Tex. Codes » Insurance Code · TITLE 5. PROTECTION OF CONSUMER INTERESTS · SUBTITLE C. DECEPTIVE, UNFAIR, AND PROHIBITED PRACTICES · CHAPTER 541. UNFAIR METHODS OF COMPETITION AND UNFAIR OR DECEPTIVE ACTS OR PRACTICES
Texas Codes

Tex. Ins. Code § 541.051 (2026)

Misrepresentation Regarding Policy Or Insurer

✓ current as of May 2026
Find cases: SyfertCases citing this section TX-LEGstatutes.capitol.texas.gov Justiaon Justia CornellLII Search CasesGoogle Scholar

Sec. 541.051. MISREPRESENTATION REGARDING POLICY OR INSURER. It is an unfair method of competition or an unfair or deceptive act or practice in the business of insurance to:

(1) make, issue, or circulate or cause to be made, issued, or circulated an estimate, illustration, circular, or statement misrepresenting with respect to a policy issued or to be issued:

(A) the terms of the policy;

(B) the benefits or advantages promised by the policy; or

(C) the dividends or share of surplus to be received on the policy;

(2) make a false or misleading statement regarding the dividends or share of surplus previously paid on a similar policy;

(3) make a misleading representation or misrepresentation regarding:

(A) the financial condition of an insurer; or

(B) the legal reserve system on which a life insurer operates;

(4) use a name or title of a policy or class of policies that misrepresents the true nature of the policy or class of policies; or

(5) make a misrepresentation to a policyholder insured by any insurer for the purpose of inducing or that tends to induce the policyholder to allow an existing policy to lapse or to forfeit or surrender the policy.

Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.

Notes of Decisions
Cited in 77 cases (21 in the last 5 years), 2001–2025 · leading case: Env't Procedures, Inc. v. Guidry, 282 S.W.3d 602 (Tex. App. 2009).
Sort: Relevance Newest Treatment
Env't Procedures, Inc. v. Guidry, 282 S.W.3d 602 (Tex. App. 2009). · cites it 3× “Laws 3611 , 2659-61 (current versions at TEX. INS. CODE ANN. §§ 541.051, 541.056 (Vernon 2007)).”
Nunn v. State Farm Mut. Auto. Ins., 729 F. Supp. 2d 801 (N.D. Tex. 2010). · cites it 5× “Nunn sues State Farm, alleging claims for breach of the insurance policy, breach of the common law duty of good faith and fair dealing, and various violations of the Texas Insurance Code.”
Richardson-Eagle, Inc. v. William M. Mercer, Inc., 213 S.W.3d 469 (Tex. App. 2007). · cites it 2× “Laws 548 , 548-50 (repealed and recodified 2003) (current versions at Tex. Ins.Code Ann. §§ 541.051, 541.056 (Vernon Supp.”
Brown & Brown of Texas, Inc. v. Omni Metals, Inc., 317 S.W.3d 361 (Tex. App. 2010). · cites it 2× “" TEX. INS.CODE ANN. § 541.051 (Vernon 2009).”
Lyda Swinerton Builders, Inc. v. Okla. Sur. Co., 903 F.3d 435 (5th Cir. 2018). “" TEX. INS. CODE §§ 541.051 -.061. A person "who sustains actual damages .”
Partain v. Mid-Continent Specialty Ins. Servs., Inc., 838 F. Supp. 2d 547 (S.D. Tex. 2012). · cites it 2× “s an unfair method of competition or an unfair or deceptive act or practice in the business of insurance to: (1) make, issue, or circulate or cause to be made, issued, or circulated an estimate, illustration, circular, or statement misrepresenting with respect to a policy issued…”
Garcia v. State Farm Lloyds, 287 S.W.3d 809 (Tex. App. 2009). “LAWS 3611, 2659-61 (current versions at TEX. INS. CODE ANN. §§ 541.051, 541.056 (Vernon Pamphlet 2008)).”
Vought Aircraft Indus., Inc. v. Falvey Cargo Underwriting, Ltd., 729 F. Supp. 2d 814 (N.D. Tex. 2010). · cites it 2× “A Vought alleges that defendants violated Tex. Ins.Code Ann. §§ 541.051 to 541.061 and 541.”
Peacock v. AARP, Inc., 181 F. Supp. 3d 430 (S.D. Tex. 2016). “46 (b)(2), (b)(3), (b)(5), (b)(24); Texas Ins. Code § 541.051(l)(a), (l)(b), (4); Texas Ins.”
Am. S. Ins. v. Buckley, 748 F. Supp. 2d 610 (E.D. Tex. 2010). “As to Colony’s counterclaim, ASIC further argues that it should be dismissed pursuant to Rule 12(b)(6) because Colony is not in contractual privity with ASIC and therefore Colony cannot assert a cause of action for breach of contract, attorneys’ fees or “prompt payment”…”
Ramirez v. GEICO, 548 S.W.3d 761 (Tex. App. 2018). “" Tex. Ins. Code Ann. § 541.051 (West 2009).”
Kathryne Vause v. Liberty Ins. Corp. & Justin A. Smith, 456 S.W.3d 222 (Tex. App. 2014). · cites it 2× “See Tex. Ins.Code § 541.051 (creating liability for an insurer that misrepresents the terms, benefits, or advantages of a policy); see Morris, 383 S.”
Show all 77 citing cases →
— Tex. Ins. Code § 541.051(1) — 10 cases
Daniel A. Ramirez v. First Liberty Ins. Corp., 458 S.W.3d 568 (Tex. App. 2014).
RLI Ins. Co. v. Costello, 230 F. Supp. 3d 737 (S.D. Tex. 2017).
Ensley v. Genworth Life & Annuity Ins. Co. (N.D. Tex. 2023).
Daniel A. Ramirez v. First Liberty Ins. Corp. (Tex. App. 2015).
HPRH Investments, L.L.C., Victory Med. Ctr. Beaumont, LP, & Victory Surgical Hosp. East Houston, LP v. Blue Cross & Blue Shield of Alabama (E.D. Tex. 2020).
— Tex. Ins. Code § 541.051(1)(A) — 8 cases
Shore Chan Bragalone Depumpo LLP v. Greenwich Ins., 856 F. Supp. 2d 891 (N.D. Tex. 2012).
Platinum Trophy Hunts, LLC v. Philadelphia Indem. Ins. Co. (W.D. Tex. 2022).
Juan Alvarez v. State Farm Lloyds (Tex. App. 2017).
Old Am. Ins. Co. v. Lincoln Factoring, LLC (Tex. App. 2017).
Dike v. Penn Ins. & Annuity Co., 295 F. Supp. 3d 530 (E.D. Pa. 2018).
— Tex. Ins. Code § 541.051(1)(B) — 1 case
Dike v. Penn Ins. & Annuity Co., 295 F. Supp. 3d 530 (E.D. Pa. 2018).
— Tex. Ins. Code § 541.051(1)(a) — 4 cases
Teresa Castilleja v. United of Omaha Life Ins. Co. (W.D. Tex. 2024).
FIF Eng'g v. Pac. Employers Ins. Co. (S.D. Tex. 2025).
Murray v. Allstate Veh. & Prop. Ins. Co. (S.D. Tex. 2025).
Ajredin \Danny\" Deari v. Jane Doe" (Tex. App. 2015).
— Tex. Ins. Code § 541.051(l)(a) — 1 case
Peacock v. AARP, Inc., 181 F. Supp. 3d 430 (S.D. Tex. 2016). “46 (b)(2), (b)(3), (b)(5), (b)(24); Texas Ins. Code § 541.051(l)(a), (l)(b), (4); Texas Ins.”
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.