January 24, 2026
Does insurance cover fallen tree branches?
Will insurance pay when a tree crashes down on your car or house?
Sometimes.
If a tree or branch falls on your house or car, use these tips:
- Take photos of the damage before you move the tree, make repairs, or take other steps to prevent more damage.
- Make temporary repairs to prevent more damage, and contact your agent or insurance company as soon as possible.
- Save your receipts for reimbursement. Your homeowner policy should cover materials and labor used to make repairs.
FAQ about trees that fell in your yard
A tree fell on my house and damaged my roof. Will my homeowners pay for repairs?
Many policies pay for damages from falling objects, like trees. Call your agent or company to ask if your policy will pay.
A tree fell in my yard. Will my homeowners policy pay for tree removal?
Many policies provide some coverage to remove trees or limbs that fell due to storm damage and damage your house or block your driveway. Trees and limbs falling in your yard usually aren’t covered. Call your agent or company to ask if your policy will pay.
My neighbor's tree fell on my house. Will my neighbor´s homeowners policy pay for the damage and tree removal?
Probably not, unless your neighbor was at fault. Your neighbor isn’t responsible for acts of nature. If your neighbor's policy doesn’t pay, you can file a claim under your own policy.
A tree fell on my car. Will my auto insurance pay for the damage to my car?
Your auto policy will pay for damages if you have comprehensive coverage.
If the tree was your neighbor’s, their homeowners insurance might pay if your neighbor is somehow at fault. If not, their policy likely won’t pay because your neighbor isn’t responsible for an act of nature.
Other questions? Call our Help Line at 800-252-3439.
Learn more
January 22, 2026
Auto and home insurance rate changes
Your premiums for auto and home insurance are likely different every year. This shows how much insurance companies have changed their rates on average across the state.
Private passenger auto average rate change
Source: TDI rate filing data
Homeowners average rate change
Source: TDI rate filing data
Note: includes rate changes for owner-occupied homeowners, tenants, condos, and mobile homeowners policies.
What’s the difference between a premium and a rate?
Premium – The amount you pay to an insurance company for an insurance policy.
Rate – The cost of insurance per exposure unit ($1,000 of home coverage or one year of auto coverage).
Example – A gallon of gas costs $3.50. I pay $49 to fill up my car’s 14-gallon gas tank. The premium is $49. It’s the rate ($3.50) times the unit (14 gallons).
Learn more
How are your auto and homeowners insurance costs calculated?
December 8, 2025
Fire safety for electric cars
Electric cars have different fire safety risks than traditional cars. If you have an electric car or are in the market for one, make sure you know these safety tips.
- Hire a qualified electrician to inspect your home’s electrical system to make sure it can handle the charger.
- Install a circuit that’s only used to charge your car.
- Only use chargers that are nationally certified by a qualified testing laboratory.
- Follow the manufacturer’s guidelines to maintain your car and charging equipment.
- Install charging equipment away from combustible materials and high traffic areas.
- Never use a damaged or worn charger.
- Cover the charging outlet to keep water out.
- Keep children and pets away from the charging station.
- Don’t use an extension cord with the car charger.
Severe weather safety
Electric cars are generally safe to operate and charge during bad weather. But hurricanes and other severe weather can create hazards. Before storm clouds gather, make sure your electric car is ready to drive.
- Charge your battery if you think the power might go out.
- Don’t drive an electric car through a flooded street. The water can make the battery short circuit.
- If your car was submerged in water, get it professionally inspected to be sure it’s safe to use.
- During strong winds or lightning storms, don’t charge your car under trees or structures that could fall.
- Follow the manufacturer’s instructions to keep your battery working in extreme heat or cold.
In the event of an emergency
Electric cars are engineered to be safe. But it’s still good to know what to do if there’s a fire.
- If you see smoke or flames, exit the car immediately.
- Call 911 and report the fire.
- Stay away from the car while you wait for emergency responders.
- Don’t try to extinguish the flames with water or liquid.
- Don’t get back in the car until responders say it’s safe.
- Don’t try to drive your car again until it passes a professional inspection.
Pro tip: Water and electricity are a dangerous mix because water conducts electricity. Pouring water on an electric fire makes the flames bigger and puts you at risk of electrocution. If necessary, use a CO2 or dry chemical fire extinguisher on an electric vehicle.
December 5, 2025
Prepare your home before winter’s fury hits
Winter’s cold can freeze and burst your home’s pipes, causing costly misery.
But you can prepare before the temperature falls.
