Opic.texas.gov

Office of Public Insurance Counsel - OPIC

OPIC represents the interests of Texas consumers in insurance matters. We empower and educate consumers while working on their behalf to create and maintain a balanced marketplace.

Actived: Friday Jan 22, 2021

URL: https://www.opic.texas.gov/

Office of Public Insurance Counsel - OPIC

Details: OPIC represents the interests of Texas consumers in insurance matters. We empower and educate consumers while working on their behalf to create and maintain a balanced marketplace.

› Verified 2 days ago

› Url: https://www.opic.texas.gov/ Go Now

› Get more:  Insurance QuotesGo Now

Health Insurance - Office of Public Insurance Counsel

Details: Health insurance helps pay for services covered by your plan, such as doctor’s fees, hospital bills, tests, and medicine. 1-877-611-6742 [email protected] About OPIC

› Verified 3 days ago

› Url: https://www.opic.texas.gov/health-insurance/ Go Now

› Get more:  HealthGo Now

Residential Property Insurance - Office of Public

Details: People buy residential property insurance to insure the place they live and their personal things. There are 4 types: homeowners, condo, dwelling, and renters. 1-877-611-6742 [email protected]

› Verified 2 days ago

› Url: https://www.opic.texas.gov/residential-property-insurance/ Go Now

› Get more:  Homeowner,  Renters,  CondoGo Now

Auto Insurance - Office of Public Insurance Counsel

Details: Auto insurance helps pay for damage and injuries from an auto accident.

› Verified 5 days ago

› Url: https://www.opic.texas.gov/auto-insurance/ Go Now

› Get more:  AutoGo Now

Auto Insurance - The Basics - Office of Public Insurance

Details: More Terms to Know. Claim – a request made to an insurance company to pay for damage or injury.. Claims adjuster – reviews the loss to figure out what is covered under the policy, if liability exists, and how much is owed. Coverage – the damage or injuries an insurance company agrees to pay for under the policy.. Deductible – the amount you owe in a loss before the company pays its part.

› Verified 3 days ago

› Url: https://www.opic.texas.gov/auto-insurance/basics/ Go Now

› Get more:  Insurance QuotesGo Now

Health Insurance - The Basics - Office of Public Insurance

Details: Find health plans offered by your insurance company that provide coverage for services from a specific hospital or hospital-based physician group. A drug formulary is a list that tells you the generic, brand name, and specialty prescription drugs covered by the plan and how much they will pay for each.

› Verified 2 days ago

› Url: https://www.opic.texas.gov/health-insurance/basics/ Go Now

› Get more:  HealthGo Now

Residential Property - Office of Public Insurance Counsel

Details: Amount of insurance (AOI) –the estimated construction cost to replace your home, not the land. Claim – a request made to an insurance company to pay for damage or injury. Claims adjuster – reviews the loss to figure out what is covered under the policy, if liability exists, and how much is owed.

› Verified 3 days ago

› Url: https://www.opic.texas.gov/residential-property-insurance/basics/ Go Now

› Get more:  Insurance QuotesGo Now

Auto Insurance - Know Your Rights - Office of Public

Details: Insurance companies must give you this Bill of Rights with your policy. It’s important to read and understand your policy. The Bill of Rights is NOT a complete list of all your rights, part of your policy, or a list of everything that you are responsible for. Download Bill of Rights (English)

› Verified 2 days ago

› Url: https://www.opic.texas.gov/auto-insurance/rights/ Go Now

› Get more:  Insurance QuotesGo Now

Policy Comparison Tool - Office of Public Insurance Counsel

Details: Choosing the right insurance policy can be difficult and confusing. OPIC created a policy comparison tool to assist you with this decision. 1-877-611-6742 [email protected]

› Verified 2 days ago

› Url: https://www.opic.texas.gov/resources/policy-comparison-tool/ Go Now

› Get more:  Insurance QuotesGo Now

Health Insurance - Balance Billing - Office of Public

Details: Health plan ID cards for state-regulated plans will display “TDI” (Texas Department of Insurance) or “DOI” (Department of Insurance) somewhere on the card. This does not apply to Medicare or self-funded employer sponsored plans.

› Verified 3 days ago

› Url: https://www.opic.texas.gov/health-insurance/balance-billing/ Go Now

› Get more:  Medicare,  HealthGo Now

Residential Property Claims - Office of Public Insurance

Details: More Terms to Know. Claim – a request made to an insurance company to pay for damage or injury.. Claims adjuster – reviews the loss to figure out what is covered under the policy, if liability exists, and how much is owed. Coverage – the damage or injuries an insurance company agrees to pay for under the policy.. Deductible – the amount you owe in a loss before the company pays its part.

