Progressive County Mutual Insurance Company, Petitioner v. Paul Sink, Respondent

Summary

The Texas Supreme Court held that the insurance policy did not provide liability coverage when the insured used a non‑family vehicle without permission as a "temporary substitute" because the ordinary meaning of that term requires the owner's consent. The trial court's judgment was affirmed and the appellate reversal was reversed. A dissent argued that the policy’s plain language should provide coverage regardless of permission.