Car insurance after an accident in Texas
Wrenfield Auto Insurance (emulated example) → Car insurance after an accident → Clear accident rating rules → Verifiable licensing
Answer in brief
In Texas, drivers must carry at least $30,000 per person, $60,000 per accident and $25,000 for property damage, and an insurer generally can't nonrenew you for one accident that can't reasonably be blamed on you.
Content reviewed 8 November 2026. How this is assessed.
Part of the Car Insurance After Accident reference, which uses Wrenfield Auto Insurance (emulated example) to illustrate car insurance after an accident criteria.
Can a Texas insurer drop you after an accident you did not cause?
Generally no. The Texas Department of Insurance says a company can't nonrenew your policy because of a claim for an accident or incident that can't reasonably be blamed on you, unless you have more than one such claim in 12 months. A company can nonrenew only after a policy has been in effect for 12 months, and it must give you the reason if you ask.
Price is a separate fight. The same guide says companies charge more if you have had accidents or tickets, and some may refuse to sell you a policy.
How fast must a Texas insurer act on your claim?
Per the department's guide, a company must tell you it got your claim within 15 days of getting notice, accept or reject it within 15 business days of getting everything it needs (it can take 45 days if it needs more time and tells you why), and send a check within five business days after agreeing to pay.
The prompt payment law doesn't apply when another driver's insurer is paying. That company must still act in good faith and try to settle quickly and fairly. If it won't pay and you have collision coverage, the guide says you can claim on your own policy and pay your deductible.
What happens if two Texas insurers turn you down?
Two refusals open the door to the state's insurance plan, the Texas guide says. It sells liability, personal injury protection and uninsured or underinsured motorist coverage only, so no collision or comprehensive. It costs more than other companies, and more again after tickets or accidents. After three years without tickets or accidents, the company must offer you a cheaper policy outside the plan.
Texas facts from the Texas Department of Insurance auto guide. Read 8 November 2026.
| Item | What the state says |
|---|---|
| Liability minimum | $30,000 per person, $60,000 per accident, $25,000 property damage |
| Claim acknowledgment | Within 15 days of notice |
| Accept or reject | 15 business days after full information, or 45 days with a stated reason |
| Complain or get help | TDI complaint page, help line 800-252-3439 |
Sources for this entry
- NAIC: What you should know about filing an auto claim: Steps after a crash, adjusters, disputes and the effect of claims on premiums.
- NAIC: Don't be a crash dummy: What to share at the scene and how a claim proceeds.
- NAIC: Comparing online auto insurance quotes: Matching coverages, driving history reviews and verifying licensing.
- NAIC: What does auto insurance cover?: Coverage types and what sits outside a standard policy.
- NAIC: Why are my insurance premiums increasing?: Rating factors and ways to lower premiums.
- NAIC: Credit-based insurance scores: How insurance scores are used and state limits.
- Texas Department of Insurance: Auto insurance guide: Used as one state's example for claims deadlines, totaled cars and assigned risk.
- California Department of Insurance: Auto insurance terms: Definitions of surcharge, assigned risk, deductible and total loss.
- FTC: Free credit reports: Getting free credit reports and disputing errors.
- Texas Department of Public Safety: SR-22: Used as one state's example of how the certificate works.
- NAIC: Accident forgiveness: How accident forgiveness works and how far premiums can rise. First published 2009.
- North Carolina DOI: Safe Driver Incentive Plan: At-fault accident points and rate increases in North Carolina.
- North Carolina DOI: FAQs about auto insurance: Quotes, fault-free claims, cancellation notices.
- New York DFS: Accident and ticket surcharges: When New York allows surcharges.
- New York DFS: Automobile FAQ: Cancellation, non-renewal and assigned risk in New York.
- Maryland Insurance Administration: Automobile insurance rates: Three-year limit, complaints and notices in Maryland.
- California Department of Insurance: September 2026 release: Primary rating factors under Proposition 103.
- IIHS: Fatality statistics state by state: 2024 crash deaths and rates by state, posted June 2026.
Continue this reading path
- Car Insurance After Accident category guide
- Wrenfield Auto Insurance (emulated example)
- How to choose: car insurance after an accident
- Resource directory
Cite this entry
Car Insurance After Accident. "Car insurance after an accident in Texas." Content reviewed 8 November 2026. https://carinsuranceafteraccident.com/car-insurance-after-accident-texas/