OPIC has worked hard for consumers throughout the 2025 fiscal year (Sep. 2024 through Aug. 2025). Over this period, we reviewed over 1,200 insurance rate and policy form filings submitted by insurance companies to the Texas Department of Insurance (TDI). …
OPIC has worked hard for consumers throughout the 2024 fiscal year (Sep. 2023 through Aug. 2024). Over the last 12 months, we reviewed almost 1,350 insurance rate and policy forms filed with the Texas Department of Insurance. We saved Texas consumers over …
💧 Don’t go home until it is declared safe to do so. 💧 Contact your insurance company or agent immediately. 💧 Provide accurate contact information to your insurance company or agent. 💧 Contact police if your car is missing. 💧 Document any damaged property …
While consumers cannot control inflation, the frequency and severity of weather events, or some other factors that influence their insurance premiums, they can control things that may positively impact the personal component of their premiums, such as… …
Most homeowners, condominium, and renters insurance policies do not cover flood damage. Flood damage is covered by a flood policy issued by an insurance company or by the National Flood Insurance Program (NFIP). Flood damage to your auto is typically …
OPIC has worked hard for consumers throughout the 2023 fiscal year.1 Over the last 12 months, we reviewed almost 1,500 rule, rate, and policy form filings. We saved Texas consumers over $14.7 million by limiting premium increases and obtaining refunds. …
How much your medical visits cost depends on what type of doctor you see. Most health plans cover nurse lines, telemedicine, doctor’s office visits, urgent care clinics, and emergency rooms. However, telemedicine and nurse lines are often cheaper or free, …
In a typical car accident, the at-fault driver’s insurance company pays for injuries and property damage. In the case of a hit-and-run accident, it’s trickier if you don’t have the other driver’s information to give to your insurance company. If you are in …
OPIC worked hard for consumers this past year, reviewing over 1,200 rules, rates, and policy forms. We are a small, 10-person agency, but we did big things in 2022. We saved Texas consumers over $15 million this past year alone, so for every $1 OPIC …
If you file an insurance claim, and don’t think your insurance company is paying you enough to cover your damages, you have several different options to resolve the problem. If you and your insurer do not agree on the amount of your claim, first contact …
Most companies offer discounts. Discounts may include things like taking defensive driving or driver’s education classes, maintaining a good driving record, participating in an optional telematics program, getting good grades in school (for high school and …
Your insurance agent or insurance company is the best resource about what your policy covers. Call or email them. They can help you figure out what type of coverage you’ll have on your rental car, and any other transportation options you may have. Make …
You may disagree with the amount the insurer decides your car is worth. You can try to negotiate with the company to change the amount they will pay you for your car. Ask how they determined what your car is worth and make sure all the information used to …
Example 1: Lab work You go to the doctor and get lab work done. Your doctor bills $300. If your deductible is $500 and you have not paid it, you will pay the entire $300 yourself. Example 2: Surgery You need surgery that will cost $10,000. You’ve already …
Most homeowners policies do not cover damage caused by vermin and pests. This includes, but is not limited to: Birds Rodents (rats, mice, squirrels, etc.) Insects (termites, ants, etc.) You should regularly inspect your home’s exterior, attic, crawlspaces …
Medical identity theft. Be careful not to give out your personal medical info and health insurance policy info. When you get a medical bill, review the explanation of benefits (EOB) to ensure no unauthorized prescriptions or services are listed. You can …
Service line coverage is a specialized type of coverage in residential property insurance. It covers the cost of repairing or replacing utility lines, excavation, and landscape restoration in the event of a loss. This coverage is not usually offered in …
OPIC worked hard for consumers this past year, analyzing over 1,100 rules, rates, and policy forms. We are a small, 10-person agency, but we did big things in 2021. We saved Texas consumers over $11.4 million last year alone, so for every $1 OPIC received …
Take precautions to prevent fires. Before you leave, unplug any electronics that don’t need power while you’re gone. Not only will it save you money on your energy bill, but it can also lower the risk of an electrical fire.
In 1985, Congress passed the Consolidated Omnibus Budget Reconciliation Act (COBRA), which requires continued health coverage to be offered to employees who have lost or quit their job, as well as those who get reduced hours or have had other major life …
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