OPIC's 2023 Legislative Recommendations

OPIC’s 2023 Recommendations Report is out now! We recommended that the 88th Texas Legislature protect Texans by preserving consumers’ right to appraisal.

Download the report
consumer wins

OPIC's 2022 Achievements

OPIC regularly objects to homeowners and auto rate filings where we believe consumers are not being charged proper rates. In 2022, OPIC saved consumers over $15 million in the form of reduced rates, withdrawn rate increase filings, and policyholder refunds. For every $1 of our agency budget, we’ve saved Texas insurance consumers $15. Learn more about what we did in 2022.

Revamped Health Section of Website

Trying to navigate health insurance is confusing. To help, OPIC updated the Health Insurance Basics section of its website with more detailed info. Check out new pages about the different ways you can get health insurance, including through your job, individual health insurance, membership in a group, or government programs. OPIC also created a useful comparison chart of the 4 main types of health plans – HMOs, EPOs, PPOs, and POS – to help consumers decide which plan is best for them.

saved for consumers in 2022

News Articles

Will My Auto Policy Cover Me if I’m the Victim of a Hit-and-Run Accident?

In a typical car accident, the at-fault driver’s insurance company pays for injuries and property damage. In the case of a hit-and-run accident, it’s trickier if you don’t have the other driver’s...

OPIC’s 2022 Achievements

OPIC worked hard for consumers this past year, reviewing over 1,200 rules, rates, and policy forms. We are a small, 10-person agency, but we did big things in 2022. We saved Texas consumers over $15...

Ways to Resolve Your Claim Payment Disputes

If you file an insurance claim, and don’t think your insurance company is paying you enough to cover your damages, you have several different options to resolve the problem. If you and your insurer...

How is My Car Insurance Rate Calculated?

When determining the price of your insurance, companies will consider characteristics of you and your car that relate to predictions about future claims. The less risky your insurer considers you to...

Know Your Coverage: Rental Cars After an Accident

Due to supply chain issues and labor shortages, many car repair shops are experiencing longer than normal wait times. If you get into an accident and your car is damaged, you may need to rent a car...

Your Options After a Total Loss

If you get into a car accident and the insurance company declares your vehicle a “total loss,” that means that your vehicle costs more to fix than to replace. Keep in mind that insurance companies...

How Cost-Sharing Works in Health Insurance

When you get medical care, you and your health plan share the costs. Your health insurance pays for some of the costs, and you pay for the rest. You will usually pay one, or more, of these:You pay a...

5 Things Your Homeowners Insurance May Not Cover

Your homeowners insurance usually won’t pay for wear and tear to your home. For example, worn roofs, leaky windows, and overgrown or dead trees are not covered by your policy. The best way to avoid...

Don’t Fall for These Common Insurance Scams

All Texans are impacted by insurance scams. Learn how to protect yourself.[dsm_text_divider header="General Insurance Scams" text_alignment="left" divider_style="dotted" divider_weight="4px"...

Know Your Coverage: Service Line Coverage

Service line coverage is a specialized type of coverage in residential property insurance. It covers the cost of repairing or replacing utility lines, excavation, and landscape restoration in the...