Policies and Disclaimers

Social Media Policy
OPIC recognizes the importance of communicating with the public online, including through social media. This document gives information to members of the public regarding OPIC’s use of online tools and social media, as required by State of Texas policies.

Privacy notification

Posts and comments on this and other social media channels operated by OPIC are public and may be viewed by all visitors. Therefore, visitors should be careful about posting any private or personally identifiable information and limit such information to the minimum necessary to communicate their message.

If you need to include private or personally identifiable information in your communications with OPIC, please contact us privately and we will follow up with you by email, telephone, or other one-to-one communication.

Postings on OPIC social media channels that include sensitive personal information are subject to removal, unless the subject of the information has given express consent for the disclosure of that information.

Moderation policy

The posts and comments on all OPIC social media channels will be monitored and moderated regularly.

A posting or comment may be removed from an OPIC social media channel at the judgment of an OPIC employee, including (but not limited to) postings or comments that:

  • contain obscenity,
  • include copyrighted material used in an infringing manner,
  • contain sensitive personal information,
  • contain offensive terms that target protected classes,
  • are threatening, harassing, or discriminatory,
  • incite or promote violence or illegal activities,
  • contain information that could reasonably be construed to compromise public safety,
  • advertise or promote a commercial product, service, or any entity or individual,
  • promote or endorse political campaigns or candidates, or
  • are off-subject or out of context.

OPIC employees who monitor and moderate content on social media channels are not required to provide an explanation for removing content, but may choose to do so.

Linking policy

Links from websites or social media channels affiliated with OPIC to any other websites do not constitute or imply endorsement of those sites, their content, or products and services associated with those sites.

Although social media tools are not clearly defined as state websites, individuals linking to or from related social media channels are strongly encouraged to adhere to 1 TAC §206.53 and the Department of Information Resources when constructing those links.

Third-party website policy

The social media tools employed by OPIC are hosted by third parties, and the use of those sites is governed by the social media providers’ own policies and terms of service.

Intellectual property rights and ownership

OPIC respects the rights of all copyright holders, and therefore, it has adopted and implemented a policy that provides for the removal of material that infringes the rights of copyright holders. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide OPIC’s Copyright Agent the following information required by the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act, 17 U.S.C. 512:

  1. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
  2. Identification of the copyright work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
  3. Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;
  4. Information reasonably sufficient to permit us to contact the complaining party;
  5. A statement that the complaining party has a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
  6. A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

For copyright inquiries please contact:  web@opic.texas.gov

Privacy Policy
OPIC maintains this Web site as a public service. This policy describes OPIC’s privacy practices regarding information collected from visitors to the site. It explains what information is collected and how that information is used. Please note that all information collected or maintained by OPIC is subject to the provisions of the Texas Public Information Act (Chapter 552, Texas Government Code). If you have questions or comments about the agency’s privacy policy, please contact us at web@opic.texas.gov by email or call us at (512) 322-4143.

  • We do not use cookies to collect information. Note: A cookie file contains unique information a web site can use to track such things as passwords, lists of pages you have visited, the date when you last looked at a specific page; or, to identify your session at a particular web site. A cookie is often used in commercial sites to identify the items selected for a specific shopping cart application.
  • If you send us an electronic mail message with a question or comment that contains personally identifying information, or fill out a form that e-mails us this information, we will only use the personally identifiable information to respond to your request and analyze trends. We may redirect your message to another government agency or person who is in a better position to answer your question.
  • For site management functions, information is collected for analysis and statistical purposes by iensemble.com, OPIC’s web site hosting service. This information is not reported or used in any manner that would reveal personally identifiable information; and, will not be released to any outside parties unless legally required to do so in connection with law enforcement investigations or other legal proceedings.

PLEASE NOTE:  that under Chapter 552 of the Texas Government Code, commonly known as the “Open Records Act,” information sent to OPIC is subject to disclosure.

Under the terms of the hosting agreement, web site statistics indicating visitor information will only be available to the agency or maintenance staff, and will not be released, provided or sold to any other party unless required by formal court order or law enforcement proceeding.

We use Log analysis tools to create summary statistics, which are used for purposes such as assessing what information is of most interest, determining technical design specifications, and identifying system performance or problem areas. The following information is collected for this analysis:

  • User Client hostname – The hostname (or IP address if DNS is disabled) of the user/client requesting access.
  • HTTP header, “user-agent” – The user-agent information includes the type of browser, its version, and the operating system it’s running on.
  • HTTP header, “referer” – The referer specifies the page from which the client accessed the current page.
  • System date – The date and time of the user/client request.
  • Full request – The exact request the user/client made.
  • Status – The status code the server returned to the user/client.
  • Content length – The content length, in bytes, of the document sent to the user/client.
  • Method – The request method used.
  • Universal Resource Identifier (URI) – The location of a resource on the server.
  • Query string of the URI – Anything after the question mark in a URI.
  • Protocol – The transport protocol and version used.
Open Records Policy
Most information and records in the custody of the Office of Public Insurance Counsel are available to the public pursuant to Chapter 552 of the Texas Government Code, commonly known as the “Open Records Act.”

The Office of Public Insurance Counsel makes every effort to respond to requests for information in a prompt and timely manner. Certain information requested may be withheld due to an exception or because it is proprietary, in which case, the Attorney General will be contacted for a ruling. If the information cannot be produced within 10 working days, the requestor will be notified of the reasonable date and time when it will be available. The requestor will also be advised in advance if any charges will be due for the information requested.

