Questions & answers · Car insurance
My insurer called after my accident and I did not answer. Can it refuse to renew my policy?
Car insuranceOtherTexasChecked Nov 6, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: TDI View original ↗
In short
- After an accident, your insurer will call or email you.
- A 2021 Texas law bars renewal if you do not cooperate.
- This holds even when the other driver reported the claim.
What this means
TDI says that after an accident your company will call or email you to learn what happened. Under a law passed in 2021, companies cannot renew your policy if you do not cooperate when they reach out for information [1]. TDI says this is true even if the other driver reports the claim to your insurance company [1].
TDI also says companies probably will not drop you after the first wreck. But if you get in many accidents or get many tickets, you might be charged more [1].
Your next step
Answer your insurer's calls and emails about the accident. The sources give no deadline.
Check it yourself
Open the TDI FAQ and read the two questions, "Will my insurance drop me if I get in a wreck?" and "My company said it won’t renew my policy if I don’t respond…".
Where this comes from (1)
[1] TDI · checked 2026-11-06
Companies probably won’t drop you after the first wreck. But if you get in a lot of accidents or get a lot of tickets, you might be charged more. … Yes. After an accident, your company will call or email you to learn what happened. Under a law passed in 2021, companies can’t renew your policy if you don’t cooperate when they reach out to you for information. This is true even if the other driver reports the claim to …
How we found this
We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.
What we don’t know yet
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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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