We Try Harder, Inc. v. Allcity Insurance

OPINION OF THE COURT

Diane A. Lebedeff, J.

This case presents the single issue of the effective date of coverage under an insurance policy issued pursuant to New York State’s assigned risk automobile insurance program. It is uncontested that the plaintiff was awarded a default judgment for $1,422.01 against the insured and then commenced this suit directly against the defendant insurance company as is permitted by section 167 of the Insurance Law. The dispute is limited to whether the policy became effective before or after the accident.

I

It requires a close examination of the rules governing…