Chong-Sam Kim v Camel Corp.

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Chong-Sam Kim v Camel Corp. 2013 NY Slip Op 34042(U) May 17, 2013 Supreme Court, Queens County Docket Number: 26980/10 Judge: Rudolph E. Greco Cases posted with a "30000" identifier, i.e., 2013 NY Slip Op 30001(U), are republished from various state and local government websites. These include the New York State Unified Court System's E-Courts Service, and the Bronx County Clerk's office. This opinion is uncorrected and not selected for official publication. [* 1] ortiCft of th• JU.ohmood County ClRrk - P•ge 121 .. .- of 133 • /27/2016 10:55:59 AK .. • .................................................................................. Slu>rt fo rftt Ordu Nf"W YORK Sl'PRJ 'II COt:R r . QUE!.'' Ull .'I I\ f'T'!'jmr: 110'\0ll.AHU Hudutrh I C.r....,i.h._ Ju,U~< - CllONG-:>1\ \1 l<JM, I~ -· 1'111111111, l._rt 11 :JG q 'i'O/!o lndot ~unib<r ~I 0 Mouon Dme I cbruary 21, 2'•1 l M«ion Cal lw 19 & 'l(J \kl<1n Se.I No I a; l · ..l)tllMl · CAMU.CORrd/ba CAl\IEI. R£STAllR.\ST, Yl.IN II 1<'11\1 and •JOUN DOE". 1 ll.il110111 Dllllle for an unkao-a pt'null kno'"" It• t•UI. llrrrndHL F r' E 0 "4\Y2 ~ ~ui3 OOUNTY Cl.EiV< 0Ut04SCWtnY • 1~1UU1 - RCA INSUrv\NCt: GRlllil' •nd NA 1IONAL SPECl ,\I t \ IN~URA.'\'Cl CO~ INC. The [olluwm;; J"I'<"'' n utot>c1;d I tu _.1.:1_ rc•J ur. llu• ntC'ltor by thml IJIU1)' dcfcbdslt• I\( I\ lruu.m:.c CJr:"Ut\ Jnj l\~l•~~~ul ~p.:1.1. 1lt\ 1rit11n.n<-C Cu 11'<' (coUe.:11' !' I) rrf11:nc-J tn .t\. lhi1J· .,.:tJ Otl<r,.;;.1>i. , r.)! ·-~ J•dsno.t• J ot ·l· 'h< C""'J '""llll and fur a OCdllliltU"- nc., M'VC' n ) ob:1a,..t-~ton '0 r~~ & c '-UIJI lO. d:!eJ. •w .. ~~ ckfcnd.ulw•.hi· J I',,.,. plJ1nt>fls c.n.t! l • rr • y,. H Kim. •nd JOllll ~ 1••>il«fae1~ n:~~rm.! 10 b c.l<t"<r•l.•nt• tn I"•' unJcr!vmg tdl\l<t U•ttttlt'I> alb\ plOUlUll Cho."'&·~m i...1m (pJlllnlllf); bv "4·r·••••c anw11J...·J 11c:.11cc ot mnJroq hy third-part) det'cndlnl• l'vr ttoc s.ime r~!ir:f. jud..;t'\Cf"' '1t.. 1 ••id 1-¥ Naticesof\t;lt• 11 ;\ll.°'3\llS C.•h1hllt Ar.swm"I All"id:l-iti bhoh;, 9.p l<qil\ Afl..i..,t• .•.. 14-l'i Up.in the Corcgomg p.ipc~ it" onlcr<d tha111No mooons :ITT' clt11•m11ncd ol> fJllow·r [* 2] otf~o• ot l..he Ri.ehmon.d County Clerk - P•g• 121 of 1 33 4/2?/~0l6 10:,,:$7 AM .. . . .. "'*• TI,., wldcrl~mr 8\:0w1 on this melt<' 11 for •-11 llld b•llOt) and wmmtn«d br p<21r.:1ff ap1 d<fcndanlJ wb<'> f'lsonu!T, Oft l'cbrlNIYIQ, 2010, t> • floll"lill ol lbc Camr! uOI Rnsr..nnl, ~-.. r Zl \\al lJ SL-.::1, JI :be Couft"' t>(~... Yodt...... 111)\l'<d b)' IDlllllcr p.dJ'OD ..'Int~ oa IJlc rttmue£. ?b11111tr w.noc:.:..cd IM 1:ndcrly!:~ 1p:r.i:1 l!cf~ Camel (Ofl', a lk o,.ner of the ~rn1$C· , icf....S.:~ Yu!I H ..:1...,au pn .crpiJ ofc-1 C4.11. Wld '£.1111.