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Click here for the full text of this decision FACTS:Texas Insurance Code Articles 5.06-1(1) and 5.06-3(a) provide that “any insured named in the policy” may reject Uninsured Motorist and Personal Injury Protection coverages. The question here is whether the insured spouse of the person listed as the “named insured” in the declarations page of a policy may reject those coverages. The court of appeals held that the spouse could not. HOLDING:Reversed and rendered. Articles 5.06-1(1) and 5.06-3(a) mandate UM and PIP coverages in Texas automobile liability insurance policies, unless those coverages are explicitly waived. This court has recognized that, because of their remedial purposes, Articles 5.06-1(1) and 5.06-3(a) should be liberally interpreted to give effect to the public policy that led to their enactment. Articles 5.06-1(1) and 5.06-3(1) contain two pertinent phrases regarding who may reject UM and PIP coverages: 1. “any insured named in the policy;” and 2. “the named insured.” The dispute thus turns on the proper meaning of the statutory phrases “any insured in the policy” and “the named insured,” which both denote the class of persons entitled to reject UM and PIP coverages under articles 5.06-1(1) and 5.06-3(a). The code does not provide a general definition for “named insured” in the context of automobile insurance. The phrase “any insured named in the policy” is also undefined and appears only twice within the entire code in Articles 5.06-1(1) and 5.06-3(a). Because the Legislature used both phrases to identify the same thing (i.e., the class of persons entitled to reject UM and PIP coverages), the court initially determines what, if anything, the Legislature intended by using different language. Considering this legislative history coupled with the Legislature’s decision not to amend the broader phrases in articles 5.06-1(1) and 5.06-3(a) when it amended and added articles 5.06 and 5.145 respectively, the court concludes that the Legislature intended to allow any named insured to reject UM and PIP coverages under Articles 5.06-1 and 5.06-3. In sum, aside from the articles “any” and “the,” the Legislature has equated “any insured named in the policy” with “the named insured” in Articles 5.06-1(1) and 5.06-3(a). Working with the presumption that the Legislature intended a reasonable result and analyzing the statutes as a whole rather than focusing on isolated provisions, the court rejects the contention that the phrases “insured named in the policy” and “named insured” can be meaningfully distinguished. The court holds that the phrase “insured named in the policy” is synonymous with “named insured” in Articles 5.06-1(1) and 5.06-3(a). The court finds it difficult to conceive that the Legislature intended for a husband to be 1. covered under a policy obtained exclusively by his wife but admittedly for his benefit; 2. entitled to recover from the insurer under the terms and policy limits set by the wife; yet, 3. not bound with respect to one aspect of the policy � the rejection of UM and PIP coverages � because his wife was not authorized to reject coverages. Based on the circumstances surrounding the enactment of Articles 5.06-1(1) and 5.06-3(a), the court concludes that the Legislature did not intend a meaning of “named insured” that would lead to this result; instead, the Legislature intended “named insured” to include the spouse of the individual named on the declarations page of an insurance policy. OPINION:Jefferson, C.J., delivered the court’s opinion.

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