Automobile Insurance
Auto Insurance News
OPIC’s 2025 Achievements
OPIC has worked hard for consumers throughout the 2025 fiscal year (Sep. 2024 through Aug. 2025). Over this period, we reviewed over 1,200 insurance rate and policy form filings submitted by insurance companies to the Texas Department of Insurance (TDI). We saved...
OPIC’s 2024 Achievements
OPIC has worked hard for consumers throughout the 2024 fiscal year (Sep. 2023 through Aug. 2024). Over the last 12 months, we reviewed almost 1,350 insurance rate and policy forms filed with the Texas Department of Insurance. We saved Texas consumers over $3 million...
Recovering From Flooding
Most homeowners, condominium, and renters insurance policies do not cover flood damage. Flood damage is covered by a flood policy issued by an insurance company or by the National Flood Insurance Program (NFIP). Flood damage to your auto is typically covered by the...
Why Are Texas Insurance Rates Increasing in 2023?
Homeowners and auto insurance policy rates have been increasing in Texas and in other states across the nation. This trend may continue. We hope this FAQ will provide greater context around the forces impacting the Texas insurance market. [dsm_text_divider header="Why...
Recovering From Hurricane Beryl
Most homeowners, condominium, and renters insurance policies do not cover flood damage. Flood damage is covered by a flood policy issued by an insurance company or by the National Flood Insurance Program (NFIP). Flood damage to your auto is typically covered by the...
OPIC’s 2023 Achievements
OPIC has worked hard for consumers throughout the 2023 fiscal year.1 Over the last 12 months, we reviewed almost 1,500 rule, rate, and policy form filings. We saved Texas consumers over $14.7 million by limiting premium increases and obtaining refunds. Indeed, for...
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 information to give to your insurance company. If you are in an accident...
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 million this past year alone, so for every $1 OPIC received from the...
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 do not agree on the amount of your claim, first contact your adjuster...
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 be, the less you’ll pay for your car insurance. Below are some of...
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Austin, Texas 78701
1-(877)-611-6742