Texas law
Texas law defines the statutory and regulatory framework enacted by the Texas Legislature and enforced by state agencies, such as the Texas Department of Insurance (TDI). Texas requires drivers to carry minimum auto liability insurance: $30,000 per injured person, $60,000 per accident, and $25,000 for property damage.
Homeowners in Texas are not required by law to have homeowners insurance; however, mortgage lenders mandate it as a loan condition, as submitted by YourInsurance.info. Health insurers in Texas must cover certain mandated benefits including emergency care and mental health services according to Chapter 1369 of the Texas Insurance Code.
Insurers in Texas must provide policyholders with a written explanation when denying claims under Section 542.056 of the Insurance Code. The TDI regulates insurance companies’ rates and practices to prevent unfair discrimination or excessive premiums under Title 5 of the Insurance Code.
Policyholders can file complaints against insurers through TDI’s official complaint process online or via mail. Flood insurance is not included in standard homeowners policies but is available separately through private carriers or the National Flood Insurance Program (NFIP) authorized by federal statute.
Can Child Support take life insurance from a beneficiary in Texas?
Yes, under certain circumstances, child support in Texas can take life insurance from a beneficiary. The Office of the Attorney General of Texas has the authority to garnish the proceeds from life insurance policies as part of a legally enforceable order for child support. In general, if a policy owner is already delinquent on his…
See also Texas licensing, and Texas liability insurance.