Six plaintiffs brought actions against their insurer for non-earner benefits seven to eight years after the benefits were denied.
The insurer brought motions for summary judgment, arguing the actions were statute-barred by the two-year limitation period.
The plaintiffs argued the limitation period did not begin to run because the insurer failed to provide a written explanation of benefits as required by section 32(2) of the Statutory Accident Benefits Schedule.
The court held that the insurer's denial of benefits was clear and unequivocal, which was sufficient to trigger the limitation period.
The court also found no basis for relief from forfeiture regarding the plaintiffs' failure to submit disability certificates, and dismissed the claims for bad faith.
The motions for summary judgment were granted and the actions were dismissed.