Before a freeze:
- Wrap outdoor and indoor pipes in unheated areas (like a clothes washer in your garage).
- Remove water hoses and wrap outdoor pipes.
- Drain and turn off your lawn sprinkler system.
Inside, open cabinets under sinks to let your home’s heat warm the pipes. Let faucets drip from the cold and hot taps or run water through your indoor faucets – hot and cold – before you go to sleep.
If your pipes freeze, turn off the water at the shutoff valve. This prevents broken pipes from leaking into your house after they thaw.
Learn about prepping your home and car for winter’s cold in TDI's Texas Insurance Podcast.
Learn more
- Winter storms: Tips for preparing your house and pipes
- How to prevent pipes from freezing (video)
- How to make your house winter-ready
August 27, 2025
Hold on! My totaled car is worth more than insurance wants to pay
You’re already bummed by your car wreck. Now your auto insurance company wants to total your car. This means the insurance company will pay the market value of your car—instead of covering the cost of repairs.
If your company isn’t offering the amount you think your car is worth, you have some options:
- Find out what a car like yours – the same make and year – would sell for in your area. Get written quotes from used car dealers. Also, look online for cars being sold near you.
- Write down any special features or custom parts that make your car worth more. (You probably can’t count that thingie hanging from your rear-view mirror.)
- Call your insurance company or adjuster and ask if they’ll pay more than what they have offered. Give them the quotes you collected and point out the car’s special features.
- If your company won’t pay more, ask about using an appraisal process. You and the company each hires an appraiser to determine the value of your car. The appraisers choose a third appraiser to act as an umpire. The umpire rules on any disagreements. You pay for your appraiser and half of the umpire's costs.
- If you owe more than your car is worth, check your purchase documents to see if you bought gap insurance when you bought your car. You might also have loan/lease coverage in your auto policy.
If you’d rather keep your car as is, let your company know quickly. It will subtract the car’s salvage value from the original amount it was planning to pay you. You can spend your revised payment on the car or not.
Hear more expert advice about totaled cars in this Texas Insurance Podcast.
View podcast Q&A: How to deal with a totaled car
Learn more
- My car was totaled! Now what?
- Do you need gap insurance for your car? How does it work?
- How can I avoid scams when I buy a used vehicle?
August 13, 2025
Will your car’s rubber tires keep you safe from a lightning strike?
True or false: Your car’s rubber tires will protect you if lightning strikes your car.
False!
John Jensenius of the National Lightning Safety Council says it’s the type of car – not the tires – that protect you from lightning. You’re the safest in a hard-topped vehicle. When lightning hits, he says, the shock gets dispersed by your car’s metal shell and keeps the people inside safe.
Tire twist: If your car or truck has steel-belted tires, a lightning strike can blow them out.
Learn more from Jensenius about staying safe from lightning on this Texas Insurance Podcast.
Learn more
Thunderstorms: How to protect yourself from lightningJuly 5, 2025
Insurance claim tips for Texas flood victims
The Texas Department of Insurance (TDI) reminds flood victims to document damages and file insurance claims quickly.
For home damage
- If you have flood insurance and your home flooded, call your company to file a claim as soon as possible. If you have a policy through the National Flood Insurance Program (NFIP), call 877-336-2627. NFIP policies require you to file a claim within 60 days.
If you have a flood policy through your insurance company but can’t find their phone number, we can help. Call us at 800-252-3439.
- Not sure if you have flood insurance? Most home and renters policies don’t cover flood damage, but a few do. Even if you don’t have flood coverage, you might need a denial from your insurance company to apply for federal disaster assistance if it becomes available.
- File a home insurance claim if you have other damage. Most home policies cover damage from wind or falling tree limbs. They’ll also cover damage to fences.
- Take photos or video of the damage as soon as it’s safe. Don’t throw away damaged items until you talk to your insurance adjuster.
For auto damage
- File an auto claim if your car flooded. Your auto policy covers flood damage if you have comprehensive coverage.
- Take photos or video of the damage. If it’s safe to do so, also take pictures of your car in the water.
- Talk to a mechanic before trying to dry out a car that got water inside.
For FEMA assistance
Homeowners and renters with damage or other storm-related costs not covered by insurance policies may be able to apply for federal disaster assistance.
If you have insurance questions, call our Help Line at 800-252-3439 from 8 a.m. to 5 p.m. Central time, Monday through Friday.
