WALTERS, J.
In this case, we decide that, to "formally institute arbitration," and thereby satisfy the timelines set forth in ORS 742.504(12)(a)(B) and maintain a claim for underinsured motorist (UIM) benefits, an insured or an insurer must expressly communicate to the other party that the initiating party is beginning the process of arbitrating a dispute. We further decide that two letters written by defendant to plaintiff in this case did not meet that standard...
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