10-4276-cv
Rockland Exposition, Inc. v. Great American Assurance Co.

                  UNITED STATES COURT OF APPEALS
                      FOR THE SECOND CIRCUIT

                               SUMMARY ORDER
RULINGS BY SUMMARY ORDER DO NOT HAVE PRECEDENTIAL EFFECT. CITATION TO A SUMMARY
ORDER FILED ON OR AFTER JANUARY 1, 2007, IS PERMITTED AND IS GOVERNED BY FEDERAL
RULE OF APPELLATE PROCEDURE 32.1 AND THIS COURT'S LOCAL RULE 32.1.1. WHEN CITING
A SUMMARY ORDER IN A DOCUMENT FILED WITH THIS COURT, A PARTY MUST CITE EITHER THE
FEDERAL APPENDIX OR AN ELECTRONIC DATABASE (WITH THE NOTATION "SUMMARY ORDER").
A PARTY CITING A SUMMARY ORDER MUST SERVE A COPY OF IT ON ANY PARTY NOT
REPRESENTED BY COUNSEL.

          At a stated term of the United States Court of Appeals
for the Second Circuit, held at the Daniel Patrick Moynihan
United States Courthouse, 500 Pearl Street, in the City of New
York, on the 2nd day of November, two thousand eleven.
PRESENT:
            AMALYA L. KEARSE,
            PIERRE N. LEVAL,
            DENNY CHIN,
                      Circuit Judges.

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ROCKLAND EXPOSITION, INC.,
          Plaintiff-Appellant,

                  -v.-                           10-4276-cv

GREAT AMERICAN ASSURANCE COMPANY,
          Defendant-Appellee.

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FOR PLAINTIFF-APPELLANT:             KELLY M. MORRISON, JEROLD OSHINSKY,
                                     JEAN M. DOHERTY, Jenner & Block
                                     LLP, Los Angeles, California.



FOR DEFENDANT-APPELLEE:              JEFFREY J. IMERI, Marshall,
                                     Dennehey, Warner, Coleman & Goggin,
                                     New York, New York.
            Appeal from the United States District Court for the

Southern District of New York (Karas, J.).

            UPON DUE CONSIDERATION, IT IS HEREBY ORDERED, ADJUDGED,

AND DECREED that the judgment of the district court is AFFIRMED.

            Plaintiff-appellant Rockland Exposition appeals from

the district court's judgment entered September 29, 2010,

dismissing its complaint.    The judgment was entered pursuant to a

September 29, 2010 Opinion and Order denying Rockland's motion

for partial summary judgment and granting Great American's cross-

motion for summary judgment, rejecting Rockland's demand for a

declaratory judgment that Great American is obligated to defend

Rockland in a lawsuit filed against it by the Association of

Automobile Service Providers ("AASP").   Rockland Exposition, Inc.
v. Great Am. Assurance Co., 

(S.D.N.Y. 2010).

            We assume the parties' familiarity with the underlying

facts, the procedural history of the case, and the issues on

appeal.

            We review the district court's grant of summary

judgment de novo.   See Miller v. Wolpoff & Abramson, L.L.P., 

, 300 (2d Cir.), cert. denied, 

(2003).
Summary judgment is appropriate only if "there is no genuine

dispute as to any material fact" and the moving party "is

entitled to judgment as a matter of law."    Fed. R. Civ. P. 56(a);

see Anemone v. Metro. Transp. Auth., 

, 113 (2d Cir.

2011).    In determining whether genuine issues of material fact

exist, we must "resolve all ambiguities and draw all permissible


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factual inferences in favor of the party against whom summary

judgment is sought."   Terry v. Ashcroft, 

, 137 (2d

Cir. 2003) (internal quotation marks omitted).

          We have conducted an independent review of the record

in light of these principles, and affirm the district court's

grant of summary judgment.

          The district court correctly concluded that, as a

matter of law, Rockland did not timely comply with the policy's

notice requirements.   This is true for several reasons, of which

the clearest is the following:   The policy unambiguously provided

that the insured "must . . . [i]mmediately send [the insurer]

copies of any demands, notices, summonses or legal papers

received in connection with the claim or 'suit.'"    (Section

IV(2)(c)).   It is undisputed that Rockland waited a minimum of

three months before it sent copies of the legal papers it had

received in connection with AASP's suit to either Marshall &

Sterling, its insurance broker, or to Great American.    As a

matter of law, this three-month delay did not comply with the

requirement to send the papers "immediately."    See Mighty
Midgets, Inc. v. Centennial Ins. Co., 

, 19 (1979)

(explaining that "immediate" is a stricter requirement than "as

soon as practicable"); Am. Ins. Co. v. Fairchild Indus., Inc., 

, 440 (2d Cir. 1995) (noting that under New York law,




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"delays for one or two months are routinely held" to violate the

requirement that notice be given as soon as practicable).1

                         FOR THE COURT:
                         CATHERINE O'HAGAN WOLFE, CLERK




     1
          In July 2008, New York Insurance Law § 3420 was amended
to prohibit insurers from denying claims as untimely unless the
failure to provide timely notice prejudiced the insurer. N.Y.
Ins. Law § 3420(a)(5). This provision, however, only applies to
policies issued after January 17, 2009. See 2008 N.Y. Sess. Laws
388 (McKinney). It is undisputed that Rockland's policy was
issued before that date.

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