On bad faith claims the statute of limitations does not run until your insurance company commits an act of bad faith. This occurs when your insurance company unreasonably withholds policy benefits due on your claim by notifying you its denied.
During the time your insurance company is investigating your claim the statute of limitations is tolled until your insurance company denies your claim.
On the other hand if the policy holder is unaware of insurance coverage and contends that he belatedly discovered that the policy provided coverage for a claim that does not toll the statute of limitations.
If your insurance company has wrongfully denied your claim call today for your free consultation with a partner. No Recovery. No fee.