Jacob W. Abraham v. Hanover Insurance Company

In an action on a fire insurance policy, plaintiff appeals from an order of the Supreme Court, Dutchess County, dated March 6, 1978, which granted defendant's motion for a protective order vacating certain of plaintiff's interrogatories because they sought material prepared exclusively for litigation. Order modified by deleting therefrom the provision which granted defendant's motion as to subdivision (c) of Interrogatory No. 8 and substituting therefor a provision denying the motion as to subdivision (c) of Interrogatory No. 8 insofar as it applies to eyewitnesses, if any, to the occurrence and otherwise granting the motion as to said interrogatory. As so modified, order affirmed, without costs or disbursements. In this action to collect the proceeds of a fire insurance policy, respondent has interposed an arson defense. Within hours after the fire, respondent learned that the police and fire officials considered it to be suspicious in origin. Aware that the insured had recently substantially increased its coverage, respondent hired a special arson investigator the day after the occurrence and retained counsel approximately one week later. A final disclaimer was not issued until after an examination of the principals of the insured and the submission by the insured of a demand for payment. Under these circumstances the items sought to be discovered in the interrogatories objected to were privileged because they were prepared exclusively in anticipation of litigation (see Seaview Chef v Transamerica Ins. Co., 61 A.D.2d 1043; Foremost Ins. Co. v 3 Grace Ave., 58 A.D.2d 590). All that is discoverable is the names of eyewitnesses to the fire (see Zellman v Metropolitan Transp. Auth., 40 A.D.2d 248). The assignee's rights are no greater than those of the assignor (see Matter of International Ribbon Mills [Arjan Ribbons], 36 N.Y.2d 121) and the assignor, who remained in possession of the premises for a period of time after the fire, had an adequate opportunity to conduct an investigation pertinent to the origin of the fire. Injustice or undue hardship does not therefore provide a basis for permitting discovery.