Title Copyright Preface About the Author Acknowledgements CHAPTER 1: ANNOTATED TEXAS PERSONAL AUTO POLICY 1-1:1 TEXAS PERSONAL AUTO POLICY1, 2 AGREEMENT 1-1:2 DEFINITIONS 1-2 LIABILITY COVERAGE INSURING AGREEMENT 1-2:1 SUPPLEMENTARY PAYMENTS 1-2:2 EXCLUSIONS 1-2:3 LIMIT OF LIABILITY 1-2:4 OUT OF STATE COVERAGE 1-2:5 FINANCIAL RESPONSIBILITY REQUIRED 1-2:6 OTHER INSURANCE 1-3 MEDICAL PAYMENTS COVERAGE1, 2 1-3:1 INSURING AGREEMENT3 1-3:2 EXCLUSIONS 1-3:3 LIMIT OF LIABILITY 1-3:4 OTHER INSURANCE 1-3:5 ASSIGNIVIENT OF BENEFITS 1-4 PERSONAL INJURY PROTECTION COVERAGE1, 2, 3, 4, 5, 6, 7 1-4:1 INSURING AGREEMENT 1-4:2 EXCLUSIONS 1-4:3 LIMIT OF LIABILITY 1-4:4 OTHER INSURANCE 1-4:5 OTHER PROVISIONS 1-4:6 ASSIGNMENT OF BENEFITS 1-5 UNINSURED/UNDERINSURED MOTORISTS 1-5:1 COVERAGE1, 2, 3, 4, 5, 6, 7, 8, 9, 10 1-5:2 INSURING AGREEMENT11 1-5:3 EXCLUSIONS 1-5:4 LIMIT OF LIABILITY 1-5:5 OTHER INSURANCE 1-6 COVERAGE FOR DAMAGE TO YOUR AUTO 1-6:1 INSURING AGREEMENT 1-6:2 TRANSPORTATION EXPENSES 1-6:3 EXCLUSIONS 1-6:4 LIMIT OF LIABILITY 1-6:5 PAYMENT OF LOSS26 1-6:6 NO BENEFIT TO BAILEE 1-6:7 OTHER INSURANCE 1-6:8 APPRAISAL 1-6:9 SPECIFIED CAUSES OF LOSS 1-6:10 OPTIONAL AND LIMITED SPECIFIED CAUSES OF LOSS (Fire, Theft, Wind) 1-7 DUTIES AFTER AN ACCIDENT OR LOSS 1-7:1 GENERAL DUTIES 1-7:2 ADDITIONAL DUTIES FOR UNINSURED/UNDERINSURED MOTORISTS COVERAGE 1-7:3 ADDITIONAL DUTIES FOR COVERAGE FOR DAMAGE TO YOUR AUTO 1-8 GENERAL PROVISIONS 1-8:1 BANKRUPTCY 1-8:2 CHANGES 1-8:3 LEGAL ACTION AGAINST US 1-8:4 OUR RIGHT TO RECOVER PAYMENT 1-8:5 POLICY PERIOD AND TERRITORY 1-8:6 TERMINATION 1-8:7 TRANSFER OF YOUR INTEREST IN THIS POLICY 1-8:8 TWO OR MORE AUTO POLICES 1-9 ADDITIONAL COVERAGES AND PROVISIONS 1-9:1 TOWING AND LABOR COSTS COVERAGE 1-9:2 RENTAL REIMBURSEMENT COVERAGE 1-9:3 LOSS PAYABLE CLAUSE -- MODIFIED CHAPTER 2: ENDORSEMENTS 2-1 MEXICO COVERAGE -- LIMITED WARNING READ THIS PROVISION CAREFULLY! 2-1:1 ADDITIONAL EXCLUSIONS 2-1:2 SPECIAL CONDITIONS 2-2 565. AUTO DEATH INDEMNITY AND TOTAL DISABILITY COVERAGES 2-2:1 SCHEDULE 2-2:2 DEFINITIONS 2-2:3 EXCLUSIONS 2-2:4 CONDITIONS 2-3 573. SUPPLEMENTARY DEATH BENEFIT 2-3:1 INSURING AGREEMENT AND LIMIT OF LIABILITY 2-3:2 PROOF OF CLAIM 2-3:3 OTHER COVERAGE PROVIDED BY THIS POLICY 2-3:4 DEFINITIONS 2-4 560C. RECREATIONAL TRAILERS, MOBILE HOMES OR MOTORHOMES 2-4:1 SCHEDULE 2-5 593C. TEXAS PERSONAL AUTO POLICY -- AMENDATORY ENDORSEMENT 2-5:1 DEFINITIONS is amended to add the following: 2-5:2 DUTIES AFTER AN ACCIDENT OR LOSS - GENERAL DUTIES is amended as follows: 2-5.3 LIABILITY - EXCLUSION is amended as follows: 2-6 573A. SUPPLEMENTARY DEATH BENEFIT 2-6:1 INSURING AGREEMENT AND LIMIT OF LIABILITY 2-6:2 PROOF OF CLAIM 2-6:3 OTHER COVERAGE PROVIDED BY THIS POLICY 2-6:4 DEFINITIONS CHAPTER 3: POLICY and EXTRACONTRACTUAL ISSUES 3-1 INTRODUCTION 3-1:1 DUTIES AFTER AN ACCIDENT OR LOSS GENERAL DUTIES 3-1:2 UNINSURED/UNDERINSURED MOTORIST ISSUES 3-1:3 PERSONAL INJURY PROTECTION COVERAGE ISSUES 3-1:4 THE DECEPTIVE TRADE PRACTICES ACT (DTPA) & THE INSURANCE CODE 3-1:5 DUTY OF GOOD FAITH AND FAIR DEALING/INSURANCE CODE 3-1:6 THE PROMPT PAYMENT OF CLAIMS ACT 3-1:7 STANDING 3-1:8 INSURER INSOLVENCY 3-1:9 PUNITIVE DAMAGES 3-1:10 LIENS CHAPTER 4: TEXAS STANDARD INSURANCE POLICY 4-1 TEXAS PERSONAL AUTO POLICY 4.1:1 AGREEMENT 4.

1:2 DEFINITIONS 4-2 LIABILITY COVERAGE INSURING AGREEMENT 4.2:1 SUPPLEMENTARY PAYMENTS 4.2:2 EXCLUSIONS 4-2:3 LIMIT OF LIABILITY 4-2:4 OUT OF STATE COVERAGE 4-2:5 FINANCIAL RESPONSIBILITY REQUIRED 4-2:6 OTHER INSURANCE 4-3 MEDICAL PAYMENTS COVERAGE 4-3:1 INSURING AGREEMENT 4-3:2 EXCLUSIONS 4-3:3 LIMIT OF LIABILITY 4-3:4 OTHER INSURANCE 4-3:5 ASSIGNMENT OF BENEFITS 4-4 PERSONAL INJURY PROTECTION COVERAGE 4-4:1 INSURING AGREEMENT 4-4:2 EXCLUSIONS 4-4:3 LIMIT OF LIABILITY 4-4:4 OTHER INSURANCE 4-4:5 OTHER PROVISIONS 4-4:6 ASSIGNMENT OF BENEFITS 4-5 UNINSURED/UNDERINSURED MOTORISTS COVERAGE 4-5:1 INSURING AGREEMENT 4-5:2 EXCLUSIONS 4-5:3 LIMIT OF LIABILITY 4-5:4 OTHER INSURANCE 4-6 COVERAGE FOR DAMAGE TO YOUR AUTO 4-6:1 INSURING AGREEMENT 4-6:2 TRANSPORTATION EXPENSES 4-6:3 EXCLUSIONS 4-6:4 LIMIT OF LIABILITY 4-6:5 PAYMENT OF LOSS 4-6:6 NO BENEFIT TO BAILEE 4-6:7 OTHER INSURANCE 4-6:8 APPRAISAL 4-6:9 SPECIFIED CAUSES OF LOSS 4-6:10 OPTIONAL AND LIMITED SPECIFIED CAUSES OF LOSS 4-7 DUTIES AFTER AN ACCIDENT OR LOSS 4-7:1 GENERAL DUTIES 4-7:2 ADDITIONAL DUTIES FOR UNINSURED/UNDERINSURED MOTORISTS COVERAGE 4-7:3 ADDITIONAL DUTIES FOR COVERAGE FOR DAMAGE TO YOUR AUTO 4-8 GENERAL PROVISIONS 4-8:1 BANKRUPTCY 4-8:2 CHANGES 4-8:3 LEGAL ACTION AGAINST US 4-8:4 OUR RIGHT TO RECOVER PAYMENT 4-8:5 POLICY PERIOD AND TERRITORY 4-8:6 TERMINATION 4-8:7 TRANSFER OF YOUR INTEREST IN THIS POLICY 4-8:8 TWO OR MORE AUTO POLICES 4-9 ADDITIONAL COVERAGES AND PROVISIONS 4-9:1 COVERAGE H - TOWING AND LABOR COSTS COVERAGE 4-9:2 SCHEDULE 4-9:3 COVERAGE R - RENTAL REIMBURSEMENT COVERAGE 4-9:4 LOSS PAYABLE CLAUSE -- MODIFIED 4-10 MEXICO COVERAGE -- LIMITED WARNING READ THIS PROVISION CAREFULLY! 