Randal F. Black V. Victoria Lloyds Insurance Company (09/12/90‪)‬

This summary judgment case involves the issuance of an insurance "identification card" pursuant to article 6701h of the Revised Civil Statutes of Texas to a statutorily exempt "owner" whose liability insurance policy excluded coverage when the vehicle was not being used exclusively for business. After an accident, which occurred while Lisa Jeanine Sudderth (Sudderth) was using the vehicle on a personal  matter, Respondent Victoria Lloyds Insurance Company (Victoria Lloyds) denied coverage. Petitioners Randal F. Black (Black), C. O. Daniel (Daniel) and Sudderth filed suit and asserted several causes of action against Victoria Lloyds and others. Victoria Lloyds filed a motion for summary judgment asserting that there was no misrepresentation as a matter of law, that there was no insurance coverage for the accident and that Black and Sudderth had no standing. The trial court granted Victoria Lloyds' motion for summary judgment and rendered judgment against Black, Daniel and Sudderth. The court of appeals affirmed. 769 S.W.2d 949. For the reasons explained herein, we reverse the judgment of the court of appeals and remand the cause to the trial court for further proceedings.