Provident American Insurance Company, Petitioner v. Denise Castañeda, Respondent

Summary

The Texas Supreme Court reversed the Court of Appeals and entered judgment for Provident American Insurance, holding that the evidence was legally insufficient to support the jury’s findings of unfair or deceptive practices under the DTPA and the Insurance Code. The Court found no evidence that the insurer lacked a reasonable basis for denying the claim or that liability was reasonably clear, and declined to treat the insurer’s pre‑approval as an actionable misrepresentation.