4-10:1 ADDITIONAL EXCLUSIONS 4-10:2 SPECIAL CONDITIONS 4-11 565. AUTO DEATH INDEMNITY AND TOTAL DISABILITY COVERAGES 4-11:1 SCHEDULE 4-11:2 COVERAGE A - DEATH INDEMNITY 4-11:3 COVERAGE B - TOTAL DISABILITY - MAXIMUM 200 WEEKS 4-11:4 DEFINITIONS - WITH RESPECT TO THIS INSURANCE 4-11:5 EXCLUSIONS 4-11:6 CONDITIONS 4-12 573. SUPPLEMENTARY DEATH BENEFIT 4-12:1 INSURING AGREEMENT AND LIMIT OF LIABILITY 4-12:2 PROOF OF CLAIM 4-12:3 OTHER COVERAGE PROVIDED BY THIS POLICY 4-12:4 DEFINITIONS 4-13 560C. RECREATIONAL TRAILERS, MOBILE HOMES OR MOTORHOMES 4-13:1 DESCRIPTION OF RECREATIONAL TRAILER, MOBILE HOME OR MOTORHOME 4-14 593C. TEXAS PERSONAL AUTO POLICY -- AMENDATORY ENDORSEMENT 4-14:1 DEFINITIONS is amended to add the following: 4-14:2 PART E -- DUTIES AFTER AN ACCIDENT OR LOSS -- GENERAL DUTIES -- is amended as follows: 4-14:3 PART A - LIABILITY - EXCLUSION - is amended as follows: 4-15 573A. SUPPLEMENTARY DEATH BENEFIT 4-15:1 INSURING AGREEMENT AND LIMIT OF LIABILITY 4-15:2 PROOF OF CLAIM 4-15:3 OTHER COVERAGE PROVIDED BY THIS POLICY 4-15:4 DEFINITIONS CHAPTER 5: Kids And Cars 5-1 KIDS AND CARS: INTRODUCTION 5-1:1 TEENAGERS: THEY''RE NOT JUST PASSENGERS ANYMORE 5-1:2 NEGLIGENT ENTRUSTMENT OF A VEHICLE CHAPTER 6: INDEX OF TOPICS AND CASES Alphabetical Index of Topics 6-1 Adjuster Liability: 6-2 Agents/Duties: 6-3 Agent Liability: 6-4 Agent Misrepresentation/Coverage: 6-5 Appraisal: 6-6 Appraisal: 6-7 Attorneys'' Fees: 6-8 Attorney-In-Fact: 6-9 Auto Accident: 6-10 Automobile: 6-11 Automobile Use Exclusion: 6-12 Breach of Duty to Defend: 6-13 Burden of Proof: 6-14 Bystander Claim: 6-15 "Captive" Counsel: 6-16 Causes of Action: 6-17 Construction of Insurance Policies: 6-18 Common Fund Doctrine: 6-19 Complaints: 6-20 Construction of Insurance Policies: 6-21 Construction of Insurance Policies: 6-22 Construction of Insurance Policies: 6-23 Counterclaims/Duty to Defend: 6-24 Damages: 6-25 Deductibles (Liability and Property Damage Coverage): 6-26 Domestic Employee: 6-27 Down Payment: 6-28 Duty to Cooperate: 6-29 Duty to defend: 6-30 Duty to Defend/Duty to Indemnify: 6-31 Duty to Defend/Eight Corners Rule: 6-32 Duty to settle.

