No. 10-40820.

654 F.3d 564 (2011)

Toni HOLLINGER; Bertha Johnson; Fernando Deluna; Norma Holder; Sandra Duplant; Patricia Randolph; Plaintiff Class; All Plaintiffs, Plaintiffs-Appellants, v. HOME STATE MUTUAL INSURANCE COMPANY; Old American County Mutual Fire Insurance Company; Consumers County Mutual Insurance Company; Southern County Mutual Insurance Company; Affirmative Insurance Company; American Century Casualty Company; American Hallmark Insurance Company of Texas; American International Insurance Company; Direct General Insurance Company; Dorinco Re-Insurance Company; First Acceptance Insurance Company; General Insurance Company of America; Imperial Fire and Casualty Insurance Company; Integon National Insurance Company; Mendota Insurance Company; Middle States Insurance Company; National General Insurance Company; Republic Underwriters Insurance Company; Titan Indemnity Company; Transatlantic Re-Insurance Company; United Automobile Insurance Company; Young America Insurance Company, Defendants-Appellees, Odyssey America Reinsurance Corporation, Defendant-Appellee.

United States Court of Appeals, Fifth Circuit.

September 6, 2011.

Attorney(s) appearing for the Case

Alan B. Rich , Law Office of Alan B. Rich, Dallas, TX, Scott M. Clearman , ClearmanPrebeg, L.L.P., Houston, TX, for Plaintiffs-Appellants.

Larry Parks , Mitchell, Williams, Selig, Gates & Woodyard, Thomas Thorn Rogers , Marilyn M. Montano , Jackson Walker, L.L.P., Jennifer Barrett Poppe , Vinson & Elkins, L.L.P., Austin, TX, Nicholas H. Patton , Patton, Tidwell & Schroeder, L.L.P., Texarkana, TX, Frederick Bartlett Wulff, Sr. , Shackelford, Melton & McKinley, L.L.P., George E. Bowles , Bryce Christian Quine , Locke, Lord, Bissell & Liddell, L.L.P., Roger D. Higgins , James Logan Sowder , Thompson, Coe, Cousins & Irons, L.L.P., David Joe Schubert , Blake S. Evans , Schubert & Evans, P.C., George W. Bramblett, Jr. , Haynes & Boone, L.L.P., Russell Ray Yager , Vinson & Elkins, L.L.P., Meloney Cargil Perry , Meckler, Bulger, Tilson, Marick & Pearson, L.L.P., Randy D. Gordon , Robert M. Hoffman , Gardere Wynne Swell, L.L.P., Dallas, TX, Deron Ray Dacus , Ramey & Flock, P.C., Tyler, TX, Peter Alexander McLauchlan , Atty., Gardere Wynne Swell, L.L.P., Houston, TX, for Defendants-Appellees.

Stacy R. Obenhaus , Gardere Wynne Swell, L.L.P., Dallas, TX, for Defendant-Appellee Odyssey America Reinsurance Corporation.

Before REAVLEY, GARZA and GRAVES, Circuit Judges.


Plaintiffs, appellants and cross appellees Toni Hollinger, Bertha Johnson, Fernando Deluna, Norma Holder, Sandra Duplant, and Patricia Randolph, as class representatives (collectively "the Insured"), filed this class action case alleging violations of the Texas Insurance Code. The Insured allege insurance discrimination in the non-standard insurance market, which serves lower income individuals and those drivers with less than ideal driving records...


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