The Texas Stowers Doctrine: How Injured Texans Force Insurers to Pay Policy Limits
Texas's Stowers doctrine forces auto insurers to accept reasonable within-limits settlement demands or face uncapped liability for any excess judgment. A plain-English guide to Stowers demands, the Garcia three-element test, common Stowers traps, and how PLG uses Stowers in truck and serious-injury cases.
May 19, 2026