Your Rights After an Accident in Texas

Texas law provides consumer protections after an auto accident, but most drivers are never clearly told how those protections apply during the insurance claim process.

This page explains how auto claims are supposed to be handled in Texas, what insurers are required to do, and what you should understand before repairs begin.

How Auto Claims Are Handled in Texas

Auto insurance claims in Texas are governed by the Texas Insurance Code, including the Prompt Payment of Claims Act and unfair claims handling provisions.

These laws establish timeframes for claim handling, require insurers to conduct reasonable investigations, and prohibit misrepresentation or unfair settlement practices.

Claims handling standards in Texas are enforced by the Texas Department of Insurance.

You Have the Right to Choose the Repair Shop

In Texas, insurance companies may recommend repair facilities, but they cannot require you to use a specific shop to complete repairs.

Choosing your own repair shop does not void coverage, reduce payment, or eliminate warranty protections.

Insurance Cannot Steer Your Repair Decision

Texas law prohibits insurers from using pressure, misleading statements, or unfair practices to influence repair decisions.

Statements suggesting delays, lower quality, or higher costs based on shop choice reflect insurer preferences, not your legal rights.

Repair Estimates Are Often Incomplete

Initial insurance estimates are commonly written to move the claim forward.

These estimates are not final repair plans. Additional damage, procedures, or safety requirements may be identified later.

Need Help Reviewing a Texas Estimate

EstiVerify reviews insurance estimates for missing repairs, underwritten procedures, and safety related items before repairs begin.