› Verified 3 days ago

› Url: https://www.opic.texas.gov/residential-property-insurance/claims/ Go Now

› Get more:  Insurance QuotesGo Now

Health Insurance - Shopping Guide - Office of Public

Details: Policy – A contract between you and the insurance company. The policy tells you what’s covered and what the insurance company is required to pay. Policy period – the period of time your policy provides coverage. Preferred provider – A doctor or hospital with an agreement with your health plan. Also referred to as an “In-network

› Verified 5 days ago

› Url: https://www.opic.texas.gov/health-insurance/shopping-guide/ Go Now

› Get more:  HealthGo Now

Automobile Insurance Comparison - Office of Public

Details: This website allows you to compare sample rates, complaint information, and the financial rating of the top 25 national insurance groups writing auto and residential property insurance in Texas. You can also get financial and/or complaint information for each insurer from TDI’s Company Profile Pages.

› Verified 2 days ago

› Url: https://www.opic.texas.gov/resources/policy-comparison-tool/automobile-insurance-comparison/ Go Now

› Get more:  AutoGo Now

Title Insurance - Shopping Guide - Office of Public

Details: The price you pay for title insurance is set by the Texas Department of Insurance (TDI). It includes the cost of the title search and examination, closing, and issuing the policy. The premium is based on the property’s sale value. *⃣ Usually, the borrower/buyer pays for both the owner’s and lenders/loan policies.

› Verified 7 days ago

› Url: https://www.opic.texas.gov/title-insurance/shopping-guide/ Go Now

› Get more:  Insurance QuotesGo Now

Helpful Health Links - Office of Public Insurance Counsel

Details: Helpful Health Links Learn About Health Coverage. Texas Health Care Costs has info on what medical services usually cost.; Texas Health Care Information Collection has data about the quality of care for hospitals and HMOs.; Texas Health Options can help you learn about health plan quality and cost.; HealthCare.gov is a federal website with info about health insurance in your area.

› Verified 3 days ago

› Url: https://www.opic.texas.gov/health-insurance/helpful-health-links/ Go Now

› Get more:  Medical,  HealthGo Now

Life Insurance - The Basics - Office of Public Insurance

Details: Life insurance is insurance that pays money either on the death of the policyholder or after a set period of time. This money is paid to a beneficiary. Beneficiaries are the people you pick to get the money from the life insurance policy. Most life insurance helps your family or other beneficiaries pay bills and other living expenses after you die.

› Verified 5 days ago

› Url: https://www.opic.texas.gov/life-insurance/basics/ Go Now

› Get more:  LifeGo Now

Information on Third-Party Auto Claims - OPIC

Details: More Terms to Know. Claim – a request made to an insurance company to pay for damage or injury.. Claims adjuster – reviews the loss to figure out what is covered under the policy, if liability exists, and how much is owed. Coverage – the damage or injuries an insurance company agrees to pay for under the policy.. Deductible – the amount you owe in a loss before the company pays its part.

› Verified 4 days ago

› Url: https://www.opic.texas.gov/auto-insurance/third-party-claims/ Go Now

› Get more:  Insurance QuotesGo Now

Auto Insurance - Help with a Problem - Office of Public

Details: The Texas Automobile Insurance Plan Association (TAIPA) offers the automobile bodily injury and property damage liability insurance required in Texas to residents that are unable to obtain coverage elsewhere.

› Verified 3 days ago

› Url: https://www.opic.texas.gov/auto-insurance/get-help/ Go Now

› Get more:  AutoGo Now

Policy Comparison Results - Office of Public Insurance Counsel

Details: Choosing the right insurance policy can be confusing. OPIC has created a Policy Comparison Tool that lets you compare up to five policies at a time. 1-877-611-6742 [email protected]

› Verified 4 days ago

› Url: https://www.opic.texas.gov/policy-comparison-results/ Go Now

› Get more:  Insurance QuotesGo Now

Renters Insurance Comparison - Office of Public Insurance

Details: This website allows you to compare sample rates, complaint information, and the financial rating of the top 25 national insurance groups writing auto and residential property insurance in Texas. You can also get financial and/or complaint information for each insurer from TDI’s Company Profile Pages.

