Help for Texans Looking for Automobile Insurance
Online Publication
Automobile Insurance Made Easy
Texas law requires you to have auto insurance, and if you still owe money on your vehicle, your lender demands it. This publication provides answers to frequently asked questions about auto insurance.
Automobile Insurance Price Comparisons
NOTE: Texas law requires proof of financial responsibility for anyone who drives an automobile within the state. Most Texans choose to purchase liability insurance to meet this requirement. Liability insurance pays for bodily injuries and property damage for which a driver covered by your policy is legally responsible. The minimum liability insurance required by law is $20,000 bodily injury per person, $40,000 bodily injury per accident, and $15,000 for property damage per accident. This is commonly called "20/40/15" coverage.
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Finding Coverage
- Agent Search - Find information on agents and agencies licensed by the state. Start by typing in a name or partial name to search. When searching by agent name, the last name is required. You may have to provide a first name when searching for some last names, such as Smith.
- Company Profiles/Search - Research insurance companies and HMOs.
Complaints
- Auto Insurance Online Complaint Form - Information disclosed in this form helps us resolve your complaint. Complaints requiring supporting documents should be mailed or faxed. If you file on-line, print a copy of your completed complaint form before using the "submit" button at the bottom of the form. Add that copy to any supporting documents you mail or fax. It will help speed up the process. You can expect an acknowledgement letter once your complaint form has been received.
- Helping You With Your Insurance Complaint - Each year TDI assists consumers with more than 18,000 insurance-related complaints. Because of TDI´s efforts, consumers receive millions of dollars a year in additional claim payments and refunds. This online brochure explains how we can help you with your insurance problem and how you can file a consumer complaint.
- Consumer Complaint Information/Data - Search TDI´s Internet Complaint Information System (ICIS) by (1) Summary Complaint Information by Quarter (2) Region Complaint Information by Quarter or (3) Line of Insurance.
Consumer protections against losing insurance coverage
Home and auto insurance offer security against the unexpected. So a letter telling you that your insurance company no longer will cover your home or car can be an unsettling experience. Knowing your rights about when insurance coverage can legally be discontinued can help ease that stress.
Find out more.
More Consumer Advice on Auto Insurance
Publications
En Español
Related Web Links for Auto Insurance
- Credit Information Resource Page
- Texas Automobile Insurance Plan Association - TAIPA is available for drivers who can´t find basic liability coverage elsewhere. TAIPA sometimes is called the assigned risk plan. You qualify for coverage through TAIPA only if two insurance companies reject you. A licensed insurance agent must sign your application and send it to TAIPA. TAIPA then assigns you to a company, which collects your premium and pays your claims. The company will provide coverage for as long as three years.
For more information contact: ConsumerProtection@tdi.state.tx.us
Texas Department of Insurance
