The statute of limitations in insurance contracts in a consumer relationship

Abstract

The 2014 reform to Article 50 of Argentina’s Consumer Protection Law removed the explicit three-year term for judicial actions, reigniting debate over the one-year statute in the Insurance Law versus the five-year term in the Civil and Commercial Code. Recent rulings by Córdoba’s High Court of Justice adopt a pro-consumer approach, applying the Civil Code’s five-year term to insurance disputes within consumer relationships. This note analyzes the competing hermeneutic theses and extracts practical implications for litigation strategy.