Texas car insurance rules: open dataset
40 receipts · verified
What this is
The Texas rules behind every page on this site, one record per rule: the value, the agency that publishes it, the verbatim quote and a link to the government page it comes from.
246 facts from 40 government sources, last retrieved October 2026.
How facts are verified
Each record stores a verbatim quote from a Texas government source. On the retrieval date, the quote was found in the text of that source page. Facts that may have changed since are flagged internally and left out of this dataset.
Licence
Free to copy, share and adapt, including commercially, if you credit TLDR Insurance.CC BY 4.0
All facts
Requirements
| Fact | Value | Agency | Source |
|---|---|---|---|
| Minimum bodily injury liability per person | $30,000 | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Minimum bodily injury liability per collision | $60,000 | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Minimum property damage liability per collision | $25,000 | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Texas minimum liability limits, as described by TDI | 30/60/25 | Texas Department of Insurance | Open source |
| Ways to establish financial responsibility | 5 options | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Cash or securities deposit with the comptroller | $55,000 | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Proof of insurance shown on a phone | accepted | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Presumption when proof is not shown | presumed violation | Texas Legislature (Texas Constitution and Statutes) | Open source |
| State insurance verification program | TexasSure | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Officer must try to verify coverage before citing | required | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Uninsured/underinsured motorist coverage must be provided or offered | insurer must provide unless rejected in writing | Texas Legislature (Texas Constitution and Statutes) | Open source |
| How uninsured motorist coverage can be declined | in writing | Texas Legislature (Texas Constitution and Statutes) | Open source |
| TDI on uninsured/underinsured motorist coverage | must be offered | Texas Department of Insurance | Open source |
| Personal injury protection (PIP) in Texas auto policies | included unless rejected in writing | Texas Department of Insurance | Open source |
| Policies under 30 days cannot be used for license, registration or inspection | 30 days | Texas Legislature (Texas Constitution and Statutes) | Open source |
| What the assigned risk plan (TAIPA) provides | assignment of insurance | Texas Legislature (Texas Constitution and Statutes) | Open source |
| TAIPA eligibility: rejections by other insurers | 2 insurers | Texas Legislature (Texas Constitution and Statutes) | Open source |
| TAIPA eligibility: time window for the two rejections | 60 days | Texas Automobile Insurance Plan Association | Open source |
| Liability limits available through TAIPA | 30/60/25 | Texas Automobile Insurance Plan Association | Open source |
| Physical damage coverage through TAIPA | not available | Texas Automobile Insurance Plan Association | Open source |
| Coverages TDI says TAIPA sells | liability, PIP, UM/UIM | Texas Department of Insurance | Open source |
| Policy term available through TAIPA | annual only | Texas Automobile Insurance Plan Association | Open source |
| How to apply to TAIPA | through an insurance agent | Texas Automobile Insurance Plan Association | Open source |
| Cheaper policy outside TAIPA after a clean record | 3 years | Texas Department of Insurance | Open source |
| TAIPA eligibility: driver license | valid license or SR-22 request | Texas Automobile Insurance Plan Association | Open source |
SR-22
| Fact | Value | Agency | Source |
|---|---|---|---|
| SR-22 through TAIPA | available | Texas Automobile Insurance Plan Association | Open source |
| What an SR-22 is | certificate | Texas Department of Public Safety | Open source |
| How long an SR-22 must be maintained | 2 years | Texas Department of Public Safety | Open source |
| SR-22 duration runs from the most recent conviction | 2 years | Texas Department of Public Safety | Open source |
| Time already elapsed counts toward the two years | 1 year remaining (example) | Texas Department of Public Safety | Open source |
| New conviction can extend the SR-22 period | may be extended | Texas Department of Public Safety | Open source |
| Situations where DPS requires an SR-22 filing | crash suspension, repeat no-insurance conviction, or civil judgment | Texas Department of Public Safety | Open source |
| Convictions that can require an SR-22 | DWI, drug offenses, DWLI, repeat no-insurance | Texas Department of Public Safety | Open source |
| SR-22 with a security deposit after a crash | required | Texas Department of Public Safety | Open source |
| Prepaid policy needed when filing after a crash with a security deposit | 6 months, prepaid | Texas Legislature (Texas Constitution and Statutes) | Open source |
| SR-22A certification of a prepaid policy | SR-22A | Texas Department of Public Safety | Open source |
| An insurance card cannot replace an SR-22 | not accepted | Texas Department of Public Safety | Open source |
| Who tells DPS when an SR-22 ends | insurance provider | Texas Department of Public Safety | Open source |
| What can happen if an SR-22 is cancelled, terminated or lapses | driving privilege and registration may be suspended | Texas Department of Public Safety | Open source |
