The Texas Office of Public Insurance Counsel (OPIC) acts as an advocate for insurance consumers primarily before the Texas Department of Insurance (TDI). OPIC's statutory authority is found in the Texas Insurance Code, Articles 1.35A and 1.35B and Section 38.002.

OPIC represents the interests of consumers as a class on matters involving rates, rules and policy forms affecting various personal lines of insurance such as auto, homeowners, title, and credit insurance, and in rulemaking for life, accident, and health insurance.

While OPIC does not represent individual consumers, individual complaints may point to a larger issue, suggest a pattern of insurance practices, or affect a significant number of policyholders, and therefore trigger OPIC's involvement. The agency represents consumers in hearings before the Texas Department of Insurance, the State Office of Administrative Hearings, other state agencies, and in the courts.

OPIC welcomes your comments and suggestions. And, please come visit us again soon.