>1 fohn ~ 1tS 1bt 1n<f1VM1u:al ..t '·' .1.cgall• llBlLltc-J h1n1 PL11nt1ff's complconl hn allc&cd cl••rru IO< ncghg<tn..c ulll lor •oolo•rM ofGcllCT'll C.obl1~•li1•~• IA"' § 11-101{1), mort' cnmo nunly known•• 111<: Oram ~ho11 /let "'"°" Prior IQ lh•: 1llc~M 1nc;idcn1 on Pci>rouryl9, WIG. third-pJll'I)' dofonJoinl N•llonal Spcclahy JnJUl'all<C Cv, Im: (NSIC) i.ssutd ~ Commcm•l Potb(~ 1nsu1WU !'l'hC\ t~ Camel Corp. fot lht '<:rlOd lrora Jw>c IS. 2009, to Jw~ 1\ 2010, winch'"''•~ clTtct al lb• WD• of the inn~ 1 On Mly 1), WI i>. :W.cr ~'""~.cc.nee of a tla•'n ~11111 lbe pollC\ u J 1t10JJ1 of !be ".ibjcc 1n.: Jmt, ,d cftnd.n: RCA l1$11W1t~ Croo·\ ~ 11-SIC's r.:J11J •mt ¥111. denied Cl:\'l'.~ 10 Cmt:c C°'l' wllil•I •! c !'~icy ~r?.:ilm. dJi:ele•IJ ct'm~ I lllln:l·,.m} acl-api:aa lhin!-pllly ddmd:mt• for '!«l!lra\Ory J•d•m<nl rulklwlog th: lilini' of 1~11 ... ii.I mclloll for summary iu,t~mc11 """ dC'Cl1ro10ry juJcmcnt. third l"'rlY dckncJ•nl> filc,l 111 EnCnckd n..11..e of n1ol!CJU wuh t111 t1.rnl'nckd al finnalion snlc1y be-. .u...c. the~ mtnC'Xcd .i L.Up)' tl( t\"I 1n~vtn:t:t pohcy 10 ll1< 1 ni1lol mouon pap<r> Then:fon:, 11 1" <cront'I muuo11 will su~recclc lhc liri<t ~nd the c:our1'~ dcti!ion '"II b.: boa\cd ur<>o :he o11ru:ndrd n<>ll•< ul mouon and !Ji.: l"f'<"n vtric•cd lhemo Third·pi1'• d<l~ndanu !13•< """ mcvtd klr s~mma.y)Ullp>cn1 di= •J the co;n~btlll Md 1<>1 1 """tar.lo!) uci,vntn• INl dlcy !\~IC h.u no olllJpnon "' r•o •oJc W¥CftCC dcteftJ,"' 11w!t:nmf¥ dcf....:...US '" 11... underlyu:1 ar;1"'1 ~I:) rJ11n~:i O:l Ihm mouon, -~r~ t11t:nl·1*1Ytk~an:.~1,.....111cJ 1oa,01d pohc:y~. (lbc))n.,... 5Jlisl)' lh< burdtn 11 ur Utal!l!!hlnl\ 111:11 r~n, IUtllN<m< Uf cxe:n;mons lppl11.. ire pt111CUI• cas~. lUld (I 111c tubjCCI to no othci te:l'IOlllhlt in1c:1111ot.ilU1n~ (.'1t abco1tl Sur Gil/mt Co. 64 NY:!d lll<l, J 11 f 198~111nierna! CIUll•OM "1lllllcdl, Ste INWan<t Co n/Ortaltr Iv r • C'lum1>nr "'"""" ll(', &i: A03d 11611 1170 IJ\111 ~ lvJemct! I~ NV'\d 71~ IWI ll) to, rr • -(Ajr<y 1u11hg1"1) tn c;or.u;:u ~"""'' nru>t be <01utnM!d agairm the f"lllY thlll d..trrd 1..,1 !~ ,, IJ ,\' &::""" Mii; Cu In:. 10 J\ll\J t;99, 700 (200-1), UI louwt.°"'d'o tifVlt<J~r Ii Y r t:w ..Olll Al1't0f't LLC, S4 i\IJ Id al II 'IQ, H'1'ttr of£.,trtD<IJ' Im Ca •Farr.II, 31}1 A02d l'O, i l I [1001)1 pc>li<y ;l<'l)Yl!IUlft "'11.11 I.'< •aotdftl ft3 .onJ ord10..