| Re-suspension after an SR-22 lapse | new SR-22 and $100 fee | Texas Department of Public Safety | Open source |
| Earliest termination of a certified policy | sixth day after DPS receives notice | Texas Legislature (Texas Constitution and Statutes) | Open source |
| SR-22 without owning a vehicle | non-owner SR-22 available | Texas Department of Public Safety | Open source |
| Availability of SR-22 filings | not offered by all insurers | Texas Department of Public Safety | Open source |
| Who files an SR-22 | insurer files with DPS | Texas Department of Public Safety | Open source |
| DPS processing time for an SR-22 | up to 21 business days | Texas Department of Public Safety | Open source |
| Checking whether DPS received and processed an SR-22 | License Eligibility page | Texas Department of Public Safety | Open source |
| Reinstatement fee paired with an SR-22 | $100 | Texas Department of Public Safety | Open source |
| SR-22 waiver for a repeat no-insurance conviction when insured | waived with proof | Texas Department of Public Safety | Open source |
| SR-22 after a judgment suspension | if under 2 years since judgment | Texas Department of Public Safety | Open source |
| Registration suspension after a license suspension | avoided by filing proof | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Proof needed before certain Chapter 601 suspensions can end | required | Texas Legislature (Texas Constitution and Statutes) | Open source |
| SR-22 after a conviction for driving while license invalid | required, 2 years | Texas Department of Public Safety | Open source |
DUI
| Fact | Value | Agency | Source |
|---|---|---|---|
| Surcharge after an ALR suspension | none | Texas Department of Public Safety | Open source |
| DWI first offense classification and minimum confinement | 72 hours minimum confinement | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Maximum punishment for a Class B misdemeanor | $2,000 fine; up to 180 days in jail | Texas Legislature (Texas Constitution and Statutes) | Open source |
| DWI with alcohol concentration of 0.15 or more | Class A misdemeanor | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Maximum punishment for a Class A misdemeanor | $4,000 fine; up to 1 year in jail | Texas Legislature (Texas Constitution and Statutes) | Open source |
| DWI with one prior intoxication conviction | 30 days minimum confinement | Texas Legislature (Texas Constitution and Statutes) | Open source |
| DWI with prior intoxication manslaughter or two other prior convictions | third-degree felony | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Court-set license suspension after a first DWI conviction | 90 days to 1 year | Texas Legislature (Texas Constitution and Statutes) | Open source |
| License suspension for an enhanced DWI under Penal Code 49.09(a) or (b) | 180 days to 2 years | Texas Legislature (Texas Constitution and Statutes) | Open source |
| License suspension for an enhanced DWI that is also subject to Penal Code 49.09(h) | 1 to 2 years | Texas Legislature (Texas Constitution and Statutes) | Open source |
| When a court-set DWI suspension begins | within 30 days after conviction | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Credit for an ALR refusal suspension toward the DWI suspension | credit applies | Texas Legislature (Texas Constitution and Statutes) | Open source |
| DWI conviction and ALR suspension can both apply | separate suspensions possible | Texas Department of Public Safety | Open source |
| License suspension for a driver under 21 convicted of DWI | 1 year | Texas Department of Public Safety | Open source |
| Deadline to submit alcohol education completion after a DWI conviction | 180 days from conviction | Texas Department of Public Safety | Open source |
| SR-22 requirement after a DWI conviction | 2 years | Texas Department of Public Safety | Open source |
| Court may require an ignition interlock device on community supervision | court may require | Texas Legislature (Texas Constitution and Statutes) | Open source |
| When the court must require an ignition interlock device | court shall require in listed cases | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Interlock restricted license | required to drive with an interlock | Texas Department of Public Safety | Open source |
| Who pays for an ignition interlock device | the driver, unless the court finds otherwise | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Interlock restriction on an occupational license after DWI or ALR | automatic | Texas Department of Public Safety | Open source |
| ALR suspension for refusing a breath or blood specimen | 180 days | Texas Legislature (Texas Constitution and Statutes) | Open source |
| ALR refusal suspension with a prior alcohol or drug enforcement contact | 2 years | Texas Legislature (Texas Constitution and Statutes) | Open source |
| ALR suspension for failing a breath or blood test (adult, no prior contact) | 90 days | Texas Legislature (Texas Constitution and Statutes) | Open source |
| ALR suspension for failing a test with a prior alcohol or drug enforcement contact | 1 year | Texas Legislature (Texas Constitution and Statutes) | Open source |
| ALR suspension for a minor with no prior listed convictions | 60 days | Texas Legislature (Texas Constitution and Statutes) | Open source |
