48 A.D.2d 838 | N.Y. App. Div. | 1975
In a proceeding by respondent Boston Old Colony Insurance Company to stay arbitration sought by respondents Manning upon a claim on the uninsured motorist endorsement of an automobile insurance policy, in which proceeding appellant, Allstate Insurance Company, the insurer of the motor vehicle in question, was added as a party, the appeal is from an order of the Supreme Court, Nassau County, entered September 24, 1974 and made after a nonjury trial, which granted the stay and directed the claimants to proceed against the owner and operator of the vehicle in question. Proceeding remanded to Special Term for a determination, after a hearing if one is necessary for the purpose, of whether the owner of the vehicle denies receipt of Allstate’s notice of cancellation, and appeal held in abeyance in the interim. The claimants, the Mannings, commenced an action against both the owner and the operator of a motor vehicle to recover damages inter alia for personal injuries sustained by claimant Catherine G. Manning while a passenger in the vehicle when it became involved in a one-car collision. Allstate denied that the vehicle was insured by it and disclaimed liability, on the ground that its insurance policy had been canceled two days prior to the accident, by timely mailing of a notice of cancellation to the insured. The claimants gave notice to their own automobile insurer, respondent Boston Old Colony, of their intention to claim under the uninsured motorist endorsement of their policy. Boston Old Colony then brought this proceeding, contending that there was insufficient proof of the cancellation by Allstate. A trial ensued upon "the preliminary issue as to the validity of the disclaimer.” After such trial, Special Term held that Allstate’s proof of mailing was insufficient to raise the presumption of delivery. The affidavit of mailing, by appellant’s witness Redican, reads that she was in charge of the handling of insurance policy cancellation notices preparatory to mailing and in charge of the mailing of such notices, that a cancellation correctly addressed to each person or firm on the record-of-mailing-list for the date of the mailing in question (the list consisted of 97 sheets of names, with up to 20 names per sheet) was inserted in a window envelope, that each such envelope was sealed, that the required amount of postage was affixed thereto, and that each such notice was mailed on that mailing date. Miss Redican’s testimony was, however, that she presumed