Learn more
- Help after a disaster
- Workers’ compensation resources for Central Texas flooding
- Storm damage? Here are 10 tips you need to know (video)
- FAQ: Homeowners insurance and disaster claims
- Flooded cars: What to know about insurance claims and repairs
- Insurance for RVs: Know your coverages
- When are water damage and mold covered by insurance?
- What if my insurance isn't paying enough?
- How to avoid contracting scams
June 19, 2025
RV, pool, or boat? Insurance for your summer survival tools
Texans typically use the heat index instead of the calendar to mark the arrival of summer. Whether you wait for a 100-degree day or the official summer solstice, summer is here. Stay cool, Texas. We’ve got ideas to beat the heat and make sure your investment is insured.
Hit the road: If you’re taking your vacation on the road this year, watch our video to understand how insurance works for your home on wheels.
Hit the pool: Thinking about adding a pool or outdoor kitchen to your home? Yes, please! It’s a big investment, so talk to your insurance agent or company about getting the right coverage.
Hit the lake: With thousands of lakes and 367 miles of coastline, it's no wonder Texas is home to more than half a million recreational boats. If you have a boat, your homeowners insurance may include enough coverage. To make sure, check our tips on boat insurance.
June 6, 2025
Insurance tips for newlyweds
Recently married? We have insurance tips to get you off to a good financial start.
Home or renters insurance
Home and renters insurance are great ways to protect those nice wedding gifts. Both typically cover items damaged by a burst pipe or fire. They’ll also cover personal items stolen from your home or car.
Home and renters policies have limits on certain items like jewelry. If you want to make sure your new diamond ring is covered, you may want to add a jewelry rider, or endorsement. Ask your agent.
Auto insurance
Combining auto policies with your spouse might save you money. Most insurance companies offer a discount if you have more than one vehicle, and rates are usually lower if you’re married.
Health insurance
You have several options for health coverage. If both of you have coverage through work, compare the policies. One may have better benefits, a lower deductible, or a lower cost to add a dependent. And check to see if there’s a deadline to add a spouse.
Life insurance
As your situation changes and your family grows, you may need life insurance. Consider how much income would need to be replaced to help with childcare, your mortgage, and other debts.
May 15, 2025
Distracted drivers are dangerous. How not to be one.
Don’t you hate distracted drivers?
You know—the driver sending a text message, fiddling with the car’s radio, or eating while driving.
Distracted drivers are dangerous. TxDOT notes that in 2024, a distracted driver caused one in five car crashes on Texas roads.
To avoid distraction behind the wheel, remember:
- Texting while driving is illegal in Texas.
- If you must communicate on the move, pull over and park in a safe place.
- If a driver acts out of line, stay calm. Keep your distance and let that driver go.
- If you think another driver is dangerous to others, pull over in a safe place and call 911.
May 12, 2025
Auto insurance not renewed? You have options.
If your auto insurance is not renewed, you have options.
Your insurance provider must tell you about nonrenewal 60 days before your policy ends. This leaves time for you to shop for a policy meeting your needs and budget and have a new policy in place before your current policy expires
Tips for shopping:
- Get sample rates on TDI’s HelpInsure.com. Next, follow up with companies directly for quotes.
- Work with an independent agent who can help compare policies from different companies.
- Ask friends or family about their insurance providers.
If two insurance companies turn you down, you can get minimum coverage through the Texas Automobile Insurance Plan Association (TAIPA). Ask an agent for help getting a TAIPA policy.
Have an insurance question? Call TDI’s Help Line at 800-252-3439 weekdays from 8 a.m. to 5 p.m. Central time.
Learn more
- Was your auto insurance not renewed or canceled?
- Is your auto policy up for renewal? Here’s what to look for.
- How to shop smart for auto insurance
April 23, 2025
Insurance tips for new graduates
If you’re graduating and moving into your own house or apartment, there’s a lot to consider. Here’s what you need to know about insurance.
Protect your stuff: Renters insurance pays for your clothes, furniture, electronics, and other belongings if they’re stolen or damaged by a fire or other cause. Most renters policies also pay for your belongings if they’re stolen from your car.
Shop for auto insurance: If you need your own auto insurance, compare rates and policies. Then ask several companies for quotes. Also ask if you qualify for any discounts.
Finding health insurance: If you have a job that offers health insurance, that’s great. Be sure to ask if your doctors are in its network to avoid a big bill. Also look at the plan’s website to find hospitals and urgent care centers near you for when you need a doctor after hours.
Learn more
- Renters insurance: What does it cover and how much does it cost?
