511', '§ 6530', '§ 349', '§ 15', '§ 5', '§ 1108', '§ 2601', '§ 2610', '§ 3105', '§ 3205', '§ 3404', '§ 3407', '§ 3408', '§ 3420', '§ 3420', '§ 3420', '§ 3420', '§ 3420', '§ 3420', '§ 3420', '§ 3420', '§ 3420', '§ 3420', '§ 3425', '§ 3426', '§ 3808', '§ 5102', '§ 5102', '§ 5102', '§ 5103', '§ 5103', '§ 5104', '§ 5105', '§ 5105', '§ 5106', '§ 5106', '§ 5106', '§ 5108', '§ 5109', '§ 5202', '§ 5218', '§ 5221', '§ 184', '§ 201', '§ 305', '§ 175', '§ 2801', '§ 1192', '§ 1210', '§ 313', '§ 313', '§ 370', '§ 388', '§ 11']

Coverage Counsel: Loss Transfer Arbitration Award Vacated -- No Proof that Offending Vehicle was "Used Principally" as Livery
NO-FAULT – LOSS TRANSFER – INSURANCE LAW § 5105(A) – LIVERY VEHICLE – "USED PRINCIPALLY"
Matter of Progressive Northeastern Ins. Co. v. New York State Ins. Fund
(3rd Dept., decided 11/26/2008)
Sometimes called the "loss transfer" statute, New York Insurance Law § 5105(a) allows an auto insurer that has paid first-party no-fault benefits (or, as in this case, a workers' compensation insurer that has paid compensation benefits in lieu of first-party no-fault benefits for injuries to an insured sustained in a motor vehicle accident while working) to recover the amount paid from the insurer of the at-fault party "if at least one of the motor vehicles involved is a motor vehicle weighing more than six thousand five hundred pounds unloaded or is a motor vehicle used principally for the transportation of persons or property for hire." This case addresses the question of which insurer must prove that the at-fault vehicle was "used principally" for the transportation of persons for hire, i.e., as a livery vehicle.
Cheseboro was injured when his vehicle was struck in the rear by a 1999 Dodge minivan being driven by Redden, owned by her employer and Progressive's insured, Taddeo, and bearing livery plates registered to a 1998 Dodge minivan also owned by Taddeo. It is uncontested that on this day Redden was using the 1999 minivan bearing the livery plates to transport passengers for Taddeo's Affordable Wheelchair Transportation business.
New York State Insurance Fund (NYSIF) paid workers' compensation benefits to Cheseboro in lieu of first-party no-fault benefits and then filed for intercompany PIP loss transfer arbitration against Progressive, seeking to recover $50,000 in paid benefits. Progressive countered by arguing that Taddeo's 1999 minivan was her personal vehicle and not used primarily for the transportation of persons or property, as required by Insurance Law § 5105(a). After limited documentary evidence was submitted, the arbitrator determined that NYSIF was entitled to reimbursement from Progressive. Progressive then commenced this special proceeding to vacate the arbitration award, which Albany Supreme denied, and Progressive appealed.
In REVERSING Supreme Court's order and granting Progressive's petition, vacating the arbitration award, the Third Department held that NYSIF had but did not carry its burden of proving the "principal use" of the 1999 minivan involved in the accident -- not just on the accident date in question, but in general:
As relevant here, Insurance Law § 5105 (a) provides that an insurer liable for first party benefits or a workers' compensation carrier that pays benefits in lieu of first party benefits, which another insurer would otherwise be obligated to pay but for the No-Fault Law, has a right to recover "only if at least one of the motor vehicles involved [weighs] more than [6,500 pounds] unloaded or is . . . used principally for the transportation of persons or property for hire" (emphases added). The latter alternate requirements have been recognized to be "condition[s] precedent to ultimate recovery" (Matter of Progressive Cas. Ins. Co. v New York State Ins. Fund, 47 AD3d 633, 634 [2008]), and were added by amendment in 1977 "to limit the right of insurance carriers to recover first-party payments" (Matter of State Farm Mut. Auto. Ins. Co. v Aetna Cas. & Sur. Co., 132 AD2d 930, 931 [1987], affd 71 NY2d 1013 [1988]). Respondent, as the applicant seeking reimbursement, bore the burden of proof to show entitlement to recover benefits paid [FN3] (see e.g. Matter of Hanover Ins. Co. v State Farm Mut. Auto. Ins. Co., 226 AD2d 533, 534 [1996]; Matter of Eveready Ins. Co. v Lumberman's Mut. Cas. Co., 201 AD2d 649, 649 [1994]; Republic Claims Serv. Co. v Allstate Ins. Co., 160 AD2d 925, 926 [1990]). Insurance Law § 5105 (b) "provides that mandatory arbitration is the sole remedy regarding disputes between insurers over responsibility for payment of first-party benefits" (State Farm Mut. Auto. Ins. Co. v Nationwide Mutual Ins. Co., 150 AD2d 976, 977 [1989]).