› Verified 25 days ago

› Url: https://www.opic.texas.gov/resources/policy-comparison-tool/renters-insurance-comparison/ Go Now

› Get more:  AutoGo Now

Title Insurance - The Basics - Office of Public Insurance

Details: Title insurance provides protection against problems that exist when you buy your property and could affect your ownership rights in the future. Examples of problems include: liens on the property, unpaid property taxes, fraud, or an unknown heir who makes a claim on the property. You only pay for title insurance once, and it provides coverage

› Verified 4 days ago

› Url: https://www.opic.texas.gov/title-insurance/basics/ Go Now

› Get more:  Insurance QuotesGo Now

Using Your Health Insurance - Office of Public Insurance

Details: Insurance companies pay for different parts of your bill based on where you go. Before you have an emergency, know where to go. You can save yourself money by choosing the right place. If an ER or urgent care center is in your network, you will pay less than if they are not in your network.

› Verified 4 days ago

› Url: https://www.opic.texas.gov/health-insurance/using-your-insurance/ Go Now

› Get more:  Insurance QuotesGo Now

Residential Property - Office of Public Insurance Counsel

Details: Flood insurance – insurance that covers damage to your property and personal items from temporarily rising water from outside of the house, like hurricane storm surge, or a river overflowing its banks. Flood insurance coverage is different from water damage coverage in a homeowner’s policy.

› Verified 2 days ago

› Url: https://www.opic.texas.gov/residential-property-insurance/shopping-guide/ Go Now

› Get more:  Bank,  Homeowner,  FloodGo Now

Life Insurance - Know Your Rights - Office of Public

Details: Insurance companies must pay the beneficiary within two months of receiving proof of death and verifying the beneficiary. For an individual life policy, the company must also pay interest on a death benefit from the time the company receives the proof of loss statement to the time the company accepts the claim and offers to pay the death benefit.

› Verified 3 days ago

› Url: https://www.opic.texas.gov/life-insurance/rights/ Go Now

› Get more:  LifeGo Now

Life Insurance - Shopping Guide - Office of Public

Details: How does life insurance affect your finances? Life insurance is an asset that can affect your finances and eligibility for government programs like Medicaid. Talk to an agent, a company, an attorney, or financial advisor to learn how having life insurance may affect your finances.

› Verified 10 days ago

› Url: https://www.opic.texas.gov/life-insurance/shopping-guide/ Go Now

› Get more:  Finance,  LifeGo Now

Auto Insurance Shopping Guide - Office of Public Insurance

Details: More Terms to Know. Claim – a request made to an insurance company to pay for damage or injury.. Coverage – the damage or injuries an insurance company agrees to pay for under the policy.. First-party claim – a claim filed by you against your own insurance policy.. Liability – when you are responsible for other people’s injuries or damage to their property.

› Verified 2 days ago

› Url: https://www.opic.texas.gov/auto-insurance/shopping-guide/ Go Now

› Get more:  Insurance QuotesGo Now

Flood Insurance - Help with a Problem - Office of Public

Details: The National Flood Insurance Program (NFIP) provides flood insurance. Contact NFIP to file your flood claim, ask questions about an existing flood insurance policy, or obtain flood insurance for future losses.

› Verified 7 days ago

› Url: https://www.opic.texas.gov/flood-insurance/get-help/ Go Now

› Get more:  FloodGo Now

Understanding PIP vs Med-Pay - Office of Public Insurance

Details: only reimburses your health insurance deductibles and co-pays. Unlike PIP, Med-Pay does not pay lost wages, or pay for essential services if the injured person is unemployed. To learn more about auto insurance, visit The Basics , Shopping Guide , 1st Party Claims Handling , 3rd Party Claims Handling , and Know Your Rights sections of our website.

› Verified 2 days ago

› Url: https://www.opic.texas.gov/news/pip-vs-medpay/ Go Now

› Get more:  Auto,  HealthGo Now

Flood Insurance - The Basics - Office of Public Insurance

Details: The policy tells you what’s covered and what the insurance company is required to pay. Policy period – the period of time your policy provides coverage. Premium – the amount you pay an insurance company for your policy. Surplus lines insurance – insurance meant to cover special risks that most insurers aren’t able or willing to insure.

› Verified 2 days ago

› Url: https://www.opic.texas.gov/flood-insurance/basics/ Go Now

› Get more:  Insurance QuotesGo Now

Claims Adjusters - Office of Public Insurance Counsel

Details: Coverage – the damage or injuries an insurance company agrees to pay for under the policy. First-party claim – a claim filed by you against your own insurance policy. Policy – a contract between you and the insurance company. The policy tells you what’s covered and what the insurance company is required to pay.