- Tips to help you shop for auto insurance
- Need health insurance? How to find a new health plan now.
April 21, 2025
TDI rate reviews save Texans millions on home and auto premiums
In Texas, the insurance industry is driven by market forces including demand for coverage, the cost of paying claims, and competition among the more than 322 companies selling home and auto insurance. Each insurance company determines the rates it charges its policyholders.
While the Texas Department of Insurance (TDI) does not set insurance rates, every year, our actuarial staff review thousands of rate filings made by insurance companies.
In 2024, TDI’s actuarial staff reviewed 2,343 rate filings. 132 filings were rejected for technical reasons, and another 174 were withdrawn by the companies.
An insurance company might withdraw a rate filing if they:
- Need more time to respond to TDI’s questions about the filing.
- Are forced to withdraw a filing because it doesn’t follow state law.
- Decide to make a new filing at a different rate.
Of the rate filings reviewed, TDI determined that 2,037 complied with Texas law. TDI staff had questions or asked companies to provide more information on 77% of filings.
This is where most of TDI’s regulatory work on rates happens—requiring insurance companies to provide more information on incomplete or insufficient filings.
This review process saves consumers on average more than $29.2 million a year.
Learn more
- How are your auto and homeowners insurance costs calculated?
- Ways to save money on home insurance
- Lower your car insurance rates: Tips for saving money
March 28, 2025
Flooded home or car? What to do next.
If your home or car has flood damage, insurance could help you recover.
Some tips for property owners:
- Take photos or video of the damage as soon as it’s safe. Don’t throw away damaged items until you talk to your insurance adjuster.
- If your home floods, call your insurance company to file a claim as soon as possible. If you have a policy through the National Flood Insurance Program (NFIP), call 877-336-2627. NFIP policies require you to file a claim within 60 days. If you can’t find your insurer’s phone number, call the TDI Help Line at 800-252-3439.
- Most home and renters policies don’t cover flood damage, but there are exceptions. Even if you lack flood coverage, you still might need a denial from your insurance company to apply for disaster assistance if available.
You can also make an insurance claim if you have other damage. Most home policies cover damage from wind or falling tree limbs. They also might cover damage to fences and other structures on your property.
If your car floods:
- File an auto insurance claim if you have comprehensive coverage; it covers flood damage.
- Take photos or video of the damage. If it’s safe to do so, also take pictures of your car in the water.
- Talk to a mechanic before trying to dry out a car that got water inside. It may have hidden damage.
Have insurance questions? Call the TDI Help Line at 800-252-3439.
Learn more
- National Flood Insurance Program: How to file a claim
- Flooded cars: What to know about insurance claims and repairs
- When are water damage and mold covered by insurance?
- Can I make an insurance claim for additional living expenses?
- Steps to getting your home or car insurance claim paid
- How to avoid contracting scams
March 7, 2025
Protect against other drivers with uninsured motorist coverage
Texas law requires drivers to have liability coverage on their vehicles.
But some drivers fail to get coverage. Warning sign: More than 2.4 million state-registered vehicles are not matched to an insurance policy. That’s 12% of the state’s registered vehicles.
So, it could pay for you to consider uninsured/underinsured motorist coverage, which insurance companies must offer when you buy auto insurance. If you don’t want it, you have to turn it down in writing.
If you add uninsured/underinsured coverage, you’ll have extra financial protection after an accident involving a driver with little or no insurance. The coverage pays your car repair and medical bills. You’ll have to pay a $250 deductible for car repair.
Related tips:
- Uninsured/underinsured coverage also pays to replace the property in your car, a rental car if you need it, your medical bills, and pain and suffering costs. If you don’t have this coverage, your collision coverage will pay to repair your car. But you won’t get these extra coverages and your deductible will likely be higher.
- If an accident leaves you with long-term care needs or you aren’t able to work, your health plan probably won’t cover those costs.
- Uninsured/underinsured motorist coverage pays if you’re in a hit-and-run accident and the other driver can’t be found to pay for damage.
- You can usually add uninsured/underinsured coverage in $5,000 increments. A rule of thumb is to add at least enough property damage coverage to replace your vehicle. Ask your agent what coverage works for you.
Learn more
- 10 insurance tips to follow after a wreck (video)
- What is uninsured motorist coverage, and do I really need it?
- Were you in a wreck? Tips for auto insurance claims
- Will your auto insurance pay after a hit-and-run crash?
