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Sunfirst Federal Credit Union v. Empire Insurance

Citations: 239 A.D.2d 894; 659 N.Y.S.2d 656; 1997 N.Y. App. Div. LEXIS 6246

Court: Appellate Division of the Supreme Court of the State of New York; May 30, 1997; New York; State Appellate Court

Narrative Opinion Summary

Order reversed with costs, granting the defendant's motion for summary judgment and dismissing the complaint. The Supreme Court incorrectly denied the defendant's motion. The defendant met its initial burden by providing admissible evidence that the complaint lacked merit, demonstrating reliance on an MV-901 form signed by the plaintiff, which confirmed that the plaintiff’s security interest in the financed automobile had been satisfied. While a party opposing summary judgment can present hearsay evidence, such evidence cannot solely support a denial of the motion. The plaintiff offered only hearsay as a counter to the defendant's motion and did not provide any justification for this lack of evidence. Consequently, the plaintiff did not establish a genuine factual dispute regarding whether the defendant improperly issued the settlement check solely to Ms. Hill instead of jointly to both the plaintiff and Ms. Hill as loss payee.

Legal Issues Addressed

Burden of Proof in Demonstrating Genuine Factual Dispute

Application: The plaintiff failed to establish a genuine factual dispute necessary to oppose summary judgment due to a lack of evidence beyond hearsay.

Reasoning: The plaintiff offered only hearsay as a counter to the defendant's motion and did not provide any justification for this lack of evidence.

Proper Issuance of Settlement Checks

Application: The plaintiff did not demonstrate that there was a factual dispute regarding the improper issuance of the settlement check solely to Ms. Hill.

Reasoning: Consequently, the plaintiff did not establish a genuine factual dispute regarding whether the defendant improperly issued the settlement check solely to Ms. Hill instead of jointly to both the plaintiff and Ms. Hill as loss payee.

Summary Judgment Standards

Application: The defendant successfully met its initial burden in a summary judgment motion by providing admissible evidence showing the complaint lacked merit.

Reasoning: The defendant met its initial burden by providing admissible evidence that the complaint lacked merit, demonstrating reliance on an MV-901 form signed by the plaintiff, which confirmed that the plaintiff’s security interest in the financed automobile had been satisfied.

Use of Hearsay in Opposing Summary Judgment

Application: The plaintiff's reliance solely on hearsay evidence was insufficient to oppose the defendant's motion for summary judgment.

Reasoning: While a party opposing summary judgment can present hearsay evidence, such evidence cannot solely support a denial of the motion.