consumer wins
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New Auto and Homeowners Bills of Rights

Consumers deserve access to information about their insurance in plain language so they can be well informed and help make the insurance market work for them. With this in mind, OPIC updated its auto and homeowners (including renters) Consumer Bills of Rights. OPIC’s Bills of Rights are a basic outline of important rights you have under Texas law.

OPIC Recommendations Adopted During 87th Legislative Session

OPIC made two recommendations to the Legislature that would benefit Texas insurance consumers. The Legislature passed bills that addressed both recommendations during the regular Legislative session and Governor Abbott signed them into law. Learn more about the specific legislation.

2020-2021 HMO Reports Now Available

OPIC recently released its annual Health Maintenance Organization (HMO) reports. The reports, Comparing Texas HMOs 2020-2021 and Guide to Texas HMO Quality 2020-2021, provide Texans with consumer satisfaction and quality of care information about HMOs.

News Articles

Know Your Coverage: EHBs and Mandated Health Benefits

Health benefits are regulated by both the federal government and individual state governments. The federal government requires that individual and small group plans cover certain Essential Health...

Decoding Residential Property Deductibles

What is a deductible? A deductible is an amount the insurance company subtracts from your payment for damages caused by a covered loss. It is the amount you will be expected to pay if you repair or...

5 Things To Do Before Buying a Used Car

The National Crime Insurance Bureau (NICB) offers VINCheck, a “free lookup service to the public to assist in determining if a car has been reported as stolen, but not recovered, or has been...

Cheap Ways to Save Big on Claims

Damage from storms can be expensive — the average Hurricane Harvey residential property insurance claim was $13,000 and average flood insurance claim was $121,000 (TDI). However, it doesn’t have to...

OPIC Recommendations Adopted During the 87th Texas Legislative Session

OPIC released its 2020 Recommendations Report to the 87th Texas Legislature in December 2020. OPIC made two recommendations to the Legislature that would benefit Texas insurance consumers. The Texas...

How to Prepare for Spring Storms

Spring weather in Texas is unpredictable and Texans are likely to experience extreme weather events, including tornadoes, hailstorms, hurricanes, and wildfires. Here are some important tips to help...

Know Your Coverage: Usage-Based Insurance (UBI)

Are you driving less? Retirement or other lifestyle and career changes can lead to less driving. Additionally, more employees are working from home due to COVID-19, which reduces commuting. For...

Recovering from Winter Weather

This is a difficult time for many Texans and the last thing you probably want to deal with is filing an insurance claim for your home or car. We hope this information makes the claim filing process...

Don’t Borrow Trouble: Know What’s Covered

Did you know that even if you have permission to drive a borrowed car or give permission to someone to drive your car, your auto policy may not provide coverage? Consider this before you borrow...

Know Your Coverage: Telemedicine

What is telemedicine?  Telemedicine or telehealth is an increasingly popular way of getting health care because it allows people to get care without traveling to a doctor’s office or...