In Presbyterian Hosp. in City of New York v. Atlanta Casualty Company (210 A.D.2d 210 [2d Dept 1994]), the Court precluded the insurer from raising a defense regarding injuries and treatment, clearly distinguishing this type of defense from a defense of lack of policy coverage by noninclusion. The Court held (at 211-212): "This is not a case like those relied upon by the defendant where the claimant, the vehicle, or the event subject was facially outside of the four corners of the insurance contract".