But those same states allow an insurance company to set a different statute of limitations in the policy that will be enforced by the courts. Each one more thing delays the process, you think since they are continually asking for information that they are trying to pay your claim. If it legitimately is going to take longer, ask for a written extension of time on the statute of limitations. If the insurance company refuses, you know you have big trouble and need an attorney and possibly a public adjuster quick. If you even think that an insurance company is jerking you around in hopes of making you miss the statute of limitations, you better get help fast.
Insurance companies can be dangerous adversaries to even the most sophisticated individuals.
They are absolute juggernauts to the uninitiated. Your insurance policy is a contract with the insurance company. Judges are fond of saying that an insurance contract is just a contract and should be interpreted and enforced according to the principles of contract law. The policy of insurance has a provision in it that says the insurance policy will conform with state law if there is a conflict within the policy and state law. The insurance policy has a one year statute of limitations written into it.