Royer v. Elkhart City of

**Insurance Policy Time Limits Upheld in Royer v. Elkhart City** This case involved a dispute over an insurance claim with Secura Insurance. The plaintiff filed a lawsuit claiming the insurance company breached their contract by not properly handling a claim. However, there was a significant timing issue - the original damage occurred in April 2015, but the insurance company didn't deny the claim until June 2020. The plaintiff sued after the denial. The court ruled in favor of Secura Insurance. The judge found that the insurance policy included a two-year time limit for filing lawsuits, and this deadline started counting from when the physical damage happened (April 2015), not from when the claim was denied (June 2020). Since the lawsuit was filed more than two years after the original damage, it was too late under the policy terms. The court also determined that Kentucky state laws protecting foreign insurance companies didn't change this outcome. This ruling reminds workers and consumers to carefully read insurance policies and other contracts for time limits on filing complaints or lawsuits. Even if you don't know about a problem right away, the clock for legal action may start ticking from when the incident first occurred, not when you discover the issue.