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OPIC’s 2020 Achievements

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 million this year alone. Here are some of our biggest achievements of...

Know Your Coverage: Trees

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 in mind when dealing with damage from trees. As soon as possible,...

Recovering from Hurricane Delta

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 Transportation (TxDOT)'s DriveTexas highway map for updated road conditions...

Recovering from Hurricane Laura

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 Transportation (TxDOT)'s DriveTexas highway map for updated road conditions and...

How to Reduce Your Wildfire Risk

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 risk increases during periods of little rain and high winds. According...

Know Your Coverage: Roadside Assistance

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 important to understand what roadside assistance coverage you have and...

OPIC’s 2019 Achievements

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 $41 million. Here are some of our biggest achievements: Negotiated an...

Understanding PIP vs Med-Pay

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 different. Here are some of the key differences:Personal Injury...

What is Surplus Lines Insurance?

What is Surplus Lines Insurance?

Most property and casualty insurance policies in Texas are sold by insurance companies licensed by the Texas Department of Insurance (TDI). These companies make up what is called the “authorized” or “admitted” market. TDI reviews most of the rates and policies that...

OPIC Staff Shop Their Policies

OPIC Staff Shop Their Policies

OPIC always encourages consumers to shop around for insurance, so we took our own advice and did the same. OPIC staff recently shopped for our own policies to see if we could get a better deal on our insurance. Our goal was to save money without losing coverage....