• u·~nc- 1lftd ~ plllm ~Of al\ in'\.l.Jaf.CC pnl·, y 1nay not 1"" J1:ttre:gardeJ to tinJ &:n am..,.1u1l!' "'~non-- •n f11(J p:·"1• (8nta.! Bros • U11co f'lr11 lru I .\.O~J 470. 171 p11111 1, 1' J11m.,m/J NVJd 696 (20C).tl R•· ''"" ()c, I I• , /Jurllngtu·./111 r o , k I All ti 7M. 706 (26111. l-1HJ11r' Flrt & M111 /nJ c., ' l >(•(~J) /n.1 Co 48 A03J 41•~. 407 (2008 1 1 I h:' would''"''"• •lit "f~ndlrntnlll rule: comlrutlln11 11..1. Ct>nlr•tt rnu.sl be """'trurJ ., a wtiolt lllMl cl!etl C"~'· .. 11c~r pcnnhk:, 10 all:~ pans• C_.n rn 1'1>mis • HorrfutJ 111.• Cu . 10< /\Old Ul, 7N I 19&41. , .. lt1<hntr CD'11""'111CO~r>rv ,.,. ' r,.,..,~, /r.i Co of" I ' 1' '.O'<l lt7U, •71 pn1r111 llK~11:e1" 1r "'¥'.J" _.,,,... 0 rbJn "Ho.,'"''· ""..-.t.""''"' c.., . or In 511111''"" u( llK1t mtXtn~. L'iud· part) dcfr~ I.INS na>c 1<1••'1111'""· om.>At t>l~<T lh"'14 a copy oflh< "'-.l.l'I<~ pol,t\ 11 l>SUcd to dt(«lJ• It and th< pla.llfot• Tb<y !lave orvu<J llool &he allcgth""' m lht undcrl» 1:1,; <Qmpl>inl CO:>,flMc an usault ..-.J battcl")', (Qt \\'hlth cove• [* 3] Ott~oe ot Ul• RJ.otunond County Clor~ - Page 129 or 133 4/2?/2016 10:55:s9 AM .. • .'lilS btt.:I ~ Uul. v t~dudcJ i;nJcr lhc tmn• of ihc or.surance policy and tha1 as lonf at any ·cbtcd nceJ•su-< c?ai!ns .,.,.. ,..,1 u!facto ""1"'1 c«S tut•• c1...,, for OSAUh and balla)o. ~ lut •nr r•lred rt,.1~~c cla1nu II&' •·>II btttt cxd..dtJ In grll<'r;I, "11\JUm" i; rcquu<:d 10 pro•tJc co•<tntc 10111 111-.d "lien !he ellqlliofts in Q e<>mpla}nt SUllC I <OUX Of ac;lll'>fl tti ll WOUid n:ISl'nably lJe CO>crcd Wldrr th~ ~"'hey (IH P11rpamcA ,. Am111cun l/llndtt Mowd .o, 1~ i'fV2d 61. G5 f 1991)) In tbLJ CA><, the unJcr1yin& ('.()mphunt allogcd that plain1UT"w." ~oddenly ;vnl 'lc>lently ltNC~ b• fJ'e(cnd•nt •John Doe,' wtm at the Ume w:i.• • paUon 01'' dcfcnd.1111> "Ao urh1..,un fot as:so1dt attJl<>r bl>nery orpl1ct i( DO c>u1t ot IClfiOa \\uukJ r'•~ •ou; fer" (ht> .,~wt a.ndlor ~an.t1"t" ' (.-.Ciw..Ju.rt.f ,. tf'"""'"'"SiJ~,. /,,.,,., Cu. 1: AOJd 6:S 62!'! f200f). Q"'-"'"! ~ . .,.,, """'"' F11d"J •"o vCr,,oti•~ 81> NY'l.4 ).17. '~l [19961~ I! h u."!!l<y~l<d ID li-c tt<f'rd ti.. th..c~l""I COMUtulcd " Wot~ hn winrh C0""1Jt It r•w..Jcd ~ !he ilil:>uot W bencJV c~d~~ wlc~ pnmdrJ ID pauacnl P'" tlu1 .. (nJo cow1a~c ·•provided ,,,O,r lhl\ p.ii1c7 1(the Undcrl)lfll i>pCi.Uvc fact! (Ul"•ll.l.C an llS5llult .itld/or Niie<) il?CSJl."<:tl'°" or wt!<l~r the da.m allqin tw:1hgcnl hinn&o tnu11i11e, >"J>Crviqon, 11141101 t<l<'11t"'n •aairut 1k ln<u,...J, <>t fur any ,,o..r nei?;1gcn1 "'""'"'or1hc 11\S!Jfed .. 