Texas Insurance Code, Title 10 Subtitle C (Automobile Insurance): chs. 1951-1954, each complete

What this document is

Texas Insurance Code, Title 10 Subtitle C (Automobile Insurance): chs. 1951-1954, each complete (Secs. 1951.001-1951.004, 1952.001-1952.353, 1953.001-1953.104, 1954.001-1954.155) is a state statute published by Texas Legislative Council (statutes.capitol.texas.gov; document host tcss.legis.texas.gov). It is one of the Texas documents that insurance license exam questions are written from, including texas property & casualty, texas personal lines, texas claims adjuster practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• Tex. Ins. Code § 1952.060(d) (Required Provision: Liability Coverage for Temporary Vehicles During Policy Term; Primary Coverage Required)

  “The coverage required by this section provides primary coverage for the insured's legal liability for bodily injury and property damage and for damage to the temporary vehicle, not excess coverage.”

• Tex. Ins. Code § 1952.060(a)(3) (definition of temporary vehicle)

  “"Temporary vehicle" includes a vehicle that is loaned or provided to an insured by an automobile repair facility for the insured's use while the insured's vehicle is at the facility for service, repair, maintenance, or damage or to obtain an estimate and is: (A) in the lawful possession of the...”

• Tex. Ins. Code § 1952.060(c)

  “Coverage under this section is required only for a vehicle that is: (1) a private passenger automobile; or (2) a pickup, utility vehicle, or van with a gross vehicle weight of 14,000 pounds or less that is not used for the delivery or transportation of goods, materials, or supplies, other than...”

• Tex. Ins. Code § 1952.060(d)(2)

  “any resident relative of the insured and licensed operator residing in the household except for a person specifically named in a named driver exclusion under Section 1952.353(b).”

• Tex. Ins. Code § 1952.059(e)

  “(e) Coverage under this section for a vehicle that replaces a covered vehicle shown in the declarations for the policy must be the same as the coverage for the vehicle being replaced. An insured must notify the insurer of a replacement vehicle during the time prescribed by Subsection (d) only if...”

• Tex. Ins. Code § 1952.059(f)

  “(f) Coverage under this section for a vehicle that is acquired during the policy term in addition to the covered vehicles shown in the declarations for the policy and of which the insurer is notified as prescribed by Subsection (d) must be the broadest coverage provided under the policy for any...”

• Tex. Ins. Code § 1952.101(c) (Uninsured or Underinsured Motorist Coverage Required)

  “The coverage required by this subchapter does not apply if any insured named in the insurance policy rejects the coverage in writing. Unless the named insured requests in writing the coverage required by this subchapter, the insurer is not required to provide that coverage in or supplemental to a...”

• Tex. Ins. Code § 1952.155(a) (Benefits Payable Without Regard to Fault or Collateral Source; Effect on Subrogation)

  “The benefits under coverage required by this subchapter are payable without regard to: (1) the fault or nonfault of the named insured or recipient in causing or contributing to the collision; and (2) any collateral source of medical, hospital, or wage continuation benefits.”

• Tex. Ins. Code § 1954.153(a) (Defense or Indemnification of Claim)

  “An automobile insurer that issues a personal automobile insurance policy that includes an exclusion from coverage authorized by Section 1954.151 does not have a duty to defend or indemnify a claim arising from an event subject to the exclusion.”

• Tex. Ins. Code § 1952.153 (Maximum Required Amount of Personal Injury Protection)

  “This subchapter does not require an insurer to provide personal injury protection coverage in an amount that exceeds $2,500 for all benefits, in the aggregate, for each person.”

• Tex. Ins. Code § 1952.060(d), (e) (Required Provision: Liability Coverage for Temporary Vehicles During Policy Term; Primary Coverage Required)

  “(d) The coverage required by this section provides primary coverage for the insured's legal liability for bodily injury and property damage and for damage to the temporary vehicle, not excess coverage. The coverage must insure: (1) the person named in the personal automobile insurance policy; and...”

• Tex. Ins. Code § 1952.155(c) (Benefits Payable Without Regard to Fault or Collateral Source; Effect on Subrogation)

  “(c) An insurer paying benefits pursuant to this subchapter, including a county mutual insurance company, shall have a right of subrogation and a claim against a person causing or contributing to the collision if, on the date of loss, financial responsibility as required by Chapter 601,...”

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