IN THE SUPREME COURT OF
Allstate Indemnity Company, Petitioner,
Pat Forth, Individually and on Behalf of
Others Similarly Situated, Respondent
On Petition for Review from the
Sixth District Court of Appeals
In this breach of contract suit, we consider whether an insured has standing to sue her insurance company for settling her medical bills in what the insured considered to be an arbitrary and unreasonable manner. In reversing the trial court and remanding the case for trial, the court of appeals concluded that the insured had standing even though the insured had no out-of-pocket expenses, and her health care providers had not, and now could not, collect any additional sum from her. 151 S.W.3d 732, 738. Because there are no allegations that the insured suffered damages or that the manner in which the insurance company settled the insured’s medical expenses caused her any injury, we conclude that the trial court was correct to dismiss her suit, and accordingly we reverse the court of appeals’ judgment.
Forth’s daughter required medical treatment in 1997
as the result of an auto accident. The personal-injury-protection (PIP) of
the trial court, Allstate filed a motion to dismiss, arguing that
The court of appeals relied on Black v. American Bankers Insurance Co. and American Indemnity Co. v. Olesijuk to support its view that the insured had standing to sue her insurance company despite its settlement of her medical claims to the apparent satisfaction of the medical providers. Both Black and Olesijuk held that the insurance companies’ obligation to pay under the respective policies was triggered by the insured’s incurrence of medical expenses and was not affected by the fact that the insured had not, in fact, had to pay those expenses. In both cases, a third party paid the medical expenses, but the respective courts concluded that such fact did not alter the obligation of the insurance company to pay under its policy. Unlike the insurance companies in Olesijuk and Black, Allstate did not question whether Forth had incurred medical expenses and did not refuse to pay the medical providers. Instead, Allstate paid the medical bills according to its own evaluation.
Forth does not claim that the manner in which Allstate settled her claim caused
her any injury, we conclude that she does not have standing in this case. Accordingly,
we reverse the court of appeals’ judgment and, without hearing oral argument, render judgment dismissing
Opinion delivered: April 21, 2006
 478 S.W.2d 434 (
 353 S.W.2d 71, 72 (Tex. Civ. App.-San Antonio 1961, writ dism’d w.o.j.).
 M.D. Anderson Cancer Ctr. v.
Novak, 52 S.W.3d 704, 708-09 (
 See Tex.
Civ. Prac. And Rem. Code '
16.004. There is no indication in the record that
 See Tex. R. App. P. 59.1