Opinion ID: 1862787
Heading Depth: 2
Heading Rank: 3

Heading: Application of law to facts of case.

Text: In this case, the automobile accident occurred on December 16, 1995, and plaintiffs settled with the tortfeasor on August 5, 1996. Plaintiffs therefore complied with the first condition, i.e., bring action against or settle with the tortfeasor within two years of the accident. The next condition plaintiffs needed to comply with in order to preserve their right to recover UIM benefits under the Allied policy was to bring suit against Allied within ten years of the date that Allied denied plaintiffs' claim for benefits. Although the record does not identify the date that Allied denied plaintiffs' claim, it is obvious that plaintiffs' suit against Allied was filed within the ten-year period. The district court therefore incorrectly concluded that plaintiffs' suit was time barred.