In AIU Ins. Co. v. Investors Ins. Co., 17 AD3d 259 (1st Dept. 2005), the court ruled that, "...the duty to disclaim as soon as is reasonably possible...is not triggered where, as here, the request is for contribution by a coinsurer....The purpose of Insurance Law 3420(d) is to protect the insured, the injured party, and any other interested party who has a real stake in the outcome' from prejudice resulting from a belated denial of coverage'..." . (Id. at 260.)