Unigard Security Insurance Company, Petitioner v. Charles Schaefer, Respondents

Summary

The Texas Supreme Court affirmed the Court of Civil Appeals, holding that the Exclusion of Named Driver endorsement (119) does not eliminate the mandatory Personal Injury Protection benefits required by Article 5.06-3 of the Texas Insurance Code. The Court reasoned that the statute permits only a narrow, express written rejection of the coverage, which the endorsement does not provide, and that the statutory endorsement operates as a separate policy unaffected by other exclusions.