Can TDI make my insurance company pay my car insurance claim in Texas?

Can TDI make an insurance company pay a claim in Texas?

The Texas Department of Insurance (TDI) describes limits on what it can do about an auto insurance claim in Texas. TDI says it can help with complaints against the insurance companies, agents and adjusters it regulates.¹ TDI says it cannot make a company pay a claim unless not paying violates a law or the terms of the policy.¹ TDI also says it can’t make a company pay more than the policy allows, but it can ask the company to justify what it is paying.² TDI’s auto guide says its ability to help might be limited, for example it can’t decide who was at fault in an accident or determine damage amounts.³ Part of TDI’s text reads, and the quoted text begins mid-sentence:

Make a company pay a claim unless not paying violates a law or the terms of your policy.

What else does TDI say about claim disputes?

Topic	What TDI says
Body shops and other service providers	TDI says it cannot help with complaints about service providers, including body shops.1
A company’s estimate	TDI says a company might raise an estimate if it finds it overlooked something or gets new information.1

What the sources do not state

The sources used here do not state how TDI decides whether not paying violates a law or the terms of a policy.

Next step

TDI publishes its own text on the TDI auto insurance complaint page. The filing lookup tool is where to look up filing details for a situation.