A passenger claiming UM benefits is held bound by the limitations period in the policy, by the Supreme Court of Iowa in Osmic v. Nationwide Agribusiness Ins. Co., 2014 WL 88240 (Iowa January 20, 2014) (three Justices specially concurring in the result, analyzing "third-party beneficiary" issues separately from the majority opinion).
Statutes of limitation and policy limitations periods are discussed in "Insurer's Defenses Against First-Party Action By Insured" in 2 Dennis J. Wall, Litigation and Prevention of Insurer Bad Faith (Thomson Reuters West Third Edition and 2013 Supplement), in particular in § 11:15 thereof. Limitations defenses in the three kinds of Third-Party Bad Faith lawsuits are discussed in 1 id. §§ 5:20, 5:35 and 5:54.
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