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 § 541.061 (2026)

Misrepresentation Of Insurance Policy

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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.—Houston [1st Dist.] 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, 515 S.W.3d 21 (Tex. App.—Texarkana 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.—Houston [14th Dist.] 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.—Dallas 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.—Dallas 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
Ostrovitz & Gwinn, LLC v. First Specialty Ins. Co., 393 S.W.3d 379 (Tex. App.—Dallas 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.”
Texas Mut. Ins. Co. v. Morris, 287 S.W.3d 401 (Tex. App.—Houston [14th Dist.] 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., No. 6:24-cv-00208 (E.D. Tex. Sept. 27, 2024).
Tex. Ins. Code § 541.061(2): 5 cases
Howard v. Burlington Ins. Co., 347 S.W.3d 783 (Tex. App.—Dallas 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, No. 3:22-cv-02738 (N.D. Tex. Apr. 22, 2024).
St. Pierre v. City of El Paso, No. 3:19-cv-00223 (W.D. Tex. May 28, 2020).
Tex. Ins. Code § 541.061(3): 7 cases
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.—Houston [1st Dist.] 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., No. 01-15-00003-CV (Tex. App.—Houston [1st Dist.] Jan. 2, 2015).
Usaa Texas Lloyds Co. v. Gail Menchaca, No. 14-0721, 2017 WL 1311752 (Tex. Apr. 7, 2017).
Usaa Texas Lloyds Co. v. Gail Menchaca, No. 14-0721 (Tex. Apr. 13, 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, No. 3:24-cv-02450 (N.D. Tex. Jan. 13, 2025).
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