Egor and Mango Secure Favorable Order for Insurance Carrier

Glenn Egor and Chris Mango secure a favorable order in a “rate jumper” declaratory judgment action declaring that our insurance carrier client is not obligated to provide coverage for first party benefits because the policy address in Newburgh, NY, was fraudulent. The client, through its investigation and testimony, was able to show that the policyholder actually resided in the Bronx and thereby improperly procured a policy of insurance by knowingly submitting an application containing material misrepresentations of fact to induce the insurer to issue an insurance policy for a significantly lower premium than it otherwise would have.

The insurance carrier presented evidence that demonstrated: (1) the Insured Vehicle was insured under a Newburgh NY address for the sole purpose of reducing the premium when the insured was actually resided in and garaged the Insured Vehicle at a Bronx, NY, address; (2) the policyholder likely never resided at the Newburgh, NY, address and may have never even been to that address; (3) the insured’s New York drivers’ license and the police incident report associated with the accident both listed the Bronx, NY, address as his home address rather than the Newburgh, NY, address; (4) the insured underwent almost all of her medical treatment in the Bronx and (5) the Insured Vehicle was repaired in the Bronx.

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