Rein v. State Farm Automobile Insurance Company

Plaintiff filed declaratory judgment action for uninsured motorist coverage after hit-and-run accident. Court properly held that action was barred by insurer's policy provision requiring arbitration or suit for uninsured motorist coverage to be commenced within two years after date of accident. Arbitration process is not commenced by insured sending letter stating intent to pursue arbitration, where letter did not expressly and unequivocally request arbitration or name an arbitrator on the insured's behalf within two years of accident as policy terms required. (McBRIDE and R.E. GORDON, concurring.)