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Ways to Resolve Your Claim Payment Disputes

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?

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...

Know Your Coverage: Rental Cars After an Accident

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 while your car is being repaired. Not all policies are the same and...

Your Options After a Total Loss

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 not only consider the cost to repair the vehicle, they often: include...

Don’t Fall for These Common Insurance Scams

Don’t Fall for These Common Insurance Scams

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OPIC’s 2021 Achievements

OPIC’s 2021 Achievements

OPIC worked hard for consumers this past year, analyzing over 1,100 rules, rates, and policy forms. We are a small, 10-person agency, but we did big things in 2021. We saved Texas consumers over $11.4 million last year alone, so for every $1 OPIC received from the...

5 Things To Do Before Buying a Used Car

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 reported as a salvage vehicle by participating NICB member insurance...

OPIC Recommendations Adopted During the 87th Texas Legislative Session

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 Legislature passed both of OPIC’s recommendations during the regular...

How to Prepare for Spring Storms

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 you protect yourself, your family, and your property from injury or...

Know Your Coverage: Usage-Based Insurance (UBI)

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 some, working from home may continue even as we get through the pandemic....