February 11, 2025
Companies may offer auto insurance discounts. No law requires discounts.
Drivers should beware of auto insurance offers, often on social media, hinting at required discounts based on factors such as your age, your car’s age, or driving habits.
Dozens of Texas consumers have called the Texas Department of Insurance asking about so-called laws or regulations enabling discounts for the elderly or for driving less—sometimes only if you act quickly.
“Insurance companies may offer discounts, but no state law or rule mandates discounts or puts a time limit on them,” said Insurance Commissioner Cassie Brown. “Such claims are misleading.”
One risk: Personal information you provide in response to an ad might be going to a third-party vendor that sells your information to others.
You can avoid misinformation by shopping directly with insurance companies or agents. You can then ask about available discounts and how you can qualify.
Compare auto insurance policies and pricing at HelpInsure.com, which posts sample rates and policy terms.
If you suspect an insurance company or agent of misleading advertising, you may file a complaint with TDI. We can review the advertising.
Have an insurance question? Call TDI’s Help Line at 800-252-3439 weekdays from 8 a.m. to 5 p.m. Central time.
Learn more
- Lower your car insurance costs: Tips for saving money
- Auto insurance shopping checklist
- Ways to save money on car insurance
January 31, 2025
How to file your insurance claim
Need to make an auto or home insurance claim?
Tips to help you succeed:
- After a car accident or incident at your home, talk to your insurance company. You’ll want to discuss your options. Maybe you don’t want to file a claim. Consider your deductible—how much you pay before your insurance pays.
- If you make a claim, write down details including when you called the company, who you talked to, and your adjuster’s name. Also, make a list of documents or information the company wants from you.
- After a car accident, move your car to a safe location. Take photos of the accident scene, including your car, other involved cars, and anything that’s been hit such as trees, buildings, or street signs. Also photograph the other driver’s insurance information, driver’s license, and license plate.
- If your house is damaged, write down the time and date you first saw the damage. Also note what the weather was like at the time. Take photos of any damage. Protect your home from further damage by covering broken windows or putting a tarp over a roof hole. Don’t make permanent repairs until your company gives the OK.
- On any claim, save all receipts.
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Want more tips about making a claim? Listen to this Texas Insurance Podcast.
Learn more
- Tips for filing a claim with your insurance company
- Were you in a wreck? Tips for auto insurance claims
- Steps to getting your home or car insurance claim paid
January 13, 2025
Will your auto insurance pay after a hit-and-run crash?
Every 43 seconds someone in the U.S. is involved in a hit-and-run accident. We hope it never happens to you, but statistics show it’s something that unfortunately happens a lot. So, what can you do?
Make sure you have the right auto coverage to repair your car.
In Texas, the law requires you to have liability insurance, but that won’t pay to repair your car after an accident. Liability insurance only pays to repair the other person’s car if you’re at fault in an accident.
To get your car repaired, you’ll need a car insurance policy with collision coverage or uninsured/underinsured motorist (UM/UIM) property damage coverage. Both pay for car repairs after a hit-and-run accident. UM/UIM coverage usually has a lower deductible than collision coverage and may pay for a rental car if you need it.
If you don’t have collision or UM/UIM coverage, consider asking your agent how much they would cost to add to your policy. Read about other coverages you might need in our Auto insurance guide.
Also read: Were you in a wreck? Tips for auto insurance claims
August 22, 2024
Am I covered by insurance when I rent a scooter?
Before you rent or jump on one of those cute zippy scooters, remember these tips.
- Scooter rental companies don’t cover you in case of accident or injury. Rental agreements give you all liability. That means you could be paying for any damages and injuries, not just your own.
- Home policies usually don’t cover damage from motorized vehicles and your auto policy probably won’t extend to an electric scooter.
- Don’t forget to read your scooter rental agreement before you ride. And to be safe, wear a helmet.
So, what covers scooter accidents? Your health insurance probably will cover your injuries—though it won’t cover anyone in your path.
Learn more
- Electric scooter insurance: What to know before you hop on
- Does insurance cover ATVs and golf carts?
- Do I need insurance for a motorcycle or moped?
February 29, 2024
Texas wildfires: Insurance can cover home, auto damages.
Your insurance can apply if a wildfire damages or destroys your home or car.
Some insurance tips:
- Homeowners insurance will pay to repair or replace your home or property if it is damaged or destroyed in a fire or storm, up to the policy limits. You’ll have to pay your deductible. Damage from an explosion or smoke also is typically covered.
