Sentry provides undisputed argument, and the Court accepts, that Sentry's step down provision accomplishes one of the aims of Texas Insurance Code §§ 1952.251 and 1952.252, which is that "permissive users of garage vehicles are guaranteed only the minimum auto liability limits, and only to the extent that the permissive user does not have sufficient insurance on his own to meet the minimum liability limits required by law." (Dkt. No. 32 at pp. 8-9); accordSentry Select Ins. Co. v. Home State Cty. Mut. Ins. Co. , 994 F. Supp. 2d 789, 807-08 (E.D. Tex. 2013), aff'd , 582 F. App'x 284 (5th Cir. 2014). Since, for the reasons discussed supra , Ramirez has "other insurance [the Home State policy] applicable to the ‘accident’ " giving rise to the Ortiz plaintiffs’ suit against him, and that policy indisputably insures him up to the minimum liability limits required by Texas law, Sentry's step down provision relieves it of any obligation to provide primary coverage to Ramirez as a permissive user. (Dkt. No. 32 at p. 13). These sections provide as follows: