Have an insurance complaint? Tips to understand the complaint process

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Have a problem with your insurance company, agent, or adjuster?

You might want to file a complaint with the Texas Department of Insurance (TDI).

Before you consider a complaint, talk to your insurance agent or company about the problem you’re having. Sometimes conversations clear the air, delivering satisfaction.

You can file a complaint with TDI about insurance companies, agents, and adjusters. We can help you get started.

After you file a complaint, our experts will reach out to the insurance company to get more information. Last year, we returned $56 million to consumers in refunds and claim payments.

Before you file a complaint, understand that there are some things we can’t do:

• We can’t make a company pay a claim unless the failure to pay violates a law or the terms of your policy.
• We can’t help with complaints against another person’s insurance company. For instance, we probably won’t be able to help you if you’re in an accident and the other driver’s insurance company won’t accept liability.
• We can’t decide who was at fault in an accident.

Questions? Call our Help Line at 800-252-3439 to understand your rights. For more on filing a complaint, watch this Texas Insurance podcast.

View podcast Q&A: How to get help with an insurance complaint

Learn more

• Can TDI help with my complaint? (video)
• What if my insurance isn't paying enough?
• Not sure who to call with your question or complaint? We can help.
• Get help with an insurance complaint (video)