Texas Codes

Tex. Ins. Code § 541.061 (2026)

Misrepresentation Of Insurance Policy

✓ current as of May 2026

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Sec. 541.061. MISREPRESENTATION OF INSURANCE POLICY. It is an unfair method of competition or an unfair or deceptive act or practice in the business of insurance to misrepresent an insurance policy by:

(1) making an untrue statement of material fact;

(2) failing to state a material fact necessary to make other statements made not misleading, considering the circumstances under which the statements were made;

(3) making a statement in a manner that would mislead a reasonably prudent person to a false conclusion of a material fact;

(4) making a material misstatement of law; or

(5) failing to disclose a matter required by law to be disclosed, including failing to make a disclosure in accordance with another provision of this code.

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

SUBCHAPTER B-1. ADVERTISING REQUIREMENTS

Notes of Decisions

Cited in 66 cases (17 in the last 5 years), 2009–2026 · leading case: Usaa Texas Lloyds Co. v. Gail Menchaca, 545 S.W.3d 479 (Tex. 2018).

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Usaa Texas Lloyds Co. v. Gail Menchaca, 545 S.W.3d 479 (Tex. 2018). “46(b)(5), (12) ; TEX. INS. CODE § 541.061(3) - (5) ). The second context in which the benefits-lost rule might apply involves claims based on waiver and estoppel.”

in Re Allstate Cnty. Mut. Ins. Co., 447 S.W.3d 497 (Tex. App. 2014). · cites it 4× “, and Randy Croix made material misrepresentations and misstatements of law related to the insurance policy issued by Allstate to T & R Pipeline that the Briers relied on to their detriment.”

William R. & Susan M. Knoderer v. State Farm Lloyds, Penni Perkins, & Tom Roberts, 515 S.W.3d 21 (Tex. App. 2017). · cites it 2× “Tex. Ins. Code Ann. § 541.061 . State Farm asserted defenses, inter alia, based on the Knoderers’ breach of the intentional acts by the insured 5 and the concealment or fraud by the insured 6 provisions of their policy and for common law fraud.”

Texas Mut. Ins. Co. v. Ruttiger, 381 S.W.3d 430 (Tex. 2012). “Tex. Ins.Code § 541.061. TMIC asserts that section 541.”

In re Lincoln Nat'l Coi Litig., 269 F. Supp. 3d 622 (E.D. Pa. 2017). · cites it 2× “Tex. Ins. Code § 541.061 (formerly Article 21,21) provides: It is an unfair method of competition or an unfair or' deceptive act or practice in the business of insurance to misrepresent an insurance policy by: (1) making an untrue statement of material fact; (2) failing to state…”

Al Cohen v. Allstate Ins. Co., 924 F.3d 776 (5th Cir. 2019). “Cohen sued on August 14, 2017, 5 asserting (1) breach of contract; (2) misrepresentation of an insurance policy in violation of TEX. INS. CODE ANN. § 541.061 ; (3) fraud, fraudulent misrepresentation, and negligent misrepresentation; and (4) false, misleading, or deceptive acts…”

Wyly v. Integrity Ins. Solutions, 502 S.W.3d 901 (Tex. App. 2016). “50(a)(3) (West 2011); Tex. Ins. Code Ann. § 541.061 (a)(1), (2), (3) (West 2009).”

Howard v. Burlington Ins. Co., 347 S.W.3d 783 (Tex. App. 2011). · cites it 2× “See Tex. Ins.Code Ann. § 541.061(2), (3) (West 2009).”

in Re Crawford & Co., Crawford & Co. Healthcare Mgmt., Inc., Patsy Hogan & Old Repub. Ins. Co., 458 S.W.3d 920 (Tex. 2015). “at 445-46 ; see also Tex. Ins. Code § 541.061. We explained that, “[ujnlike section 541.”

In re XL Specialty Ins. Co., 373 S.W.3d 46 (Tex. 2012). “See Tex. Ins. Code § 541.061. . See Richard H.”

Ostrovitz & Gwinn, LLC v. First Specialty Ins. Co., 393 S.W.3d 379 (Tex. App. 2012). “by making an untrue statement of material fact, see Tex. Ins.Code Ann. § 541.061(1); 2. by failing state a material fact that is necessary to make other statements made not misleading, see id.”

Peacock v. AARP, Inc., 181 F. Supp. 3d 430 (S.D. Tex. 2016). “052(a); Texas Ins. Code§ 541.061; Texas Ins. Code § 541.”

Show all 66 citing cases →

— Tex. Ins. Code § 541.061(1) — 8 cases

Texas Mut. Ins. Co. v. Morris, 287 S.W.3d 401 (Tex. App. 2009).

Shore Chan Bragalone Depumpo LLP v. Greenwich Ins., 856 F. Supp. 2d 891 (N.D. Tex. 2012).

Dike v. Penn Ins. & Annuity Co., 295 F. Supp. 3d 530 (E.D. Pa. 2018).

McCalister v. United States Liab. Ins. Co. (E.D. Tex. 2024).

— Tex. Ins. Code § 541.061(2) — 5 cases

Howard v. Burlington Ins. Co., 347 S.W.3d 783 (Tex. App. 2011). “See Tex. Ins.Code Ann. § 541.061(2), (3) (West 2009).”

Vought Aircraft Indus., Inc. v. Falvey Cargo Underwriting, Ltd., 729 F. Supp. 2d 814 (N.D. Tex. 2010).

Dike v. Penn Ins. & Annuity Co., 295 F. Supp. 3d 530 (E.D. Pa. 2018).

Kruk v. Geico Ins. Agency LLC (N.D. Tex. 2024).

St. Pierre v. City of El Paso, Texas (W.D. Tex. 2020).

— Tex. Ins. Code § 541.061(3) — 7 cases

in Re Allstate Cnty. Mut. Ins. Co., 447 S.W.3d 497 (Tex. App. 2014). “, and Randy Croix made material misrepresentations and misstatements of law related to the insurance policy issued by Allstate to T & R Pipeline that the Briers relied on to their detriment.”

in Re Allstate Fire & Cas. Ins. Co. (Tex. App. 2015).

Usaa Texas Lloyds Co. v. Gail Menchaca (Tex. 2017).

Usaa Texas Lloyds Co. v. Gail Menchaca (Tex. 2018).

— Tex. Ins. Code § 541.061(4) — 1 case

Dike v. Penn Ins. & Annuity Co., 295 F. Supp. 3d 530 (E.D. Pa. 2018).

— Tex. Ins. Code § 541.061(5) — 1 case

Dike v. Penn Ins. & Annuity Co., 295 F. Supp. 3d 530 (E.D. Pa. 2018).

— Tex. Ins. Code § 541.061(a) — 1 case

Wender v. State Farm Lloyds (N.D. Tex. 2025).

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