The New York Court of Appeals hears arguments tomorrow on an interesting insurance coverage question: Miceli v. State Farm Mut. Ins. Co. The plaintiff commenced a declaratory judgment action against State Farm to determine whether it was obligated to defend and indemnify its insured. State Farm’s insured collided with an automobile in which the plaintiff was a passenger. The insured was driving an automobile without the owner’s permission and hit the other automobile in a high-speed chase with the police. State Farm admitted that it did not notify its insured of its disclaimer pursuant to Insurance Law Section 3420(d), but claims the noncompliance is irrelevant because the accident does not fall within the insured’s automobile policy. See the Court’s case summaries for more details.