TX

Texas Insurance Regulations

Consumer rights and insurance laws in Texas

Overview

Texas Department of Insurance oversees one of the largest insurance markets in the US. The Texas Prompt Payment of Claims Act provides strong consumer protections with strict deadlines for insurers to acknowledge, process, and pay claims.

Key Insurance Regulations in Texas

  • Modified comparative fault — barred at 51% or more fault
  • 2-year statute of limitations for personal injury and property damage
  • Mandatory auto insurance: 30/60/25 minimum liability
  • Prompt Payment of Claims Act — strict timelines for insurers

Filing an Insurance Complaint in Texas

If you believe your insurance company has acted unfairly or violated Texas insurance laws, you can file a complaint with the Texas Department of Insurance. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Texas Department of Insurance typically responds to complaints within 30 days.

Texas Department of Insurance

Insurance Commissioner: Cassie Brown

Phone: (800) 252-3439

Website: https://www.tdi.texas.gov

File a Complaint: Consumer Complaint Portal

Diminished value claims in Texas

Yes, against the at-fault driver's insurer, but not under your own collision coverage. The Texas Supreme Court held in American Manufacturers Mutual Insurance Co. v. Schaefer (2003) that the standard Texas auto policy does not owe diminished value after an adequate repair, while noting a liability claim against the other driver is different. Texas gives you only two years to sue for injury to property (Tex. Civ. Prac. & Rem. Code § 16.003), and under its proportionate responsibility rule you recover nothing if you are more than 50% responsible.

Read the Texas diminished value guide

Insurance Claim Guides for Texas

Browse our detailed insurance claim guides tailored specifically to Texas laws and regulations.

Auto Insurance Claims in TexasHome Insurance Claims in TexasHealth Insurance Appeals in TexasInsurance Denial Letter Templates in TexasDemand Letter Guide in TexasInsurance Settlement Calculator Guide in TexasDiminished Value Claims in TexasTotal Loss Dispute Guide in TexasBad Faith Insurance Claims in TexasUnderinsured Motorist Claims in TexasUninsured Motorist Claims in TexasRental Car Insurance Coverage in TexasGAP Insurance Claims in TexasInsurance Subrogation Explained in TexasPIP (Personal Injury Protection) Guide in TexasBodily Injury Claims in TexasProperty Damage Claims in TexasLiability Claim Process in TexasComprehensive Insurance Claims in TexasCollision Insurance Claims in TexasFlood Insurance Claims in TexasFire Insurance Claims in TexasTheft Insurance Claims in TexasVandalism Insurance Claims in TexasAuto Glass Insurance Claims in TexasHail Damage Insurance Claims in TexasWind Damage Insurance Claims in TexasWater Damage Insurance Claims in TexasMold Insurance Claims in TexasRoof Damage Insurance Claims in TexasFoundation Damage Claims in TexasSinkhole Insurance Claims in TexasEarthquake Insurance Guide in TexasHurricane Insurance Claims in TexasTornado Damage Insurance Claims in TexasLightning Damage Insurance Claims in TexasTree Damage Insurance Claims in TexasFence Damage Insurance Claims in TexasAppliance Breakdown Claims in TexasIdentity Theft Insurance Claims in TexasCyber Insurance Claims in TexasPet Insurance Claims in TexasTravel Insurance Claims in TexasLife Insurance Disputes in TexasDisability Insurance Claims in TexasWorkers' Compensation Claims in TexasLong-Term Care Insurance Claims in TexasDental Insurance Appeals in TexasVision Insurance Claims in TexasPrescription Drug Appeals in TexasAccident Scene Documentation in TexasInsurance Adjuster Tactics in TexasDiminished Value Calculator Guide in TexasTotal Loss Vehicle Valuation in TexasCCC Valuation Report Explained in TexasPain and Suffering Calculation in TexasMedical Bills in Auto Claims in TexasLost Wages Insurance Claims in TexasFiling a Bad Faith Insurance Lawsuit in TexasWhen to Hire a Car Accident Lawyer in TexasInsurance Claim Timeline Guide in TexasIndependent Vehicle Appraisal Guide in TexasAppraisal Clause in Auto Insurance in TexasDiminished Value by State in TexasTotal Loss Threshold by State in TexasRental Car After an Accident in TexasYour Rights During Car Repairs in TexasOEM Parts in Insurance Claims in TexasInsurance Negotiation Tactics in TexasDemand Package for Auto Claims in TexasCommon Insurance Claim Denial Reasons in TexasStatute of Limitations for Auto Claims in TexasFiling Claims in No-Fault States in TexasAt-Fault Accident Claims in TexasComparative Negligence in Claims in TexasUninsured Motorist Property Damage in TexasHit and Run Insurance Claims in TexasParking Lot Accident Claims in TexasRideshare Accident Insurance Claims in TexasCommercial Vehicle Accident Claims in TexasDeer Collision Insurance Claims in TexasFlood Car Damage Claims in TexasCatalytic Converter Theft Claims in TexasCar Break-In Insurance Claims in TexasTire Blowout Accident Claims in TexasPothole Damage Insurance Claims in TexasHail Damage Car Claims in TexasHow to Review Your Auto Insurance Policy in TexasAuto Insurance Coverage Gaps in TexasMulti-Vehicle Accident Claims in TexasDisputing Fault Determination in TexasFiling an Insurance Commissioner Complaint in TexasNegotiating Diminished Value Claims in TexasFighting a Total Loss Declaration in TexasBodily Injury Settlement Guide in TexasInsurance Fraud Prevention Guide in TexasSubstandard Auto Repair Claims in TexasTotal Loss Buy-Back Process in TexasInsurance Claims After a DUI in TexasCommercial Auto Insurance Claims in TexasStorage Unit Insurance Claims in Texas

Other State Insurance Regulations

AL — AlabamaAK — AlaskaAZ — ArizonaAR — ArkansasCA — CaliforniaCO — ColoradoCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaHI — HawaiiID — IdahoIL — IllinoisIN — IndianaIA — IowaKS — KansasKY — KentuckyLA — LouisianaME — MaineMD — MarylandMA — MassachusettsMI — MichiganMN — MinnesotaMS — MississippiMO — MissouriMT — MontanaNE — NebraskaNV — NevadaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaND — North DakotaOH — OhioOK — OklahomaOR — OregonPA — PennsylvaniaRI — Rhode IslandSC — South CarolinaSD — South DakotaTN — TennesseeUT — UtahVT — VermontVA — VirginiaWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming

Need Help with an Insurance Claim in Texas?

InsurifyAI provides claim assistance tailored to Texas insurance laws. Get demand letters, settlement estimates, and step-by-step guidance.

Get Started Free