TURNER, DERRICK vs. REDPOINT COUNTY MUTUAL INSURANCE COMPANY

Case Number: 202555231
Filing Date: August 5, 2025
Jurisdiction: Harris County, Texas (District Court)
Cause Type: Motor Vehicle Accident / UM-UIM Insurance Dispute

Parties

• Plaintiffs:
  • Derrick Turner A/N/F Txxxxx Txxxxx
  • Derrick Turner (individual)
  • Angela Burns (associated plaintiff)
• Defendant:
  • Redpoint County Mutual Insurance Company
    (Claim was administered/denied by Bridger Insurance Services on Redpoint’s behalf)

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Case Overview

This lawsuit arises from a hit-and-run motor vehicle collision, during which Plaintiff Derrick Turner sustained bodily injuries. At the time of the collision, Turner was insured under a valid Uninsured/Underinsured Motorist (UM/UIM) policy issued by Redpoint County Mutual Insurance Company, effective July 30, 2023 – January 30, 2024.

Turner submitted a UM/UIM claim to Redpoint. On May 30, 2024, Bridger Insurance Services, acting for Redpoint, denied the claim, asserting insufficient evidence of a covered loss, despite the policy covering hit-and-run incidents and being active at the time of the accident.

Plaintiffs maintain that the collision squarely fits the definition of a covered UM/UIM event and that Redpoint’s denial was unreasonable, unlawful, and conducted in bad faith.

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Causes of Action

Plaintiffs assert three primary causes of action:

1. Declaratory Judgment

Under Texas Civil Practice & Remedies Code Chapter 37, Plaintiffs seek a judicial declaration that:

• The unidentified driver qualifies as an uninsured/underinsured motorist; and
• Redpoint is contractually obligated to pay UM/UIM benefits under the policy.

2. Breach of Contract

Plaintiffs allege:

• A valid insurance contract existed with UM/UIM coverage.
• Plaintiffs complied with all conditions precedent.
• Defendant breached the policy by refusing to pay benefits without reasonable basis.

3. Violations of the Texas Insurance Code, Chapter 541

Plaintiffs assert that the insurer engaged in unfair claim settlement practices, including:

• Misrepresenting policy terms
• Failing to conduct a reasonable investigation
• Wrongfully and in bad faith denying the UM/UIM claim

These violations support recovery of additional damages, attorney’s fees, and potential statutory enhancements.

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Relief Requested

Plaintiffs seek:

• Declaratory judgment establishing UM/UIM coverage
• UM/UIM policy benefits
• Damages for:
  • Past/future physical pain & suffering
  • Mental anguish
  • Medical expenses
• Attorneys’ fees (Tex. CPRC § 37.009)
• Costs of suit
• Pre- and post-judgment interest
• Additional damages under the Texas Insurance Code
• Jury trial

This summary is for informational purposes only and does not constitute legal advice or commentary on the merits of the case.