Court, not arbitrator, must decide American Freedom’s coverage denial

It started with a rear-end crash. On April 23, 2021, the insured was hit by an uninsured motorist while driving and filed a claim for uninsured motorist damages under his American Freedom auto policy. The insurer investigated how he used the vehicle and, on August 24, 2021, denied the claim – citing what the court described as “purported work-related usage of the insured vehicle.” He never demanded arbitration.