The appellant insurer appealed the dismissal of its motion for summary judgment.
The insurer argued that the respondent's claim for income replacement benefits was barred by the two-year limitation period under s. 281.1 of the Insurance Act.
The motion judge had found a genuine issue for trial based on an error in a subsequent denial form and a fresh medical finding.
The Divisional Court allowed the appeal, holding that the initial clear and unequivocal denial triggered the limitation period, and a fresh medical finding could not reactivate it.
Summary judgment was granted dismissing the claim.