Matos v. Farmers Mut. Fire Ins. Co. Of Salem Cty., 399 N.J. Super. 219, 943 A. 2d 917 (App. Div. 2009)
Practice Areas: First Party, Insurance Coverage and Bad Faith
The Court held that an insured is bound by the one year limitation period for filing suit against the carrier, even if the endorsement for such a provision was not included in the policy sent to the insured. The insured was bound here because the insured was notified specifically of the period in the declination letter sent by the adjuster more that 12 months prior top the filing of the law suit.