Court Opinion

ID: 9754689
Source: CourtListenerOpinion
Date Created: 2023-08-28 20:09:42.442627+00
Date Added: 2024-06-11T07:27:56.384614
License: Public Domain

SUSAN LARSEN, Justice,
concurring.
The majority is clearly right on the law. I write briefly, however, to express my concern that a seller of Texas automobile insurance need not conspicuously point out to its insured that, although good in Puer-to Rico and Canada, the policy it is selling is worthless five blocks away, in Ciudad Juarez.
Commonly, automobile insurance sold in El Paso includes an endorsement which allows casual travel in Mexico within twenty-five miles of the international border.1 Although insurance companies are free to sell insurance limiting the coverage territory, and it would seem reasonable that some drivers would want to purchase such limited coverage, it also seems reasonable that such a choice must be an informed one. Conspicuous language warning the purchaser that the policy covers no travel outside the United States or Canada2 seems like a simple addition, and one that would avoid misunderstandings such as the one that arose here. The legislature or *844State Board of Insurance would perform a service to all residents of the border in creating such a requirement.
For these reasons I concur.

. See State Farm Mutual Auto. Ins. Co. v. Zubiate, 808 S.W.2d 590, 594 (Tex.App.-El Paso 1991, writ denied).

. The policy, on page 21, reads:
The policy territory is:
1. The United States of America, its territories or possessions;
2. Puerto Rico; or
3. Canada.
To the undersigned, listing Puerto Rico seems redundant, as it has been part of the United States since 1898.