6-33 Endorsements: 6-34 Estoppel: 6-35 Excess Carriers: 6-36 Family Member/Adults: 6-37 Family Member Exclusion: 6-38 Family Use Exception: 6-39 Family Use Exception: 6-40 Governmental Body Exclusion: 6-41 Health Insurer''s Subrogation Claim: 6-42 Hit-and-Run Motor Vehicle: 6-43 Hit-and-Run/Physical Contact Requirement: 6-44 In-house Counsel: 6-45 Incurred: 6-46 Intoxication/Permissive User: 6-47 Intra Company Stacking: 6-48 Intra Policy Stacking: 6-49 Length of Policy Term: 6-50 Liability Coverage: 6-51 Liability Offset: 6-52 Liability Offset: 6-53 Like Kind and Quality: 6-54 Medicare: 6-55 Minimum Liability Coverage: 6-56 No-Fault Insurance: 6-57 Ownership: 6-58 Paid v. Incurred: 6-59 Paid/Incurred Limitations: 6-60 Payment: 6-61 Physical Contact Requirement: 6-62 PIP/Personal Injury Protection: 6-63 Policy Form: 6-64 Prejudgment Interest (Liability Coverage): 6-65 Prejudgment Interest (UM/UIM Coverage): 6-66 Premium Rates/Statutory Fees: 6-67 Premiums: 6-68 Proof of Insurance: 6-69 Property Damage: 6-70 Punitive Damages/Liability Coverage: 6-71 Reinstatement After Loss: 6-72 Renewal: 6-73 Resident Family Member: 6-74 Right to Control Defense: 6-75 Salvage Vehicle: No Duty to Warn of Visible Condition of Salvage Car: 6-76 Self-Insurers: 6-77 Self Insured Motor Vehicles: 6-78 Severance and Abatement: 6-79 Severance and Abatement: 6-80 Severance and Abatement: 6-81 Severance and Abatement: 6-82 Severance and Abatement: 6-83 Stacking: 6-84 Staff Attorneys/Captive Counsel: 6-85 Stowers Doctrine: 6-86 Subrogation: Common fund doctrine: 6-87 Subrogation: Made-Whole Doctrine: 6-88 Third Parties: 6-89 T.A.I.P.: 6-90 T.A.I.

P./Agents: 6-91 T.A.I.P./Exclusions: 6-92 Timely Notice of Claim or Suit: 6-93 Unauthorized Practice of Law Litigation: 6-94 Unapproved Carriers: 6-95 Underinsured Motorist Coverage: 6-96 Uninsured Motorist Coverage: 6-97 Underinsured Motorist/Settlement Credit: 6-98 Uninsured Motorist/Identifying the Tortfeasor: 6-99 Underinsured Motorist/Punitive Damages: 6-100 Uninsured Motorist/Requirement of Written Rejection of UM: 6-101 Workers'' Compensation: 6-102 Workers'' Compensation Subrogation: 6-103 Workers'' Compensation Subrogation: Workers'' Comp Subrogation Against UM/UIM Recovery Disallowed: 6-104 Vandalism: Alphabetical Index of Cases Index Back Page.