Questions & answers · Car insurance
My auto insurer denied my claim. What can I ask for, and what are my options?
Car insuranceDeniedTexasChecked Nov 5, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-05 · Source: TDI View original ↗
In short
- In Texas, a denial must say why, in writing.
- Read the letter next to the part of the policy it names.
- Talk to the company first. Then you can use appraisal or complain to TDI.
What this means
In Texas, TDI says that if your company rejects your claim it must say why in writing [1]. Read that letter next to the policy section it cites.
TDI suggests first trying to resolve the problem with your adjuster or company. If you are still not satisfied, TDI lists these options: the appraisal process in your policy (for disputes about the amount), and a complaint to TDI if you think the company treated you unfairly [2].
Your next step
+ deadline: TDI says the company has 15 business days after getting what it needs from you to tell you whether it will pay [1]. TDI's page does not state a deadline for you to dispute a denial; your policy may.
Where this comes from (2)
[1] TDI · checked 2026-11-05
Your company has 15 business days after getting what it needs from you to tell you if it will pay your claim. If the company rejects your claim, it must say why in writing.
[2] TDI · checked 2026-11-05
If you have a problem with your insurance company, first try to resolve it by talking to your adjuster or company. If you still aren't satisfied, you have several options to challenge your insurer's decision. Request appraisal … File a complaint If you think an insurance company has treated you unfairly, you can file a complaint with us.
How we found this
We matched your question to 2 official sources, quoted the exact lines, and re-checked each quote against its source on 2026-11-05.
What we don’t know yet
Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.
Every answer is checked against the official rule it quotes.
Information only — not legal advice. Your plan, insurer or agency decides.
This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
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