Texas policyholders often worry that filing an insurance claim — even when they were not at fault — will raise their premiums. Here's what Texas law and insurance practice actually say.
Texas Insurance Rate Rules After a Claim
Texas law (28 TAC §5.7052) prohibits insurers from surcharging policyholders for claims resulting from accidents where the policyholder was 0% at fault. However, some insurers look at claims frequency even for not-at-fault events when setting renewal rates.
When to File vs. When Not to File
For minor property damage where your costs are close to your deductible, filing may not be worth the potential long-term rate impact. For injury accidents or significant property damage, failing to file promptly can waive coverage rights. CDF Law advises clients on this calculation.
Your Right to Legal Representation
Whether or not rates rise, you have the right to legal representation in any accident involving injury. Call CDF Law at (832) 945-1900 for a free consultation.