Vehicle Insurance Companies In Texas
Reader’s Question:
I’ve read in the news that some vehicle insurance companies here in Texas are at court with clients who have problems with their claims. What should I do if ever I have a claim dispute with vehicle insurance companies in Texas?
Rolando,
Dallas, TX
Vehicle insurance companies in Texas usually operate cleanly, but if you want to be prepared for the worst, then here are the two simple (and less legally-exhausting) steps for you to take:
Talk with your Insurance Company
Don’t get too eager to file a lawsuit against vehicle insurance companies in Texas, or anywhere else for that matter, over the slightest claim dispute. You’ll end up spending a ton of cash and end up nowhere if your policy clearly states that they’re not liable for covering you. Talk to them first and try to sort things out: if you have problems with the amount of money they’re offering, get the second opinion of another independent adjuster or arbiter.
File a complaint with the Texas Department of Insurance (TDI)
If clarifying and working with an insurance company doesn’t yield the results you want and all else fails, you can file a complaint with the TDI. It’s cheaper than getting a lawyer yourself to file a lawsuit, and the state may even step in to provide you legal help. Just don’t expect the TDI to force the insurance company to pay up for a disputed claim or mediate in fault and negligence determination. This is no longer in their jurisdiction, since they only handle policy or legal violations.