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TRINITY UNIVERSAL INS. CO. v. COWAN

No. 95-1160.

945 S.W.2d 819 (1997)

TRINITY UNIVERSAL INSURANCE COMPANY and Trinity Lloyd's Insurance Company, Petitioners, v. Nicole COWAN, individually and as assignee of Gregory D. Gage, Respondent.

Supreme Court of Texas.

May 16, 1997.

Attorney(s) appearing for the Case

Ben Taylor, Dallas, Jack McKinley, Houston, for Petitioners.

Ray Chester, David Denis Griner, Austin, for Respondent.

CORNYN, Justice, delivered the opinion for a unanimous Court.

We decide in this case the meaning of two terms commonly used in insurance policies. First, we decide whether mental anguish alone is a "bodily injury" under a standard homeowners' insurance policy defining "bodily injury" as "bodily harm, sickness or disease." We conclude that, absent an allegation of physical manifestation of mental anguish, a claim of mental anguish is not a "bodily injury" as defined...

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