What is TAIPA in Texas?

What is TAIPA in Texas?

TAIPA is the Texas Automobile Insurance Plan Association. The Texas Insurance Code, published by the Texas Legislature, says the association must provide for the assignment of insurance to an authorized insurer for a person required by the Transportation Code to show proof of financial responsibility for the future.¹ TAIPA says that a person who wishes to apply for insurance through TAIPA sees an insurance agent to have the agent complete an application.³ TAIPA also says only annual policies are available through the plan.² The Texas Legislature states the purpose of the association this way:

The association shall provide for the assignment of insurance to an authorized insurer for a person required by Chapter 601 , Transportation Code, to show proof of financial responsibility for the future.

What does TAIPA sell and issue?

Item	What the sources say
Coverages sold	The Texas Department of Insurance says TAIPA sells liability, personal injury protection and uninsured/underinsured motorist coverages.4
Coverages not sold	The Texas Department of Insurance says TAIPA does not sell collision or comprehensive coverage or higher liability limits than state law requires.4
SR-22	TAIPA states that a Texas SR-22 may be issued by TAIPA on behalf of the assigned company.2

What the sources do not state

The sources used here describe what the association must provide and how its policies and applications work. They do not say how an assigned company is chosen or what a TAIPA policy costs.

Next step

The Texas Legislature publishes the purpose of the association on its page for the Insurance Code chapter on the association. The site also has a filing lookup tool.