Clay v. Sun Insurance Office, Ltd.

Clay (plaintiff) bought an insurance policy from Sun Insurance (defendant), a British company doing business in several states, while living in Illinois; the policy required suit within 12 months of a claim denial, which was valid under Illinois law. Clay later moved to Florida and transferred the policy there, suffered a covered loss, and had his claim denied. He sued more than 12 months after the denial, relying on a Florida statute voiding such 12-month suit clauses; the appellate court applied Illinois law instead and ruled for Sun Insurance.