The appellant was injured in a motor vehicle accident and submitted an application for accident benefits without a disability certificate.
The respondent insurer denied the claim.
More than two years later, the appellant sought mediation and subsequently commenced an action, which was dismissed on summary judgment as statute-barred.
On appeal, the appellant argued the limitation period did not begin until a valid claim, including a disability certificate, was denied.
The Court of Appeal dismissed the appeal, holding that the application was valid without the certificate and that allowing a claimant to delay the limitation period indefinitely by withholding a certificate would undermine the statutory regime's purpose of timely resolution.