Ezra Bradshaw appeals the trial court’s grant of summary judgment in favor of Affirmative Insurance Company, Bradshaw’s insurer, disposing of Bradshaw’s claim for uninsured motorist benefits. On appeal, Bradshaw raises one issue, which we restate as whether the trial court properly concluded Bradshaw’s claim was time-barred pursuant to the two-year limitation period of the parties’ auto insurance policy.
Conclusion (slip op. at 10): The trial court properly found Bradshaw’s claim for uninsured motorist benefits was time-barred and therefore properly granted affirmative summary judgment.
Key Analysis (slip op. at 5, 10): If an insurance policy provision limits the time in which a suit may be commenced, the provision is valid unless it contravenes a statute or public policy . . . There are policy reasons why the limitation provisions in insurance policies should be strictly adhered to, which include providing carriers with a basis for forming business judgments concerning claim reserves and premium rates.