Texas Codes

Tex. Ins. Code § 541.162 (2026)

Limitations Period

✓ current as of May 2026

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Sec. 541.162. LIMITATIONS PERIOD. (a) A person must bring an action under this chapter before the second anniversary of the following:

(1) the date the unfair method of competition or unfair or deceptive act or practice occurred; or

(2) the date the person discovered or, by the exercise of reasonable diligence, should have discovered that the unfair method of competition or unfair or deceptive act or practice occurred.

(b) The limitations period provided by Subsection (a) may be extended for 180 days if the person bringing the action proves that the person's failure to bring the action within that period was caused by the defendant's engaging in conduct solely calculated to induce the person to refrain from or postpone bringing the action.

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

SUBCHAPTER E. ENFORCEMENT BY ATTORNEY GENERAL

Notes of Decisions

Cited in 48 cases (23 in the last 5 years), 2006–2025 · leading case: Lillian Smith v. Travelers Cas. Ins. Co., 932 F.3d 302 (5th Cir. 2019).

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Lillian Smith v. Travelers Cas. Ins. Co., 932 F.3d 302 (5th Cir. 2019). · cites it 2× “50(c) and (d), and Tex. Insur. Code § 541.162, and Tex. Civ.”

Peacock v. AARP, Inc., 181 F. Supp. 3d 430 (S.D. Tex. 2016). · cites it 2× “Claims under Chapter 541 must be brought within two years of “(1) the date the unfair method of competition or unfair or deceptive act or practice occurred; or (2) the date the person discovered or, by the exercise of reasonable diligence, should have discovered that the unfair…”

Westview Drive Investments, LLC & Jack Yetiv v. Landmark Am. Ins. Co., & King-Phillips Ins. Agency, Inc. AKA Insurtrust Ins., 522 S.W.3d 583 (Tex. App. 2017). “565 (West 2011) (DTPA limitations); Tex. Ins. Code Ann. § 541.162 (West 2009) (limitations'for violations of Chapter 541 of the Insurance Code).”

Gallier v. Woodbury Fin. Servs., Inc., 171 F. Supp. 3d 552 (S.D. Tex. 2016). · cites it 2× “The claims with a four-year statute of limitations are time-barred if they accrued before June 8, 2009.”

W. Reserve Life Assurance Co. of Ohio v. Graben, 233 S.W.3d 360 (Tex. App. 2007). “Tex Ins.Code Ann. § 541.162 (Vernon Supp.”

Walker v. Presidium, Inc., 296 S.W.3d 687 (Tex. App. 2009). “003(a) (Vernon 2002) (tort claims are subject to two year statute of limitations); Tex.Ins.Code Ann. § 541.162 (Vernon 2008) (two year statute of limitations for unfair method of competition or unfair or deceptive act or practice claims under the Insurance Code).”

Lozada v. Farrall & Blackwell Agency, Inc., 323 S.W.3d 278 (Tex. App. 2010). “565 (Vernon 2002); Tex. Ins.Code Ann. § 541.162 (Vernon 2009); Tex.”

Burton v. Banta Global Turnkey Ltd., 170 F. App'x 918 (5th Cir. 2006). · cites it 2× “unfair or deceptive act or practice occurred; or (2) the date the person discovered or, by the exercise of reasonable diligence, should have discovered that the .”

Vada De Jongh v. State Farm Lloyds, Inc., 664 F. App'x 405 (5th Cir. 2016). “Under Texas law, claims for breach of the duty of good faith and fair dealing and violations of the Texas Insurance Code must be brought within two years after the cause of action accrues.”

Am. Homeowner Pres. Fund, LP v. Pirkle, 475 S.W.3d 507 (Tex. App. 2015). “073 (West 2008); Tex. Ins. Code Ann. § 541.162 (West 2009); Tex.”

Castillo v. State Farm Lloyds, 210 F. App'x 390 (5th Cir. 2006). “…old Articles 21.21 and 21.55 that have been replaced with Article 541.151 et seq. of the Texas Insurance Code. See Tex. Ins.Code § 541.162(a).”

Glenn v. L. Ray Calhoun & Co., 83 F. Supp. 3d 733 (W.D. Tex. 2015). “Tex. Ins.Code Ann. § 541.162. Claims under the DTPA similarly must be commenced within two years after the date on which the false, misleading, or deceptive act or practice occurred or within two years after the consumer discovered or, in the exercise of reasonable diligence,…”

Show all 48 citing cases →

— Tex. Ins. Code § 541.162(a) — 11 cases

Burton v. Banta Global Turnkey Ltd., 170 F. App'x 918 (5th Cir. 2006). “unfair or deceptive act or practice occurred; or (2) the date the person discovered or, by the exercise of reasonable diligence, should have discovered that the .”

Gallier v. Woodbury Fin. Servs., Inc., 171 F. Supp. 3d 552 (S.D. Tex. 2016). “The claims with a four-year statute of limitations are time-barred if they accrued before June 8, 2009.”

Susan Sideman v. Farmers Grp., Incorporate (5th Cir. 2018).

RZQ, L.L.C., Hameed Quraishi, M.D., Rafath Quraishi, M.D., Aadam Quraishi, M.D., & Advanced Med. Imaging, L.L.C. v. McClelland & Hine, Inc. (Tex. App. 2021).

— Tex. Ins. Code § 541.162(a)(1) — 4 cases

Beaumont Lamar Apts., LLC v. Wallis Bank (N.D. Tex. 2024).

Regal Ctr. LLC v. Fid. Nat'l Title Ins. Co. (N.D. Tex. 2024).

Chaudhary v. Chubb & Son, Inc. (S.D. Tex. 2021).

Patriot Logistics v. Travelers Prop. & Cas. Co. of Am.<b><font color=\red\">CASE ADMINISTRATIVELY CLOSED</font></b>" (S.D. Tex. 2022).

— Tex. Ins. Code § 541.162(a)(2) — 3 cases

Sutton Place 1 Townhouse C/O Dana Props. v. AmGuard Ins. Co. D/B/A Berkshire Guard Ins. Co. (W.D. Tex. 2023).

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

Gonzalez v. State Farm Life Ins. Co. (W.D. Tex. 2022).

— Tex. Ins. Code § 541.162(b) — 1 case

Sutton Place 1 Townhouse C/O Dana Props. v. AmGuard Ins. Co. D/B/A Berkshire Guard Ins. Co. (W.D. Tex. 2023).

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