How long does an insurance company have to respond to a TDI complaint in Texas?

How long does a Texas insurer have to respond to a TDI auto complaint?

The Texas Department of Insurance (TDI) states how long an insurance company has to respond to TDI about an auto insurance complaint in Texas. TDI says it can help with complaints against the insurance companies, agents and adjusters it regulates.¹ TDI’s auto guide says a complaint to TDI must be in writing.² TDI’s page “Get help with an auto insurance complaint” says companies have 15 days¹ to respond to TDI and can ask for an extension of 10 days¹. TDI’s page “Getting help with an insurance complaint” says auto and home insurance companies have 25 days³ to respond to TDI. The wording on the auto insurance complaint page, which contains both the response time and the extension, is:

Companies have 15 days to respond to us and can ask for a 10-day extension.

Which TDI page states which response time?

TDI page	Response time TDI states
Get help with an auto insurance complaint	15 days1 to respond, and the company can ask for an extension of 10 days1
Getting help with an insurance complaint	25 days3 for auto and home insurance companies

What the sources do not state

The sources used here do not state which of the two response times applies to a particular auto complaint, or what TDI does when a company responds late.

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.