Texas Watch

Insurance

Insurance

Home & Auto Insurance

Texans pay their insurance premiums each month in exchange for a promise that their premiums will be payed in full and on time. Unfortunately, bureaucrats have allowed insurance companies to abuse their customers in ways that increase their bottom line. Over the past decade, these companies have carved up their policies, offering less coverage, while continuing to raise premiums. As a result, many Texans are paying too much for policies that cover too little. Without meaningful reform, insurance companies in Texas will continue to “Delay, Deny, and Defend” claims knowing that everyday Texans don’t have the time and legal resources to fight it. 

HB1774: See How They Voted

Insurance companies already have too much power, and they just got even more here in Texas. Texas lawmakers made the unfortunate decision to pass HB 1774, more aptly referred to as the Blue Tarp Bill because it will make it more difficult for Texans to rebuild after disaster strikes. Find out if your lawmaker voted for this dangerous legislation.

Latest from Home & Auto Insurance

  • State Policyholder Advocate Opposes Arbitration Proposal

    Wednesday, May 25, 2016

    The Office of Public Insurance Counsel has weighed in opposing a proposed pre-dispute binding arbitration provision currently under consideration by the state insurance commissioner. OPIC is the state office tasked with representing policyholders in rate and form filing decisions.

    In her letter to Commissioner David Mattax, Public Counsel Deeia Beck writes of arbitration generally:

  • Don't Sell Our Rights, Commissioner

    Monday, May 23, 2016

    The Texas insurance commissioner is considering an industry proposal that would allow an insurance company to buy your legal rights for a few dollars a month.

    This is unprecedented. Never has the insurance department approved a request to allow an insurance company to include what is called a pre-dispute binding arbitration clause in its policies. In fact, it has been part of the agency's published guidelines to reject any insurance policy that includes such language.

  • Why Isn't TDI Asking About Insurance Company Misconduct?

    Monday, April 11, 2016

    The Texas Department of Insurance is asking questions. But, it's what they aren't asking that's the problem.