Please submit all requests in writing by using one of the following methods. You must provide contact information, including a mailing address and phone number.

Mail: Open Records Request
Office of Public Insurance Counsel
333 Guadalupe, Suite 3-120
Austin, TX 78701
Fax: (512) 322-4148
E-mail: openrecords@opic.texas.gov

Click here to access the Office of the Attorney General FAQ’s on requesting public records.

Accessibility Policy
OPIC is committed to making its web site accessible to all users. The OPIC web site at large complies with Conformance Level A (Priority 1) of the World Wide Web Consortium accessibility rating.

The OPIC web site includes the following features designed to improve accessibility for users with disabilities:

  • Images on the site contain “alt tags”, which contain descriptions of the images to aid users who listen to the content of the site by using a screen reader. Text transcripts accompany video or audio clips of speeches, remarks, and the like.
  • The site’s style sheets are designed to allow users to resize the text of the site in browsers that support this feature (generally available under the View menu).
  • Documents on the OPIC site are published using Adobe Portable Document Format (PDF). All pages with PDF documents contain a link from which a free Acrobat Reader for visually impaired users may be downloaded.
  • Major redesigns are tested with accessibility and HTML validators, and other web tools. The results of such reviews are incorporated into improvements for the website.

OPIC welcomes comments on how to improve the site’s accessibility for users with disabilities. If you use assistive technology, and the format of any material on our web site interferes with your ability to access the information, please contact us to inform us of the problem. To enable us to respond in a manner most helpful to you, please indicate the nature of your accessibility problem, the preferred format in which you would like to receive the material, the web address of the requested material, and your contact information.

Compact with Texans

OPIC is a consumer advocacy agency created to represent the interests of consumers as a class on matters involving insurance rates, rules, and forms. This includes matters involving various personal lines of insurance such as auto, homeowners, title, and credit insurance. Additionally, the agency participates in rulemaking proceedings for life, accident, and health insurance.

The agency presents information at administrative proceedings such as industry-wide rate hearings, analyzes individual company rate filings, and reviews or proposes rules before the Texas Department of Insurance. The agency may file amicus briefs on issues involving a class of insurance consumers, and participates in judicial appeals if the agency participated in the case at the administrative level.

The agency communicates with consumers throughout the state as it receives requests from the Legislature, the Department of Insurance, and civic groups to attend public forums and hear about local problems. And in accordance with statutory guidance, the agency distributes annual HMO consumer report cards and consumer bills of rights.

As a customer of the Office of Public Insurance Counsel, you can expect us to:

  • Conduct our activities with integrity, comply with all applicable state and federal laws including ADA requirements, and strive to make ourselves available to all insurance consumers.
  • Provide you with professional, courteous, and efficient service.
  • Maintain a well-trained staff, keep current on insurance issues, and attend public hearings and forums.
  • Provide you with an Internet website address that contains information of consumer interest, research information, and information about the agency in general.
  • Respond to your requests for information within 5 business days or as mandated by discovery rules in contested cases.
  • Transfer your telephone calls immediately to a live person or incorporate in all voice mail systems immediate access to a live person.
  • Immediately route your requests to the appropriate agency and maintain contact with you to ensure you have been helped.
  • Respond to your electronic mail within 5 business days.
  • Strive to provide our documents in English and Spanish and in concise, easy-to-read language.
You may access OPIC information either by calling our office or by logging on to our website at http://www.opic.texas.gov. We will make available certain information on our website, including but not limited to the current annual HMO consumer report card and the Compact with Texans.  We will supply on request hard copies of anything available on our website.

We do not have statutory authority to handle individual consumer complaints regarding insurance issues, but any complaints received are forwarded to the consumer complaint division of the Texas Department of Insurance for resolution.  Complaints regarding our agency can be brought to the attention of the Public Counsel.

Customer Contact Information

You may reach us toll free at (877) 611-6742 or (512) 322-4143 or by fax at (512) 322-4148.

Our mailing address and physical location is:

Office of Public Insurance Counsel
William P. Hobby Building
333 Guadalupe, Suite 3-120
Austin, Texas 78701

Electronic mail inquiries may be sent to the following address: help@opic.texas.gov

No-Bid Contracts

A list of contracts entered into by OPIC is available for review.

Staffing and Compensation

Legislative appropriations to the agency, including interagency contracts, was $1,034,912 for fiscal year 2014 and $1,034,913 for fiscal year 2015. Executive staff compensation (not including that of the Public Counsel) is determined by the Public Counsel/Executive Director. Executive staff are not eligible for salary supplements. The methodology used by the Executive Director for determining executive compensation includes analysis of the skills required for the positions, the rate of pay for similar positions within other state agencies, and the specific performance of the executive. The OPIC average salary for senior staff is $106,000. The market average for senior staff in other agencies as referenced by the most recent government salary data for comparable positions is $125,000. A comparable market average for the private sector is $150,000 for senior staff which includes a senior economist and managing attorney. The average compensation for non-senior staff is $62,005. The percentage increase in compensation for executive staff over the five prior fiscal years from FY 2009 to FY 2013 were 9%, 8%, 6%, and 4%. The percentage change in legislative appropriations over the same periods were 4%, 0%, -8%, and 0%.