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. Ambiguities found in the contract are to be construed against the insurance company and in favor of the insured.
Insurance companies issue contracts of adhesion.
Because if you think just because the insurance company adjuster is still talking to you and making noise like your claim is going to be paid, just wait. Now Tennessee has a one year statute of limitations and Georgia has a two year statute of limitations. The file was inadvertently set up for a two year statute of limitations. The next time I called the adjuster he thought it was so funny that I had blown the statute of limitations and that my clients could not recover for the serious injuries to them and their small children. He seemed to delight in the thought that I was headed for a malpractice suit.