Fireman's Fund County Mutual Insurance Co. v. Hidi

The issue in this case is whether former Insurance Code article 21.79E, which gave insureds a right to recover deductibles from automobile insurance carriers, applies to county mutual insurance companies. The Insurance Code provides that such companies are exempt from all insurance laws except certain enumerated statutes and “such laws as are made applicable by their specific terms.” Tex. Ins. Code art. 17.22(a) (Supp.2000). Because former article 21.79E does not refer to county mutual insurance companies by its “specific terms,” we hold that it does not apply to them. We therefore reverse…