"Policy Ensurance" 
Even if the insurance company denied the claim in bad faith (without good reason) the policyholder had been made aware of intention not to pay and had sufficient time within which to comply with the policy terms, and file suit against the insurance company within the one year time limit: U.S. Pini v. Allstate Insurance Co., 4999 F. Supp. 1003 E.D. Pa., 1980, aff'd., 659 F. 2d 1070.