| When an ALR refusal suspension takes effect | 40th day after notice | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Deadline to request an ALR hearing | 15 days after receiving notice | Texas Legislature (Texas Constitution and Statutes) | Open source |
| DPS statement of the ALR hearing deadline | 15 days of receiving the DIC-25 | Texas Department of Public Safety | Open source |
| Effect of requesting an ALR hearing | suspension stayed | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Missing the ALR hearing | affirmative finding, final | Texas Department of Public Safety | Open source |
| ALR reinstatement fee | $125 | Texas Legislature (Texas Constitution and Statutes) | Open source |
| ALR fee when the suspension is rescinded | not required | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Acquittal and the ALR suspension | suspension may not be imposed or is rescinded | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Refund of ALR fees after a negative hearing finding | refunded | Texas Department of Public Safety | Open source |
| Hearing on an occupational license petition after a DWI conviction | court hearing required | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Occupational license denial: repeat intoxication convictions | more than once in 10 years | Texas Legislature (Texas Constitution and Statutes) | Open source |
Coverage lapse
| Fact | Value | Agency | Source |
|---|---|---|---|
| Fine range for a first driving-uninsured conviction | $175 to $350 | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Fine range for a repeat driving-uninsured conviction | $350 to $1,000 | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Fine reduction for first offense when unable to pay | below $175 | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Defense when valid coverage existed at the time | charge dismissed | Texas Legislature (Texas Constitution and Statutes) | Open source |
| License suspension after a second driving-uninsured conviction | 2 years | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Waiver of the proof requirement if insured at the time of arrest | waivable | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Vehicle impoundment after a second driving-uninsured conviction | required | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Length of impoundment | 180 days | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Proof of coverage needed to release an impounded vehicle | 2 years | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Daily reimbursement fee for impoundment | $15 per day | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Registration requires proof of financial responsibility | required | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Passing inspection requires proof of financial responsibility | required | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Driver Responsibility Program status | repealed | Texas Department of Public Safety | Open source |
| Licenses suspended only for unpaid surcharges | reinstated | Texas Department of Public Safety | Open source |
| Penalty for driving without required proof on file | a fine of up to $500, up to 6 months in county jail, or both | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Insurer may cancel for non-payment of premium | permitted | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Cancellation notice period for non-payment | 10 days | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Early cancellation window for personal auto policies | 60 days | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Reinstating a policy cancelled for non-payment | 60 days | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Coverage during a lapse before reinstatement | none until payment received | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Deadline to refund unearned premium on a cancelled auto policy | 15th business day | Texas Legislature (Texas Constitution and Statutes) | Open source |
Suspended license
| Fact | Value | Agency | Source |
|---|---|---|---|
| License suspension after a drug or controlled substance conviction | 90 days | Texas Department of Public Safety | Open source |
| Reinstatement fee for a departmental suspension | $100 | Texas Department of Public Safety | Open source |
| Reinstatement fee for a safety responsibility suspension | $100 | Texas Department of Public Safety | Open source |
| Reinstatement fee for an ALR suspension | $125 | Texas Department of Public Safety | Open source |
| Reinstatement fee for an education program suspension | $100 | Texas Department of Public Safety | Open source |
| Statutory reinstatement fee after a suspension or revocation under Chapter 521, Subchapter N | $100 | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Statutory reinstatement fee after a Chapter 601 suspension | $100 | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Multiple reinstatement fees can apply | $225 (example: ALR plus safety responsibility) | Texas Department of Public Safety | Open source |
| When reinstatement fees must be paid | before applying, renewing or upgrading | Texas Department of Public Safety | Open source |
| Waivers and installment plans for reinstatement fees | not permitted | Texas Department of Public Safety | Open source |
| Paying reinstatement fees at a driver license office | not possible | Texas Department of Public Safety | Open source |
| How to check license eligibility and what is owed | DPS License Eligibility page | Texas Department of Public Safety | Open source |