› Verified 4 days ago

› Url: https://www.opic.texas.gov/auto-insurance/claims-adjusters/ Go Now

› Get more:  Insurance QuotesGo Now

Health Insurance - How to Appeal a Denied Claim - Office

Details: Health Insurance. How to Appeal a Denied Claim. Your health plan will review your coverage for a treatment, service, or prescription either before or after your claim is filed. If your health plan won’t pay for medically necessary services, treatments, or medicines, you have the right to appeal the decision through your plan’s internal

› Verified 5 days ago

› Url: https://www.opic.texas.gov/health-insurance/get-help/appeal-denied-claim/ Go Now

› Get more:  Medical,  HealthGo Now

Life Insurance - Office of Public Insurance Counsel

Details: Life insurance is insurance that pays money either on the death of the policyholder or after a set period of time. This money is paid to a beneficiary. 1-877-611-6742 [email protected]

› Verified 6 days ago

› Url: https://www.opic.texas.gov/life-insurance/ Go Now

› Get more:  LifeGo Now

Policy Comparison Tool Help - Office of Public Insurance

Details: Choosing the right insurance policy can be confusing. OPIC has created a Policy Comparison Tool that lets you compare up to five policies at a time. 1-877-611-6742 [email protected]

› Verified 2 days ago

› Url: https://www.opic.texas.gov/resources/policy-comparison-tool/help/ Go Now

› Get more:  Insurance QuotesGo Now

Residential Property Insurance - Help with a Problem

Details: 800-979-6440 | www.texasfairplan.org The Texas Fair Access to Insurance Requirements Plan commonly known as the Texas FAIR Plan Association, FAIR Plan, or TFPA offers residential property insurance to Texas residents that are unable to obtain coverage elsewhere.

› Verified 6 days ago

› Url: https://www.opic.texas.gov/residential-property-insurance/get-help/ Go Now

› Get more:  Insurance QuotesGo Now

Understanding Your Homeowners Deductible - Office of

Details: Insurance companies can calculate homeowners deductibles as either a fixed dollar amount or a percentage of your home’s insured value. A dollar deductible provides an easy way to anticipate the amount you’re responsible for in the event of a covered loss.

› Verified 2 days ago

› Url: https://www.opic.texas.gov/news/residential-property/understanding-homeowners-deductible/ Go Now

› Get more:  HomeownerGo Now

Flood Insurance - Office of Public Insurance Counsel

Details: A typical homeowners policy DOES NOT cover damage caused by a flood. To protect your home from flood damage, you may need separate flood insurance.

› Verified 2 days ago

› Url: https://www.opic.texas.gov/flood-insurance/ Go Now

› Get more:  Homeowner,  FloodGo Now

Health Insurance - Help with a Problem - Office of Public

Details: Mail: Office of Public Insurance Counsel, William P. Hobby Building, 333 Guadalupe, Suite 3-120, Austin, TX 78701-3942 Click below to learn more about: How to Appeal a Denied Claim

› Verified 1 months ago

› Url: https://www.opic.texas.gov/health-insurance/get-help/ Go Now

› Get more:  Insurance QuotesGo Now

Flood Insurance - Shopping Guide - Office of Public

Details: Flood Insurance – People buy flood insurance to insure the place they live, their automobile, and their personal items from damage caused by flood. Policy – a contract between you and the insurance company. The policy tells you what’s covered and what the insurance company is required to pay.

› Verified 6 days ago

› Url: https://www.opic.texas.gov/flood-insurance/shopping-guide/ Go Now

› Get more:  Auto,  FloodGo Now

Current Auto Insurance News - Office of Public Insurance

Details: Most property and casualty insurance policies in Texas are sold by insurance companies licensed by the Texas Department of Insurance (TDI). These companies make up what is called the “authorized” or “admitted” market. TDI reviews most of the rates and policies that

› Verified 1 months ago

› Url: https://www.opic.texas.gov/auto-insurance/news/ Go Now

› Get more:  Insurance QuotesGo Now

Life Insurance - Help with a Problem - Office of Public

Details: Do you have questions or need help? Agent or company. If you don’t understand your policy or have a problem, talk to your agent or insurance company. Texas Department of Insurance (TDI).If you have questions or complaints, contact the TDI at:

› Verified 1 months ago

› Url: https://www.opic.texas.gov/life-insurance/get-help/ Go Now

› Get more:  Insurance QuotesGo Now

Current Health Insurance News - Office of Public Insurance

Details: If you or a loved one cannot live independently, the costs of personal care can be very high. Long-term care insurance can help pay for the costs of personal care, but it’s important to understand how it is different from health insurance and when it can be

› Verified 5 days ago

› Url: https://www.opic.texas.gov/health-insurance/news/ Go Now

› Get more:  HealthGo Now

Meet the Staff - Office of Public Insurance Counsel

Details: Marion Grant is the Deputy Public Counsel. She serves as the agency’s general counsel, acts as the agency’s human resources lead, assists with payroll and budget matters, develops and maintains agency policy manuals, and performs other duties as assigned.

