Letter · Insurance Law
Tender of a claim or suit to a liability insurer
A notice to a liability insurer that a claim or a suit has been made, enclosing the papers the lawyer marks. New York Insurance Law § 3420 is cited only for policies issued or delivered in New York, and only after the lawyer reads the exception in subsection (g).
- Kind
- Letter. A letter or email you adapt and send.
- Where it applies
- United States
- AI use
- Yellow You and the tool draft together, with you directing. You check every statement you rely on.
- Law stated as at
- 22 October 2026
- Status
- Maintained. Checked on 22 October 2026 against the authority it cites, for United States.
- Version
- 1
- Source
- Written for this library
When to use it
Use when an insured must tell a liability insurer about a claim or a suit. Do not use it as a proof of loss. Do not use the New York sentences for a policy that was not issued or delivered in New York.
Used for these tasks
- Review the policy wording and draft a coverage advice table
- Draft a coverage-position letter from the approved issues table
- Draft the notification of circumstances under a claims-made liability policy
Each task page says how far AI may help with the task and what the lawyer must review.
How AI may be used
AI may enclose the claim or the pleading the lawyer marks and copy the policy number from the declarations. The lawyer decides where notice must go and whether section 3420 applies.
AI may
- Attach the papers the lawyer lists and copy the policy number from the declarations
- Use the notice address printed in the policy
- Flag a New York legal conclusion on a policy that is not identified as issued or delivered in New York
AI must not
- Must not decide that the policy covers the claim
- Must not concede that notice is late
- Must not send the letter or file a declaratory judgment action
The lawyer checks
- The notice address and the policy number match the policy
- Section 3420 is used only if the lawyer decides the policy is one the section covers, after reading subsection (g)
- The letter is not a sworn proof of loss
Method: how the Green, Yellow and Red levels are decided. This is guidance for planning, not legal advice.
Read the full text
The full text is available after you log in. It is free. When you log in you can:
- read the whole precedent, with its drafting notes beside it;
- copy it, or download it as a Word file or Markdown;
- add it to your firm’s knowledge base, so colleagues can find it;
- let the AI tools you connect read it from that knowledge base.
The summary, the law it rests on and the AI-use guidance above stay public. Privacy.
More in Insurance Law
- General Insurance Code claim timeframe register
- Internal dispute resolution complaint to an insurer about a declined or underpaid claim
- Notification of facts that might give rise to a claim under a claims-made liability policy (section 40(3))
- AFCA complaint about an insurance claim: lodgement and preparation guide
- Cancellation of a general insurance contract
- Letter to an insurer disputing avoidance or reduction of a claim for non-disclosure or misrepresentation
- Response to a reservation of rights or disclaimer
- Claim against the insurer of a deregistered company
- Coverage advice memorandum (insuring clause, exclusions, conditions, non-disclosure and section 54)
- Request to an insurer for reasons, the information relied on and expert reports (General Insurance Code of Practice)
- New York liability-policy notice checklist
- Reservation of rights letter from an insurer (specific, timely and fair)
- Notice requiring a liability insurer to state whether it admits the policy applies and will conduct the defence (section 41(2))
- Subrogation limits against family and a permitted driver
- Checklist: AI in insurance claims handling — automated decisions, explanations and synthetic-evidence fraud
- What a Code denial or short payment tells the customer
- Memo: reviewing professional indemnity, cyber and D&O wordings for AI exclusions and "silent AI" exposure
All precedents for Insurance Law · Tasks and AI use in this area