| When eligibility status shows eligible | after compliance items processed and suspension period ended | Texas Department of Public Safety | Open source |
| Driving while license invalid: when the offense applies | offense | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Base classification of driving while license invalid | Class C misdemeanor | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Maximum fine for a Class C misdemeanor | $500 | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Driving while license invalid with a prior DWLI conviction | Class B misdemeanor | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Driving while license invalid while also uninsured | Class B misdemeanor | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Driving while license invalid after an intoxication-related suspension | Class B misdemeanor | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Departmental suspension for an offense or crash while license invalid | 90 days | Texas Department of Public Safety | Open source |
| Length of a mandatory DWLI suspension | up to 2 years | Texas Department of Public Safety | Open source |
| Deadline to request a hearing on a departmental DWLI suspension | 20 days of the original notice | Texas Department of Public Safety | Open source |
| Hearing for a mandatory DWLI suspension | not available | Texas Department of Public Safety | Open source |
| License suspension after a crash without insurance | criteria apply | Texas Department of Public Safety | Open source |
| Crash damage threshold for a Safety Responsibility suspension | $1,000 | Texas Department of Public Safety | Open source |
| Deadline to request a hearing on a crash suspension | 20 days after the notice | Texas Department of Public Safety | Open source |
| Insurer cancellation when a license or registration is suspended | permitted | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Endorsement excluding the suspended driver | insurer may not cancel if named insured consents | Texas Legislature (Texas Constitution and Statutes) | Open source |
| What an occupational license allows | work, essential household duties, school | Texas Department of Public Safety | Open source |
| Who is eligible to apply for an occupational license | suspended, revoked or cancelled for a cause other than medical | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Occupational license and commercial vehicles | not authorized | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Where to petition for an occupational license | justice, county or district court | Texas Department of Public Safety | Open source |
| The court order is not the license itself | order must be submitted to DPS | Texas Department of Public Safety | Open source |
| Documents DPS requires for an occupational license | petition, court order, SR-22, fees | Texas Department of Public Safety | Open source |
| Fee for issuing or renewing an occupational license | $10 | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Maximum length of an occupational license | 2 years | Texas Department of Public Safety | Open source |
| Court filing cost for an occupational license petition | court's civil filing fee or statement of inability to pay | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Occupational license petition denial for no proof of financial responsibility | judge may deny | Texas Legislature (Texas Constitution and Statutes) | Open source |
No down payment
| Fact | Value | Agency | Source |
|---|---|---|---|
| TAIPA application and down payment | sent with the application | Texas Automobile Insurance Plan Association | Open source |
| Rate limit on premium financing | capped by Finance Code Chapter 342 | Texas Legislature (Texas Constitution and Statutes) | Open source |
| How the finance charge is computed | on the balance after the down payment | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Charges in a premium finance agreement | only authorized charges | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Premium finance agreement must state the down payment | required content | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Advertising of premium finance terms | no false, misleading or deceptive statements | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Notice before a premium finance company cancels for missed payment | 10 days minimum from mailing | Texas Legislature (Texas Constitution and Statutes) | Open source |
| When a premium finance company may cancel | failure to pay as agreed | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Minimum policy term usable as proof for inspection | 30 days | Texas Legislature (Texas Constitution and Statutes) | Open source |
After a crash
| Fact | Value | Agency | Source |
|---|---|---|---|
| How TDI says an insurer decides a car is totaled | Repair cost about the same or more than the car's value | Texas Department of Insurance | Open source |
| Insurer may total a car with a lower repair cost | Possible | Texas Department of Insurance | Open source |
| Asking the insurer for its car-value source | Can ask | Texas Department of Insurance | Open source |
| Negotiating a totaled-car value | Can try to negotiate | Texas Department of Insurance | Open source |
| Totaled-car payout basis | Car's value minus depreciation | Texas Department of Insurance | Open source |
| Totaled-car payout and a new replacement car | Not paid | Texas Department of Insurance | Open source |
| Totaled-car payout versus a loan balance | May fall short | Texas Department of Insurance | Open source |
