When you insure your car or truck, you get lots of information—including a Texas consumer bill of rights for auto insurance.
Too much information? Let’s make this easier.
In Texas, you have the right to:
- Call the Texas Department of Insurance (TDI) for information and help with a complaint against an insurance company.
- Choose the repair shop and parts for your vehicle. An insurance company can’t tell you or the body shop what brand, age, vendor, or condition of the parts you can use. They also aren’t required to pay more than a reasonable amount.
- Ask your insurance company about your policy. The company can’t use your questions to determine your premium or deny, non-renew, or cancel your coverage. You can ask questions about your policy, the company's claims filing process, and whether the policy will cover a loss—unless the question is about damage that results in an investigation or claim.
- Dispute the amount of your claim payment or what your policy covers. Contact your insurance company or the body shop. You can also ask an attorney or appraiser to look at the damage.
- Cancel your policy any time and be refunded the remaining premium.
- File a complaint with TDI.
Read the full bill of rights (PDF) on TDI’s website.
Have a question about insurance? Call the Texas Department of Insurance at 800-252-3439 or visit www.tdi.texas.gov.
These columns by the Texas Department of Insurance are available for use in publications. They may be edited as needed and used without copyright. For questions, contact TDI media relations at 512-676-6595 or MediaRelations@tdi.texas.gov.