Soshnick v. GEICO Gen. Ins. Co.

213 A.D.3d 965

182 N.Y.S.3d 654 (Mem)

Evan Z. SOSHNICK, appellant,

v.GEICO GENERAL INSURANCE COMPANY, respondent.

2020–04771

Index No. 615474/19

Supreme Court, Appellate Division, Second Department, New York.

Argued—November 17, 2022

February 22, 2023

Michael L. Soshnick, Mineola, NY (John Lawrence of counsel), for appellant.

Montfort, Healy, McGuire & Salley LLP, Garden City, NY (John W. Hoefling of counsel), for respondent.

COLLEEN D. DUFFY, J.P., CHERYL E. CHAMBERS, JOSEPH J. MALTESE, PAUL WOOTEN, JJ.

DECISION & ORDER

In an action, inter alia, in effect, for a judgment declaring that the defendant is obligated to provide supplemental uninsured motorist benefits to the plaintiff pursuant to an automobile insurance policy, the plaintiff appeals from an order of the Supreme Court, Nassau County (Jack L. Libert, J.), entered May 7, 2020. The order granted the defendant's converted motion for summary judgment declaring that the defendant is not obligated to provide supplemental uninsured motorist benefits to the plaintiff.

ORDERED that the order is affirmed, with costs, and the matter is remitted to the Supreme Court, Nassau County, for the entry of a judgment, inter alia, declaring that the defendant is not obligated to provide supplemental uninsured motorist benefits to the plaintiff.

On July 1, 2017, the plaintiff allegedly was injured when a vehicle he was driving was struck by another vehicle in Queens. In November 2018, the plaintiff commenced an action to recover damages for personal injuries against the driver and the owner of the other vehicle (hereinafter the underlying action). In January 2019, the plaintiff notified his insurer, the defendant, GEICO General Insurance Company (hereinafter GEICO), of a claim for supplemental uninsured motorist (hereinafter SUM) benefits pursuant to his automobile insurance policy (hereinafter the subject policy). In a letter dated June 4, 2019, the plaintiff notified GEICO that the underlying action had been settled for the policy limit of the insurer for the defendants in that action. GEICO then disclaimed coverage on the ground that the plaintiff had settled the underlying action without GEICO's consent as required under the subject policy.

In November 2019, the plaintiff commenced this action against GEICO, inter alia, in effect, for a judgment declaring that GEICO is obligated to provide SUM benefits to him. Thereafter, GEICO moved pursuant to CPLR 3211(a) to dismiss the complaint and for a judgment declaring that it is not obligated to provide SUM benefits to the plaintiff. In an order entered May 7, 2020, the Supreme Court, upon converting the defendant's motion to a motion for summary judgment declaring that the defendant is not obligated to provide SUM benefits to the plaintiff, granted the defendant's motion. The plaintiff appeals.

"When an insured settles with a tortfeasor in violation of a condition requiring his or her insurer's written consent to settle, and fails to preserve the insurer's subrogation rights, the insurer is prejudiced, and the insured is...