Here, the record is devoid of evidence establishing the "principal use" of the passenger vehicle insured by petitioner. No proof established when the livery plates were put on the passenger vehicle, or if this plate-switching or use of the passenger vehicle to transport persons or property for hire occurred on any occasions other than the date of the accident, i.e., if it was Taddeo's or Redden's practice to use this passenger vehicle "for hire." Petitioner did not submit an affidavit from its insured and none of the documentary evidence established that the "principal use" of the vehicle it insured was other than its registered status as a passenger vehicle (compare Victoria Ins. Co. v Utica Mutual Ins. Co., 8 AD3d 87, 87 [2004]), i.e., the only evidence is that on the day of this accident, the passenger vehicle was being used "for hire," bearing livery plates from another vehicle.
Where, as here, the parties are obligated by statutory mandate to submit their dispute to arbitration (see Insurance Law § 5105 [b]), the arbitrator's determination is subject to "closer judicial scrutiny" than with voluntary arbitration (Matter of Motor Veh. Acc. Indem. Corp. v Aetna Cas. & Sur. Co., 89 NY2d 214, 223 [1996]). "To be upheld, an award in a compulsory arbitration proceeding must have evidentiary support and cannot be arbitrary and capricious" (id. [citations omitted]; see Matter of Utica Mut. Ins. Co. Selective Ins. Co. of Am., 27 AD3d 990, 992 [2006]). On this record, there is no evidentiary support or rational basis for the arbitrator's determination that petitioner's insured passenger vehicle was used "principally . . . for hire" as required for respondent to obtain reimbursement under Insurance Law § 5105 (a) (see Matter of Progressive Casualty Ins. Co. v New York State Ins. Fund, 47 AD3d at 634; Matter of Allstate v American Arb. Assn., 26 AD3d 374, 374 [2006]; Matter of Kemper Ins. Co. v Westport Ins. Co., 9 AD3d 431, 432 [2004]). To the extent that the arbitrator granted respondent's application based upon its finding that petitioner's insured passenger vehicle was "at the time" being used as a vehicle for hire, such a conclusion is inadequate to support the award and is "in disregard of the standard prescribed by the legislature" (Mount St. Mary's Hosp. Niagara Falls v Catherwood, 26 NY2d 493, 506 [1970]), i.e., that one of the vehicles be used "principally . . . for hire" (Insurance Law § 5105[a][emphasis added]). The arbitration award should, therefore, be vacated.
Footnote 3 is worth a look. The Third Department stated: "We do not agree with the arbitrator's conclusion that petitioner's position, that its insured vehicle was not used 'principally...for hire,' is an affirmative defense. Rather, the principal use of the vehicle is a threshold part of respondent's required showing, as the applicant seeking reimbursement under Insurance Law § 5105[.]" Same rule would seem to apply for which party must prove that the offending vehicle weighed more than 6,500 pounds.
NYSIF argued that since Progressive presumably had evidence of the 1999 minivan's principal use within its possession and reach, its failure to present such evidence justified the denial of its petition to vacate the arbitration award. The Third Department found that argument to be unconvincing, noting:
Further, respondent relies heavily on petitioner's failure to produce evidence presumably within its possession or reach regarding the principal use of its insured's vehicle. However, the record does not reflect that respondent availed itself of any of the avenues for discovery, such as requesting a hearing at which witnesses could be called (see CPLR 7506 [c]), asking the arbitrator to issue subpoenas to procure documentary evidence (see CPLR 7505; see also Alexander, Practice Commentaries, McKinney's Cons Laws of NY, Book 7B, CPLR 7505, at 682-683 [1998]) or, as a last resort, applying to the court for an order directing disclosure in aid of arbitration upon a showing of extraordinary circumstances (see CPLR 3102 [c]; see also Siegel, NY Prac § 597, at 1052-1054 [4th ed]; Matter of Goldsborough v New York State Dept. of Correctional Servs., 217 AD2d 546, 547 [1995], appeal dismissed 86 NY2d 834 [1995]). While "[u]nder the CPLR, arbiters do not have the power to direct the parties to engage in disclosure proceedings" (DeSapio v Kohlmeyer, 35 NY2d 402, 406 [1974]; see Matter of Goldsborough v New York State Dept. of Correctional Servs., 217 AD2d at 547), avenues of disclosure were clearly available (see Siegel, NY Prac § 597, at 1052-1054 [4th ed]).
Posted by Roy A. Mura at 7:35 AM
Labels: Insurance Law § 5105(a), Livery Vehicle, Loss Transfer, No-Fault
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