Legal Question in Insurance Law in Texas

minor fender bender with borrowed vehicle

I am a 15 year veteran auto technician. It is a hobby of mine to help those in need of vehicle repairs for a reduced fee or in certain cases free of charge. Such was the case with the repair of a senior gentleman neighbor of mine. After solving a driveability issue and intermittent electrical power fault I took the '93 Chevrolet C2500 extended cab pick up on a test run. At an obtuse angled intersection of a side street to a major thouroughfair, I have difficulty navigating the sharp turn. I backed up from the stop sign to gain a sharper angle onto the avenue and while rolling back maybe five feet or less I bumped the 2003 Saab 900s behind the truck I was driving. The contact was bumper to bumper; the result being a damaged license plate obscution and a nominal scuff line on the Saab's bumper cover not exeeding 4 inches in length. I presented my insurance to the driver of the Saab. He filed a claim against my policy. My insurance carrier contacted me to inform that they would cover the claim. A week later my carrier has contacted me to inform they are denyimg the claim and base the denial on state (Texas) law prohibiting them from accepting responsibility. I am not able to discover any information about this law via internet.

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