The Texas Department of Insurance (TDI) regulates the consumer protection and consumer-driven aspects in the state of Texas. The Texas Division of Insurance (Texas D.O.I.) is responsible for consumer protection and consumer-driven issues in the Texas. On the Texas Department of Insurance website, you can find important information about the Division, including eligibility for products offered by the Department, consumer protections, consumer rights, consumer education, consumer dispute resolution, and a directory of D.O.I. offices in Texas.
The Texas Department of Insurance (TDI) helps consumers resolve their complaints against insurance companies, Health Maintenance Organizations (HMOs), HMO, by its name and acronym in English), agents and insurance adjusters. Each year we help thousands of people in Texas obtain millions of dollars in additional claim payments and reimbursements.
Privacy Note: To help resolve your complaint, we need to share the information you send us with the person or company named in your complaint. You will need to sign a consent form to authorize us to share the information. If you do not sign the consent form, we may not be able to fully assist you.
In addition, you should be aware that some of the information you provide to us may be disclosed to anyone who requests it, in accordance with the Texas Public Information Act. However, we will not disclose information that is confidential. Medical records, financial information and email addresses are generally considered confidential under state and federal law and will not be disclosed.
How can we help?
TDI can help you resolve complaints related to property insurance, title insurance, life insurance, health insurance, and workers’ compensation. We can only help you with complaints against insurance companies and people we regulate. We do not have jurisdiction over service providers, including body shops, construction contractors, and physicians. If you have a complaint against a service provider, send it to the agency that issues their licenses or is in charge of the provider’s compliance and regulation.
We can help with these types of complaints:
- late or slow payment of claims;
- cancellation or non-renewal of policies,
- improper denial of claims,
- denial of treatment or health services,
- bad customer service,
- false information about what the policy covers,
- discriminatory price increases,
- false or misleading advertising; and suspected insurance fraud.
- After you file your complaint with us, we will contact the company or agent you are complaining about.
- and we will try to help resolve the dispute.
Although we do our best to help you resolve your complaints, there are certain problems that we cannot help you resolve. We cannot:
- determine who was at fault in an accident;
- resolve a dispute between you and the insurance company when the only evidence is your word;
- cause a company to pay a claim if the company’s refusal to pay does not violate any law or insurance regulation; either
- give legal advice or make medical judgments.
Even if we can’t resolve your complaint, your complaints and questions help us identify potential problems with insurance companies, HMOs, agents, and adjusters. Our involvement may also cause companies to consider your concerns more carefully.
Before Filing a Complaint
Call your insurance company first. Many of the complaints can be resolved by talking to the company about the problem.
Most insurance companies have free consumer help lines. The number is printed on your policy. You can call TDI’s Consumer Help Line to get the company’s number and address. You can also use the Company Search feature on our website.
When you call the insurance company:
- have your policy number ready. If you have already filed a claim, please have your claim number ready as well.
- follow up in writing. Describe your complaint and how you want the company to resolve it.
- Submit copies (not originals) of letters, notes, bills, canceled checks, advertising materials, or other documents that support your complaint.
- ask the company for a written response to your complaint.
The Texas Department of Insurance (TDI) works hard to keep its citizens and families safe. The agency also has a big responsibility to protect the Texas property and casualty insurance market as a whole. The job that TDI does is extensive and requires careful attention to detail. Unfortunately, it’s not always easy to know what exactly TDI is doing. Fortunately, the people at TDI have put together this helpful web page which includes helpful information about TDI, the TEXAS Property and Casualty Insurance program, and more. TDI is the Texas department of insurance and is responsible for