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CORONAVIRUS UPDATE

Due to COVID-19, OPIC is telecommuting. We are still here to serve Texas consumers. Please send us questions at help@opic.texas.gov. You can also call toll-free at 1-877-611-6742, but response times may be slower. We thank you for your understanding. 

Resources for Business Owners During COVID-19

OPIC understands this is a difficult time for Texans. In particular, the COVID-19 pandemic raises a number of insurance questions for small business owners. We hope that the following information...

How to Reduce Your Wildfire Risk

A wildfire is an unplanned fire that burns in a natural area such as a forest, grassland, or prairie. Wildfires are often caused by humans or lightning and can happen anywhere at any time. Wildfire...

What is Roadside Assistance?

Roadside assistance helps you when your vehicle breaks down. Some companies automatically include this coverage, but it is often an optional coverage that can be added to your auto policy. It is...

OPIC’s 2019 Achievements

OPIC has been working hard for consumers this year, analyzing over 2,100 rules, rates, and policy forms. We are a small, 10-person agency, but we did big things in 2019, saving Texas consumers over...

Understanding PIP vs Med-Pay

Personal Injury Protection (PIP) and Medical Payments (Med-Pay) are auto coverages that pay regardless of who is at fault in an accident. While these coverages have some things in common, they are...

Avoid Contractor Fraud After a Disaster

After a tornado or storm, you may need to hire a contractor to fix damage to your home. It’s important to be aware of common contracting scams that occur after disasters, and how to go about the...

OPIC Staff Shop Their Policies

OPIC always encourages consumers to shop around for insurance, so we took our own advice and did the same. OPIC staff recently shopped for our own policies to see if we could get a better deal on...

What You Need to Know About Medical Codes

What Are Medical Codes? Medical codes are the way doctors and other healthcare professionals describe medical diagnoses and treatments. These codes are important for understanding how medical...

Avoiding a Car Crash

Each year over 6.5 million car accidents happen in the United States. These crashes result in 2.75 million injuries and 34,000 deaths every year (National Highway Traffic Safety Administration)....

Know Your Coverage: Air Ambulances

What is an air ambulance? Air ambulances are medical transport aircraft such as helicopters or airplanes that take patients to medical facilities. Like regular ground ambulances, air ambulances have...

Highlights and News

TDI Requests Informal Comments on OPIC's Consumer Bill of Rights for Personal Automobile Insurance

The Texas Department of Insurance (TDI) is currently seeking comments on an informal working draft of OPIC’s Consumer Bill of Rights for Personal Automobile Insurance. We have updated our Consumer Bill of Rights to be more consumer-friendly and easier to read.

The comment period for this informal working draft closes at 5:00 p.m., central time, on April 29, 2020. Submit comments to the TDI Property and Casualty Lines Office at PropertyCasualty@tdi.texas.gov or call Melissa Herman at 512-676-6728 for more information about this posting.

OPIC Staff to Telecommute due to COVID-19

For the health and safety of our staff due to COVID-19, OPIC’s office will be closed. All OPIC functions will continue as our staff will telecommute and check voicemail during regular business hours. We thank you for your understanding. We are still here to serve Texas consumers so please do not hesitate to contact us if you need anything. 

For more information on COVID-19, visit our COVID-19 FAQ page or DSHS website.

OPIC's Kimberly Donovan Named 2020 NAIC Consumer Liaison Representative

The National Association of Insurance Commissioners (NAIC) recently announced their 2020 Consumer Liaison Representatives. OPIC’s Chief Policy Analyst, Kimberly Donovan has been appointed as one of the funded Consumer Liaison Representatives. The Consumer Liaison Program “promotes consumer interaction with the NAIC’s members, the insurance industry and interested parties through the individuals’ dedication and commitment to serving the public interest,” an NAIC press release said. 

OPIC Provides Comments on TWIA Rate Recommendation

OPIC sent comments to TWIA regarding their 5% rate increase recommendation made on November 19, 2019. OPIC asks TWIA Board to delay rate vote pending additional information regarding the hurricane modelers.

OPIC’s Letter to TWIA

OPIC Creates Claims Handling Information Pages

Suffering damage or loss to your home or auto can be stressful. Filing a claim doesn’t have to be. OPIC created pages dedicated to residential property claimsfirst-party auto claims and third-party auto claims. These pages include tips on filing a claim, what to expect during the claims handling process, and what to do if there is a problem with your claim.

OPIC Provides Comments on TWIA Rate Analysis

OPIC sent comments to TWIA regarding their rate adequacy analysis on July 31, 2019. We expressed concerns with the methodologies and assumptions used, and that TWIA’s overall rate indication is inflated.

TWIA Rate Adequacy Analysis Letter