Case Name: Tracey Mercado, Appellant, v. Allstate Life Insurance Company of New York, Respondent
Court: New York Supreme Court, Appellate Division
Jurisdiction: New York
Decision Date: 1993-05-18
Citations: 193 A.D.2d 476
Docket Number: 
Parties: Tracey Mercado, Appellant, v Allstate Life Insurance Company of New York, Respondent.
Judges: 
Reporter: Appellate Division Reports
Volume: 193
Pages: 476–477

Head Matter:
Tracey Mercado, Appellant, v Allstate Life Insurance Company of New York, Respondent.
[597 NYS2d 399]

Opinion:
Order, Supreme Court, New York County (Edward J. Greenfield, J.), entered September 30, 1992, which denied plaintiff's motion to vacate the default judgment and for summary judgment on her complaint, unanimously affirmed, without costs. Appeal from order of the same court and Justice, entered September 22, 1992, which granted summary judgment in favor of defendant, upon plaintiff's default, unanimously dismissed as nonappealable, without costs.
To obtain vacatur of a judgment entered on default, the movant must show both a reasonable excuse for the default and a meritorious cause of action. (Arred Enters. Corp. v Indemnity Ins. Co., 108 AD2d 624, 626.) Plaintiff failed to demonstrate the existence of either.
We note that in this action to recover benefits due under an accidental death benefit rider, defendant established that it would not have issued the accidental death benefit rider to plaintiffs deceased husband, the insured, at the standard rate had the decedent revealed his three prior traffic violations on the application (Insurance Law § 3105 [b]; Geer v Union Mut. Life Ins. Co., 273 NY 261).
We have considered plaintiffs other contentions and find them to be without merit. Concur—Murphy, P. J., Sullivan, Rosenberger, Ross and Asch, JJ.