Under a claims-made legal malpractice insurance policy, the insured's protection is typically limited to claims made and reported to the insurer during the twelve months following issuance of the policy. Although the statute of limitations for legal malpractice actions is six years after the action has accrued, N.J.S.A. 2A:14-1, Carney v. Finn, 145 N.J.Super. 234, 235-36, 367 A.2d 458 (App.Div.1976), by application of the discovery rule a lawyer, and his claims-made insurer, can easily be confronted by a claim involving malpractice that occurred far more than six years before the suit was filed. Grunwald v. Bronkesh, 131 N.J. 483, 494, 621 A.2d 459 (1993).