859 N.E.2d 922, 826 N.Y.S.2d 182 Todd v. Wayne Coop. Ins. Co. Court of Appeals of the State of New York. Decided November 20, 2006. Appeal from the 3d Dept: 31 AD3d 1026. Motions For Leave To Appeal. Granted. Tagged: 826 N.Y.S.2d 182859 N.E.2d 922