consumer wins

COVID-19 has had a financial impact on many Texans. We have tried to help Texas consumers by objecting to auto rate increases filed since March 2020. Our efforts have resulted in companies withdrawing their rate increase, re-filing at lower rates, and/or refunding premium. OPIC saved Texas drivers over $80 million. 

OPIC has objected to the use of old and minor criminal offenses, such as a violation for a barking dog, to improperly set the cost of auto insurance for drivers, because those offenses don’t prove a direct correlation to accident risk. After our objections, only a handful of companies still use non-driving-related criminal history to rate drivers. We are still working on this issue to make sure rates are fair to Texans.  

The Texas Gulf Coast was impacted by several hurricanes this year. OPIC created resources for those affected by Hurricane Laura and Hurricane Delta to help with the recovery and claims processes. 

in savings for consumers during pandemic

News Articles

OPIC’s 2020 Achievements

OPIC worked hard for consumers this year, analyzing over 1,400 rules, rates, and policy forms. We are a small, 10-person agency, but we did big things in 2020. We saved Texas consumers over $85...

Know Your Coverage: Trees

Hurricanes, tornadoes, and other storms frequently cause trees to fall, which can result in property damage. Falling trees can damage homes, vehicles, or other property. Here are some things to keep...

Recovering from Hurricane Delta

Hurricane Resources If you’ve evacuated during Hurricane Delta, be careful as you’re returning home. Here are some resources you may need while you’re on the road home: The Texas Department of...

Recovering from Hurricane Laura

Returning Home After Hurricane Laura Be careful as you’re returning home after Hurricane Laura. Here are some resources you may need while you’re on the road home: The Texas Department of...

5 Important Things To Do Before a Storm Hits

Before a storm hits, make sure you know the right resources to get up-to-date weather information. You can: Subscribe to national weather alerts. Download FEMA app real-time alerts from the National...

Resources for Business Owners During COVID-19

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

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...

Know Your Coverage: 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...