Old American County Mutual Fire Insurance Co. v. Sanchez

Articles 5.06-1(1) and 5.06-3(a) of the Texas Insurance Code ("the Code") provide that "any insured named in the policy" may reject Uninsured Motorist ("UM") and Personal Injury Protection ("PIP") coverages. The question here is whether the insured spouse of the person listed as the "named insured" in the declarations page of a policy may reject those coverages. The court of appeals held that the spouse could not. We conclude, however, that the spouse falls within the class of persons statutorily entitled to reject UM and PIP coverages under the policy. Accordingly, we reverse the court of appeals judgment and render judgment in favor of Old American County Mutual Fire Insurance Company ("Old American").