The appellant was injured in a motor vehicle accident and sued the at-fault driver.
Years later, upon discovering the tortfeasor was underinsured, the appellant sued his own insurer under the OPCF 44 Family Protection Endorsement.
The insurer successfully moved to dismiss the action as statute-barred.
On appeal, the appellant argued the limitation period should only begin when damages are quantified by judgment or settlement.
The Court of Appeal dismissed the appeal, holding that the limitation period begins when the insured has accumulated a body of evidence that would give a reasonable chance of persuading a judge that the claim exceeds the minimum liability limits.