Court Opinion

ID: 9513071
Source: CourtListenerOpinion
Date Created: 2023-08-06 22:30:09.235412+00
Date Added: 2024-06-11T09:05:42.870625
License: Public Domain

Justice WAINWRIGHT,
concurring.
In PAJ, Inc. v. Hanover Insurance Co., we held that “an insured’s failure to timely notify its insurer of a claim or suit does not defeat coverage if the insurer was not prejudiced by the delay.” 243 S.W.3d 630, 636-37 (Tex.2008). That holding largely controls the outcome of this case. I joined the dissent in PAJ. See id. at 637 (Willett, J., dissenting). And I agree with the dissent’s assertion today that contracts should be enforced in accordance with the express terms and conditions to which the parties agreed, including notice provisions that are conditions precedent. See 288 S.W.3d 383 (Johnson, J., dissenting). It is concerning that the Court’s opinion in PAJ would likely thwart even the enforcement of a policy’s notice requirement that explicitly states, “time is of the essence.” Nevertheless, PAJ is now the law of the land, and I join in the Court’s opinion today for that reason.