§ 15.097.Insurance Companies

The justice court insurance provision, split the same way as its district court counterpart.

Subsection (a): a suit against a fire, marine, or inland marine insurance company may be brought in the county and precinct in which all or part of the insured property was located.

Subsection (b): a suit against an accident and life insurance company or association may be brought in the county and precinct in which one or more of the insured persons resided when the injury or death occurred.

The moment of measurement is the point of subsection (b). Residence is fixed at the time of the injury or death — not at the time of suit — so a family that moves away afterwards does not lose the precinct where the loss happened, and cannot create a new one by relocating.

That is the same logic the chapter applies generally through the accrual provision, stated here for a claim where the insured person may no longer be alive to have a residence at all.

"One or more of the insured persons" handles a policy covering several lives, and lets the claimant choose among their precincts.

Note the small difference from the district court rule, which offers a life or accident claimant the insurer's principal Texas office, the county of the loss, and the residence of the policyholder or beneficiary bringing suit. This subsection names only the insured person's residence — though the option provision adds the defendant's county of residence, since this section is permissive.