| Cap on repair or replacement payments | Actual cash value | Texas Department of Insurance | Open source |
| TDI definition of actual cash value | Cost to replace the car minus depreciation | Texas Department of Insurance | Open source |
| Keeping a totaled car: salvage value | Subtracted from the payment | Texas Department of Insurance | Open source |
| Keeping a totaled car: title after repair | New title from TxDMV | Texas Department of Insurance | Open source |
| Nonrepairable title | Cannot be retitled or registered | Texas Department of Insurance | Open source |
| What the owner of a nonrepairable vehicle may not do | No operating, repairing or registering | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Title issued after a salvage vehicle is rebuilt | Must disclose former condition | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Insurer that acquires a salvage or nonrepairable vehicle | Must apply for a salvage or nonrepairable title | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Insurer report when the owner keeps a wrecked vehicle | before the 31st day after payment | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Choosing a repair shop | Any shop you choose | Texas Department of Insurance | Open source |
| Insurer list of preferred repair shops | Cannot be required | Texas Department of Insurance | Open source |
| Extra repair costs found at the shop | Paid if the insurer agrees with the new estimate | Texas Department of Insurance | Open source |
| Rental reimbursement coverage | Pays for a rental car while yours is stolen or being repaired | Texas Department of Insurance | Open source |
| Rental car when another driver caused the accident | Other driver's insurer pays | Texas Department of Insurance | Open source |
| Length of rental coverage from your own insurer | Time the insurer believes is reasonable | Texas Department of Insurance | Open source |
| Deadline to acknowledge a claim and start investigating | 15 days | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Deadline to accept or reject a claim | 15 business days | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Reasons required in a claim rejection notice | Reasons for the rejection | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Notice when an insurer needs more time to decide | Within the same period, with the reasons | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Outer deadline to decide after a delay notice | 45 days | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Deadline to pay after notifying the claimant it will pay | 5 business days | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Deadline to pay when payment depends on an act by the claimant | 5 business days | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Payment delay that triggers damages | 60 days | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Interest on a claim paid in violation of the prompt payment subchapter | 18 percent a year | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Kind of claim covered by the prompt payment subchapter | First-party claims | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Prompt payment law and the other driver's insurer | Does not apply | Texas Department of Insurance | Open source |
| Your options with the other driver's insurer | No contract with that insurer | Texas Department of Insurance | Open source |
| Deductible after your insurer recovers from the other driver's insurer | Might be reimbursed | Texas Department of Insurance | Open source |
| Deductible on a claim against another driver's insurer | None | Texas Department of Insurance | Open source |
| When the other driver's insurer will not pay | File a claim with your own insurer | Texas Department of Insurance | Open source |
| Uninsured or underinsured motorist coverage and car repairs | Pays when the at-fault driver had no or too little insurance | Texas Department of Insurance | Open source |
| Collision coverage when the other driver is uninsured | Pays for car repairs | Texas Department of Insurance | Open source |
| Uninsured motorist coverage and a hit-and-run | Not paid if not reported to police | Texas Department of Insurance | Open source |
| Rejecting uninsured or underinsured motorist coverage | In writing | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Collision versus uninsured/underinsured property damage coverage | Insured may recover under the coverage the insured chooses | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Time limit on expenses payable under personal injury protection | 3 years | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Time limit to sue for an injury resulting in death | 2 years | Texas Legislature (Texas Constitution and Statutes) | Open source |
| How appraisal works | Each side hires an appraiser; the two choose an umpire | Texas Department of Insurance | Open source |
| Who pays for appraisal | Policyholder pays own appraiser and half the umpire | Texas Department of Insurance | Open source |
| What appraisal can decide | Amount of damage only | Texas Department of Insurance | Open source |
| Effect of the umpire's decision in appraisal | Binding on both sides | Texas Department of Insurance | Open source |
| Disputes appraisal can be used for | Only with your own insurance company | Texas Department of Insurance | Open source |
