The applicant was injured in a motor vehicle accident and received statutory accident benefits from the insurer.
The insurer terminated the benefits and the parties signed a release.
The applicant later applied for arbitration, arguing the release was ineffective and the termination notice was invalid.
The arbitrator found that the release did not meet the regulatory requirements and was therefore not a full and final settlement.
Furthermore, the termination notice did not constitute a valid refusal under the Smith test because it failed to adequately inform the applicant of the dispute resolution process.
As a result, the limitation period never commenced, and the applicant's claim was not time-barred.