0 11.,.,. rr ••mt•ll', 11ncl<""k-1na «>mpl•1n1 11"" allq;cd I c!a11n (OI V10Wlon ur th• Oi.m l)llap A£l. Thad-port) defend.mu have ••gucd IJJ;it to•a-.;e for rlnt <Wm liu :dso ~" ex<l..JcJ b) iM lar.p:igc oft~ rrorwon cxc:lu.iins co•mK• for ·ar.~ olhn nqhpnt 8Ction' i-f Ilk! 1.......d • ..,...,u Upon :l.c <vu11·~ read mg uf the l&JllWll< of thr and ~ c•c!uuon, 11 hu delamtncd thJ! 111< long...,~•,! the: exd11J'Un i> "'t •mltl,llOllJ and th•• •1 ocludes "°'~lot pl.&tnulfs claim ~J "I'"" the Onui. Shup Att All ci31"1< or nc~hgrnc:.. alkcrd t>v rt11nu1T rn llltund<ll)u>t """rlainl :>rJt OUI <>I • ba>:t"1) am!. th'l•, W. Ull nMr OI tloc pl>1n lanauagc o( lbe ex-ch..... ,.,.., . fill •11h1:i tltt- •ub.it:.;..t cscl...,1<W1 (•tt WSTC C.,rp " N. 1ltoftl1l ~p«1"1rv /l'lJ r·n 61 ADJd 791 . 78l f2()1,q] ' " "lar1 "'' •;,~t."1 ,:,,..,~ v Fu,, Fon Im Co • li4 .\O:J 964. "6j [2001)) FUllherm<'R ll.1$Cd upon tlw lantuJ~• WI :he 1Munancr d<'C$ no11p;il~ w .,,~ "'[i]n.1ury 111SN1jl O<ft ot' an) ....,..1 '"''I«)', fisJ!t, .tl1crn1k.n, m11Ceoduc1 or ami!Mllt(IJ<nl or 1. w:1 or viOknc•." 1hc c.chulon opvfws ~•use""""""' 1hc allq;td Mttr.ty. plil!lllil1' \lo\>Ul4 no1 l\ave nn} ca11n or n•lo1m !Uc U.S. UnJm• mtt; Int Co ' 1'u/./Jfoc C:orp • SS N\' ld 8?1, &23 p 99SJ, QR.\ 111• C•11r • Joru-Pruof l'lr. t02 AOJJ ;o& ~ 12 n J (:?OIJJ WSTC C"'P •• .\':mo-' Sf1fn•Jt> !tu l·o , 6 7 ALHJ "' 7S J. A nastam 1 • lmuicun .'iajt~V lntlrnr CJ , I: /\I>Jd a: 629) I lwrdo..•c. !med u;>o:> II r >J.r.<, &i.urJ'1<o.~ ddclldMla t:nc - - &lie>• cn11tKlllCJll to ;..ft"~'" :u ~ m.tt« ••I law i,. CSl.l'>lisluns 1'-t 111e._:1 ar.J b.:tnY ndmon " appldlr r.. the .:la1m sucr..J •t••n.st ckf<nd;nH 1n pluli.tr, 11111krl1ms corn""''"' ''t..;ini: d:il:ncbnu ' ~~ltscno;c aoo "olotion or the rm.m 'ibop Ac I t>u Manno GrJ11:1 /11. •To"'" !ttt Co o/Nr.6J/\0Jd 1012.1014\:l1l09];Sphtrt/Jrau lm Cn l'BltJtk 7106Curp 26~ AD:?d 78. XII [20001) In \lfl1>usi1Jon. plntn:1tr~1J JrfcJMl•nl1 IU\C failed 10 ,,,;.,.. • •11.abk IUU• off1t<I 1> ln lhc cxcluJtl'n·~ app!ic~1lny (•~•' MtJr1n11 Gmnil Inc v Toowr l11s C~ of/'I Y, 63 AOlJ .i 10141 [* 4] Ott~ce ot tho Ric::hMond COu.nty Clerk • P•9• 130 ot 133 4/27/2016 10:55:59 AM .. • ll•e<".Ln1>~Y, thJ·lJMIY dclc-tt • mol•on tar _..._,. rlldCJ!'O"' and 1 drd"'8'0f) Judarnent •• .,_... tn tts cn:miy lln1 niun. •lm-ef"':e. fiMI llNI ~ lhal NSIC is 1194 o.,'1DU:d •r .!:kr.d ••.J 1'1<!:::1::11fy dcfadanu u1 die widcri}q ..U... ~by ,.:..i.wr. F il.E ) HAY 2 4ZUU COU>.fl\' CIJ!Al( OUEEl<S <XllllllY >

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