PJC Business

PJC 101.41

C ONTRACTS

enlarge the risks covered by a policy. In other words, waiver and estoppel cannot create a new and different contract with respect to risks covered by the policy . Ulico Casualty Co. v. Allied Pilots Ass’n , 262 S.W.3d 773, 780 (Tex. 2008) (quoting Great American Reserve Insurance Co. v. Mitchell , 335 S.W.2d 707, 708 (Tex. App.— San Antonio 1960, writ ref’d)). If the court determines that the insurance case presents an instance in which waiver or estoppel may apply, those issues may be submitted. See Riggs v. Sentry Insurance , 821 S.W.2d 701, 705 (Tex. App.—Houston [14th Dist.] 1991, writ denied) (discussing estoppel instructions); Preferred Risk Mutual Insurance Co. v. Rabun , 561 S.W.2d 239, 243–44 (Tex. App.—Austin 1978, writ dism’d) (find ing elements of waiver by insurer’s agent).

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