| Duty of a driver in a crash with injury or death | Stop, return if needed, and remain at the scene | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Duty of a driver in a crash that damages an attended vehicle | Stop and remain at the scene | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Offense level for leaving a damage-only crash, by damage amount | a Class C misdemeanor if damage is under $200, a Class B misdemeanor if $200 or more | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Information a driver must give after a crash | Name, address, vehicle registration number and liability insurer's name | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Duty to help an injured person after a crash | Reasonable assistance, including transport to a physician or hospital | Texas Legislature (Texas Constitution and Statutes) | Open source |
| When a driver must notify police of a collision | Immediately, if injury, death or a vehicle that cannot be normally and safely driven | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Damage threshold for an officer's written crash report | $1,000 | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Deadline for an officer to file the crash report with TxDOT | 10 days | Texas Legislature (Texas Constitution and Statutes) | Open source |
Complaints
| Fact | Value | Agency | Source |
|---|---|---|---|
| TDI Help Line | 800-252-3439 | Texas Department of Insurance | Open source |
| First step TDI lists before a complaint | Talk to the insurance company or agent | Texas Department of Insurance | Open source |
| Telling the company why you disagree with an estimate | The company might raise the estimate | Texas Department of Insurance | Open source |
| Who TDI can help with complaints against | Insurance companies, agents and adjusters TDI regulates | Texas Department of Insurance | Open source |
| Complaints about body shops | TDI cannot help | Texas Department of Insurance | Open source |
| Whether TDI can make a company pay a claim | Only if not paying violates a law or the policy terms | Texas Department of Insurance | Open source |
| Complaints against another person's insurance company | TDI probably cannot help with liability disputes | Texas Department of Insurance | Open source |
| Complaint about another driver's insurance company | The company must write back explaining why it is denying or paying a certain way | Texas Department of Insurance | Open source |
| Deciding fault in an accident | TDI does not decide who was at fault | Texas Department of Insurance | Open source |
| Limits on TDI help with claim disputes | TDI cannot decide fault or determine damage amounts | Texas Department of Insurance | Open source |
| TDI and payment above the policy | TDI cannot make a company pay more than the policy allows | Texas Department of Insurance | Open source |
| How to file an auto insurance complaint | Online complaint system, with documents uploaded | Texas Department of Insurance | Open source |
| Form of a complaint to TDI | In writing | Texas Department of Insurance | Open source |
| Company response time to TDI on an auto complaint | 15 days | Texas Department of Insurance | Open source |
| Extension a company can request to respond to TDI | 10 days | Texas Department of Insurance | Open source |
| Company response time to TDI on auto and home complaints (other TDI page) | 25 days | Texas Department of Insurance | Open source |
| Role of the Office of Public Insurance Counsel | Represents Texas consumers' interests in insurance matters | Office of Public Insurance Counsel | Open source |
| Filing a complaint with OPIC | Not possible | Office of Public Insurance Counsel | Open source |
| OPIC legal help for individual consumers | None | Office of Public Insurance Counsel | Open source |
| Whether OPIC is part of TDI | No, an independent state agency | Office of Public Insurance Counsel | Open source |
| Complaint about a denial, cancellation or nonrenewal | May complain to TDI | Texas Department of Insurance | Open source |
| Reason for a turn-down, cancellation or nonrenewal | In writing, if you ask | Texas Department of Insurance | Open source |
| Nonrenewal notice before a policy expires (current statute) | 60 days | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Which policies the 60-day nonrenewal notice applies to | policies delivered, issued for delivery or renewed on or after January 1, 2024 | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Notice rule for policies renewed before January 1, 2024 | Prior law continued in effect | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Cancellation effective on a 12-month anniversary: notice | 60 days | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Refusing to renew a personal auto policy written for under a year | only on a 12-month anniversary | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Nonrenewal because of age | Not allowed as the sole reason | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Mandatory nonrenewal for refusing to cooperate in a liability claim | Insurer may not renew after the written notice | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Customer inquiries and nonrenewal or cancellation | May not be considered | Texas Legislature (Texas Constitution and Statutes) | Open source |
| Earliest a company can nonrenew | after the policy has been in effect for 12 months | Texas Department of Insurance | Open source |
| Claims that cannot be the basis for nonrenewal (TDI list) | Weather damage, hitting an animal, claims not reasonably blamed on you | Texas Department of Insurance | Open source |