Sarmiento v. Grange Mutual Casualty Co.

{¶ 1} One issue before us is whether a two-year contractual limitation period for filing uninsured- and underinsured-motorist (“UM/UIM”) claims is reasonable and enforceable when the underlying tort claim is governed by the laws of another state, whose statute of limitations for the claim is longer than two years. Appellants and cross-appellees, David Camacho, David Camacho III (a minor), Francisco Sarmiento, Rita Sarmiento, Braulio Sarmiento (a minor), Jesus Sarmiento, and Delores Sarmiento (collectively, “Sarmientos”), urge us to interpret *404former R.C. 3937.18 as requiring insurers to afford…