No. D-2775.

885 S.W.2d 96 (1994)

CELTIC LIFE INSURANCE COMPANY, Petitioner, v. John D. COATS, Jr., Respondent.

Supreme Court of Texas.

Opinion Concurring on Rehearing November 3, 1994.

Attorney(s) appearing for the Case

Alice M. Giessel and James E. Ebanks, Houston, for petitioner.

Joe K. Longley, Tim Labadie and Philip K. Maxwell, Austin, for respondent.

Opinion Concurring on Rehearing by Chief Justice Phillips November 3, 1994.

SPECTOR, Justice, delivered the opinion of the Court, in which PHILLIPS, Chief Justice, and GONZALEZ, HIGHTOWER, HECHT, DOGGETT, CORNYN and GAMMAGE, Justices, join.

We grant John D. Coats' motion for rehearing and withdraw our prior opinion and judgment. The following is now the opinion of the Court.

This case presents three issues relating to an insurance company's liability...

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