The answer to the first question in the title is “yes”—insureds have a duty to read their insurance policy.1 The use of the term “duty” implies a legal responsibility imposed by law but from where does this duty derive? It’s certainly not in any insurance policy I have ever read. The closest answer to that question may be that in Texas, the duty for an insured to read the insurance policy has developed as a presumption. Continue Reading In Texas, Do Insureds Have A Duty To Read Their Policy And, If So, Is That Duty Absolute?
