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 § 541.151 (2026)

Private Action For Damages Authorized

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

Sec. 541.151. PRIVATE ACTION FOR DAMAGES AUTHORIZED. A person who sustains actual damages may bring an action against another person for those damages caused by the other person engaging in an act or practice:

(1) defined by Subchapter B to be an unfair method of competition or an unfair or deceptive act or practice in the business of insurance; or

(2) specifically enumerated in Section 17.46(b), Business & Commerce Code, as an unlawful deceptive trade practice if the person bringing the action shows that the person relied on the act or practice to the person's detriment.

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

Notes of Decisions
Cited in 95 cases (27 in the last 5 years), 2006–2025 · leading case: Usaa Texas Lloyds Co. v. Gail Menchaca, 545 S.W.3d 479 (Tex. 2018).
Sort: Relevance Newest Treatment
Usaa Texas Lloyds Co. v. Gail Menchaca, 545 S.W.3d 479 (Tex. 2018). · cites it 3× “And fifth, an insured cannot recover any damages based on an insurer's statutory violation if the insured had no right to receive benefits under the policy and sustained no injury independent of a right to benefits. A. The General Rule The general rule is that an insured cannot…”
Garcia v. State Farm Lloyds, 287 S.W.3d 809 (Tex. App. 2009). · cites it 4× “2008); TEX. INS. CODE ANN. § 541.151 (Vernon Pamphlet 2008).”
Brown & Brown of Texas, Inc. v. Omni Metals, Inc., 317 S.W.3d 361 (Tex. App. 2010). · cites it 2× “" TEX. INS.CODE ANN. § 541.151 (Vernon 2009).”
Dr. Behzad Nazari, D.D.S. v. State, 561 S.W.3d 495 (Tex. 2018). “953 (providing for the State's recovery of restitution and civil penalties for violations of the Deceptive Trade Practices Act); Tex. Ins. Code § 541.151 (providing for civil penalties for unfair competition and deceptive acts in insurance industry); Tex.”
Sonic Sys. Int'l, Inc. v. Croix, 278 S.W.3d 377 (Tex. App. 2009). · cites it 2× “Laws 2988 , 3000-001 (repealed and recodi-fied 2003) (current version at Tex. Ins.Code Ann. § 541.151 (Vernon Supp.”
Robert Primo v. Great Am. Ins. Co., 455 S.W.3d 714 (Tex. App. 2014). · cites it 4× “Tex. Ins. Code Ann. § 541.151 (West 2009).”
Peacock v. AARP, Inc., 181 F. Supp. 3d 430 (S.D. Tex. 2016). · cites it 2× “” Tex Ins. Code § 541.151. Another is section 541.”
Nat'l Sec. Fire & Cas. Co. v. Hurst, 523 S.W.3d 840 (Tex. App. 2017). “Tex. Ins. Code § 541.151. “The prohibited conduct includes ‘failing to attempt in good faith to effectuate a prompt, fair, and equitable settlement of a claim with respect to-which the insurer’s liability has become reasonably clear.”
United Servs. Auto. Ass'n v. Joseph Hayes, Jr & Joanne Hayes, 507 S.W.3d 263 (Tex. App. 2016). · cites it 2× “1 See TEX. INS. CODE ANN. §§ 541.151, 541.060, 542.”
Candelaria Garcia v. State Farm Lloyds & Sylvia Garza, 514 S.W.3d 257 (Tex. App. 2016). “Tex. Ins. Code Ann. § 541.151 (1) (West 2009).”
Lennar Corp. v. Great Am. Ins. Co., 200 S.W.3d 651 (Tex. App. 2006). “Laws 2988 , 3000-001 (repealed and recodified 2003) (current version at Tex. Ins.Code Ann. § 541.151 (Vernon Supp.”
Rice v. Metro. Life Ins. Co., 324 S.W.3d 660 (Tex. App. 2010). “” Tex. Ins.Code Ann. § 541.151; see id. § 541.”
Show all 95 citing cases →
— Tex. Ins. Code § 541.151(1) — 5 cases
Leyva v. Ace Am. Ins. Co., 330 S.W.3d 6 (Tex. App. 2010).
James v. Allstate Fire & Cas. Ins. Co. (N.D. Tex. 2020).
TuYo Holdings, LLC v. Transamerica Life Ins. Co. (W.D. Tex. 2022).
Unitedhealthcare Ins. Co. Unitedhealthcare of Texas, Inc. v. Acs Primary Care Physicians Sw., P.A. Hill Cnty. Emergency Med. Assocs., P.A. Longhorn Emergency Med. Assocs., P.A. Cent. Texas Emergency Assocs., P.A. Emergency Assocs. of Cent. Texas, P.A. Emergency Servs. of Texas, P.A. (Tex. 2023).
Wilson v. State Farm Mut. Auto. Ins. Co. (N.D. Tex. 2022).
— Tex. Ins. Code § 541.151(2) — 4 cases
Centaurus Unity, LP v. Lexington Ins., 766 F. Supp. 2d 780 (S.D. Tex. 2011).
Texas City Patrol, LLC v. El Dorado Ins. Agency, Inc. (Tex. App. 2016).
McArthur v. Safeco Ins. Co. of Indiana (W.D. Tex. 2022).
Arthur v. Liberty Mut. Pers. Ins. Co. (W.D. Tex. 2022).
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.