drove her Ford Explorer from her home in Dallas, Texas to her mother's home in Ville Platte, Louisiana. Ms. Thomas had just purchased the vehicle two weeks prior to her trip. She was accompanied by her children and planned to stay for a week long visit. She and the four children arrived at approximately 10:00 p.m. and talked for a brief time with her mother *198 and her brother, Henry. Ms. Thomas' brother, Robert L. Harris, who also lived in the house, was not home when she arrived. After she and the children talked with her mother and brother, Henry, Ms. Thomas prepared for bed. She slept on the sofa in the living room. Before retiring, Ms. Thomas placed her purse and car keys on the coffee tablenext to the sofa.
At the time Ms. Thomas retired, her brother, Robert, had not returned to the residence. Ms. Thomas testified that she does not remember speaking to her brother, Robert, that night. According to Ms. Thomas, the next thing she remembers is her brother, Robert, waking her at about 10:00 a.m. the next morning to tell her "I had an accident in your truck." During the trial of the matter, it was established that Mr. Harris' drivers license was under suspension at the time of the accident.
At the time of the accident Ms. Thomas was covered by a "Texas Personal Auto Policy" issued by County Mutual Insurance Company. The "EXCLUSIONS" portion of that policy contains the following language:
A. We do not provide Liability Coverage for any person:
.