In this declaratory judgment action, plaintiff seeks an order declaring that defendants are not entitled to coverage under a personal automobile insurance policy. In this motion, defendants El Chiropractic, P.C. (El Chiropractic), Inwood Hill Medical, P.C. (Inwood Hill), and New Psychology, P.C. (New Psychology) (together, the providers) seek summary judgment (CPLR 3212) dismissing the complaint, as well as judgment on their counterclaims. Plaintiff cross-moves for summary judgment on its complaint.