5 Ways to Save Money on Your Health Care

Health, Homepage, News

 1. Take advantage of cheaper options How much your medical visits cost depends on what type of doctor you see. Most health plans cover nurse lines, telemedicine, doctor’s office visits, urgent care clinics, and emergency rooms. However, telemedicine and nurse lines...

Will My Auto Policy Cover Me if I’m the Victim of a Hit-and-Run Accident?

Auto, Homepage, News

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

Auto, Flood, Health, Homepage, News, Residential Property

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

Auto, Homepage, News, Residential Property

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?

Auto, Homepage, News

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

Auto, Homepage, News

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...