Nebozuk v Northbridge General Insurance Company, 2025 ABKB 197 is a recent interesting case pertaining to limitation periods for claims made under SEF 44 Family Protection Endorsements (“SEF 44 Endorsements”). SEF 44 Endorsements are a feature of most auto insurance policies that allow an injured plaintiff to sue their own insurance company for the difference between what they can recover from a tortfeasor and what they are actually owed, if a difference exists between the tortfeasor’s policy and their own. For example, if a defendant driver with policy limits of $200,000 injures a plaintiff, but the plaintiff’s damages are worth $300,000, then the plaintiff can sue their own insurer for the $100,000 difference (provided their own policy limit is greater than $200,000, and after they recover the $200,00 from the tortfeasor).

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