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 State’s General Revenue Fund, OPIC saved Texans $15.
为消费者节省的
费率、规则和表格的申报
Here are some of our biggest achievements of 2022:
Prevented reductions in coverage on residential property and auto policies by working with the Texas Department of Insurance (TDI) and insurance companies throughout the year. More than 120 changes were made to protect Texas consumers based on OPIC’s policy form reviews and objections.
Spoke to the House Insurance Committee during the legislative interim regarding the consumer’s right to invoke appraisal in disputes regarding the cost to repair or the amount of a total loss. Because of changes in the market in the last several years, OPIC is increasingly concerned with the eliminations and restrictions in policy form filings from top insurance companies.
我们对汽车保险单中可能导致投保人承担不必要的自付费用并面临理赔被拒风险的条款提出了异议。因我们的异议而作出的修改包括：1）保险公司对“商业用途”进行了更明确的界定，以防止投保人在从家中前往工作地点途中因该条款被拒赔；2）保留了车辆维修的替代性争议解决途径；3）提高了事故发生后保险公司对车辆拖车及保管费用支付的最高限额。
We regularly objected to numerous residential property and auto rate filings where we believe consumers are not being charged appropriate rates. In 2022, one of our objections resulted in refunds averaging $400 per policyholder.
Updated the Health Insurance Basics section of our website with more detailed information. Check out new pages about the different ways to get health insurance, including through your job, individual health insurance, membership in a group, or government programs. We also created a useful comparison chart of the four main types of health plans – HMOs, EPOs, PPOs, and POS – to help consumers decide which plan is best for them.
Updated our Auto Bill of Rights to reflect recent legislative changes.
继3月份德克萨斯州大面积地区遭受野火和龙卷风灾害后，我们推出了 《灾后援助工具包》。该工具包旨在帮助立法者、市/县官员及其他利益相关方，在恶劣天气或灾害发生后向得克萨斯州居民提供有用的信息。
Continued to collaborate with TDI on a redesign project for the HelpInsure.com website. The new website is mobile-friendly and easier to navigate for consumers shopping for auto and homeowners insurance.