Allstate Insurance Co. v. Watson , 37 Tex. Sup. Ct. J. 408 ( 1994 )

SPECTOR, Justice,

concurring.

Nov. 24, 1993

I concur in the Court’s judgment, but not its opinion. I would hold that a third-party claimant may proceed directly against an insurer once the claimant has established that the insured has a legal obligation to pay damages to the claimant. See State Farm County Mut. Ins. Co. v. Ollis, 768 S.W.2d 722, 723 (Tex.1989); Great American Ins. Co. v. Murray, 437 S.W.2d 264, 265 (Tex.1969). Once Kathleen Watson has obtained a judgment or settlement against the insured, she is entitled to recover for any damages she has sustained as a result of Allstate’s unfair or unlawful acts or practices. Tex.Ins. Code art. 21.21, § 16(a).