- If you can't stay in your home because of damage covered by your policy, your homeowners or renters policy may pay for a hotel or rental. Check your policy for limits on the coverage.
- Your car is covered if you have comprehensive coverage. Some policies will pay for a rental car if yours is damaged.
- Call your agent or read your policy to check details.
Questions? Call the Texas Department of Insurance’s Help Line at 800-252-3439, 8 a.m. to 5 p.m. Monday to Friday.
Learn more
- Steps to getting your home or car insurance claim paid
- Recovery tips
- Working with an insurance adjuster
- How to avoid contracting scams
January 11, 2024
Shopping and saving on Texas auto insurance
Your auto insurance is up for renewal and you want to lower your costs.
Here are some ways to reduce your premium:
- Seek discounts. You may be missing available discounts. Ask your insurance company about discounts for having a student driver with good grades—or for drivers in your family being accident free. Discounts can also apply if you’re insuring your home with the same company.
- Choose a higher deductible. You could reduce your premium by paying a higher deductible if you need to make a claim. Keep in mind this kind of price cut up front could mean you have to pay more out of pocket if you get into a wreck.
- Review your coverage. The various coverages in your policy add up to your total premium.
If you have collision coverage on an old car that's paid off, make sure the car’s value is worth more than what you’re paying for that coverage. And tell your insurance company if you’re working from home and no longer driving to work. They might offer a pay-per-mile policy that would save you money.
Hear more about shopping for auto insurance in the latest Texas Insurance Podcast.
Learn more
- How are your auto and homeowners insurance costs calculated?
- Lower your car insurance rates: Tips for saving money
- How you drive could save you money on car insurance
- Ask for discounts to lower your auto insurance premium amount
- What to know about deductibles
November 29, 2023
Five reasons to always lock your car or truck
Locking up your car or truck might seem a little thing. But always locking up protects you and your property.
Here’s why to lock up:
- Theft happens a lot. In the U.S., a car is stolen once every 32 seconds. And car theft went up 7% in 2022, according to the National Insurance Crime Bureau.
- Theft costs money. The average loss per Texas motor vehicle theft topped $12,000 in 2020.
- Leave your keys, risk your ride. Driver error, such as keys left in a vehicle or leaving it unlocked, is a factor in about half of all auto thefts. In Texas in 2017 through 2019, more than 17,000 stolen vehicles involved keys left in the car or truck.
- Burglaries happen fast. A criminal can grab valuables in seconds. The crime that police call “sliding” targets unlocked cars briefly parked at stores such as gas stations. A thief sneaks up one side of the vehicle, opens a door, slides in, takes items, and slips away.
- Lock up as soon as you’re in your car. Car or truck doors may automatically lock once you’re driving. But locking up as soon as you get in the driver’s seat better protects you from surprise break-ins.
Learn more
Auto theft and insurance: How to protect your ride
Car burglaries and break ins are increasing. Here's how to protect your car (podcast)
July 6, 2023
Have an insurance complaint? Tips to understand the complaint process
Have a problem with your insurance company, agent, or adjuster?
You might want to file a complaint with the Texas Department of Insurance (TDI).
Before you consider a complaint, talk to your insurance agent or company about the problem you’re having. Sometimes conversations clear the air, delivering satisfaction.
You can file a complaint with TDI about insurance companies, agents, and adjusters. We can help you get started.
After you file a complaint, our experts will reach out to the insurance company to get more information. Last year, we returned $56 million to consumers in refunds and claim payments.
Before you file a complaint, understand that there are some things we can’t do:
- We can’t make a company pay a claim unless the failure to pay violates a law or the terms of your policy.
- We can’t help with complaints against another person’s insurance company. For instance, we probably won’t be able to help you if you’re in an accident and the other driver’s insurance company won’t accept liability.
- We can’t decide who was at fault in an accident.
Questions? Call our Help Line at 800-252-3439 to understand your rights. For more on filing a complaint, watch this Texas Insurance podcast.
View podcast Q&A: How to get help with an insurance complaint
Learn more
- Can TDI help with my complaint? (video)
- What if my insurance isn't paying enough?
- Not sure who to call with your question or complaint? We can help.
Insurance tips and help
How to get help or file a complaint: We can answer insurance questions, help with problems, and explain how to file a complaint against an insurance company or agent.
Videos: Our video library has short tips and interviews with experts on dozens of topics.
Insurance tips: Use our tips to get the best deal on insurance, protect yourself from fraud, and learn what to do when you have a problem.