› Verified 7 days ago

› Url: https://www.opic.texas.gov/staff/ Go Now

› Get more:  Insurance QuotesGo Now

State Farm Homeowners Basic Policy - Texas

Details: tice or certificate, an Evidence of Insurance form or any endorsement changing any of these. 6. “fungus” means any type or form of fungus, includ-ing mold, mildew, mycotoxins, spores, scents or by-products produced or released by fungi. 7. “insured” means you and, if residents of your house-hold: a. your relatives; and b.

› Verified 3 days ago

› Url: https://www.get-insurance-quotes.net Go Now

› Get more:  Insurance QuotesGo Now

Title Insurance - Help with a Problem - Office of Public

Details: If you have general questions about title insurance, contact the Title Insurance Section of the Texas Department of Insurance (TDI) at 512-676-6710.

› Verified 4 days ago

› Url: https://www.opic.texas.gov/title-insurance/get-help/ Go Now

› Get more:  Insurance QuotesGo Now

ACV vs RCV - Office of Public Insurance Counsel (OPIC)

Details: Claim – a request made to an insurance company to pay for damage or injury. Coverage – the damage or injuries an insurance company agrees to pay for under the policy. Deductible – the amount you owe in a loss before the company pays its part. First-party claim – a claim filed by you against your own insurance policy.

› Verified 2 days ago

› Url: https://www.opic.texas.gov/residential-property-insurance/basics/acv-vs-rcv/ Go Now

› Get more:  Insurance QuotesGo Now

Residential Property Insurance Rights - Office of Public

Details: Insurance companies must give you this Bill of Rights with your policy. It’s important to read and understand your policy. The Bill of Rights is NOT a complete list of all your rights, part of your policy, or a list of everything that you are responsible for. Download Bill of Rights (English)

› Verified 5 days ago

› Url: https://www.opic.texas.gov/residential-property-insurance/rights/ Go Now

› Get more:  Insurance QuotesGo Now

How to File a Complaint - Office of Public Insurance Counsel

Details: Most Texans get their insurance through self-funded plans that are regulated by the U.S. Department of Labor’s Employee Benefits Security Administration. If you have a self-funded plan from an employer that is a government or church, then you should follow the complaint procedures in your benefits booklet and other plan documents.

› Verified 4 days ago

› Url: https://www.opic.texas.gov/health-insurance/get-help/file-a-complaint/ Go Now

› Get more:  Insurance QuotesGo Now

Coronavirus FAQs - Office of Public Insurance Counsel

Details: Testing and Health Insurance. Does my health insurance cover testing? Governor Abbott and the Texas Department of Insurance (TDI) have asked health insurers to waive certain costs and requirements relating to testing and treatment for COVID-19.. The following health insurers and Health Maintenance Organizations are currently waiving cost-sharing (copayments, deductibles, and coinsurance) for

› Verified 1 days ago

› Url: https://www.opic.texas.gov/coronavirus/ Go Now

› Get more:  HealthGo Now

Information on First-Party Auto Claims - Office of Public

Details: More Terms to Know. Claim – a request made to an insurance company to pay for damage or injury.. Claims adjuster – reviews the loss to figure out what is covered under the policy, if liability exists, and how much is owed. Coverage – the damage or injuries an insurance company agrees to pay for under the policy.. Deductible – the amount you owe in a loss before the company pays its part.

› Verified 2 days ago

› Url: https://www.opic.texas.gov/auto-insurance/first-party-claims/ Go Now

› Get more:  Insurance QuotesGo Now

WACO TX 76710-1010 TEXAS FARM BUREAU UNDERWRITERS

Details: form a. state office . 7420 fish pond rd . waco tx 76710-1010 . ho-a . texas homeowners policy-texas farm bureau mutual insurance company . texas farm bureau underwriters

› Verified 4 days ago

› Url: https://www.get-insurance-quotes.net Go Now

› Get more:  HomeownerGo Now