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Texas Insurance Laws and Regulations

Information on Texas insurance laws and resources are available through the Texas Department of Insurance. Consumers can contact the department with questions and complaints about their auto and home insurance. If you have a problem with an auto, homeowners, life, health or title insurance company you can get the forms needed to file a complaint with the Department of Insurance. The state of Texas makes consumer complaint information available to consumers for use when shopping for insurance.

Important Laws

A summary of the driving safety laws in the state of Texas can be found with this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Texas.

The Texas Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

For homeowners, TX  law allows for a different deductible when a windstorm occurs. The deductible can apply to damage caused by a hurricane, tropical storm, tornado or wind and hail from a thunderstorm. Be sure to understand how the windstorm deductible can apply to you.

Texas has minimum auto insurance amounts that are required by law. The table below shows the TX minimum car insurance limits.

Resources Available to Consumers

The Texas Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, do not have enough insurance coverage or are the victim of a flood.