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Do insurers have to inform you why they denied coverage?

Just like any other responsible adult, you know that when you get behind the wheel of a car you need to be insured in compliance with Texas law. Yet when you sought out an insurer, that insurer denied you coverage and refused to provide you with a policy. Not only did they deny you coverage, but they ignored your inquiries into why. Are insurance providers legally allowed to deny such information to consumers?

According to the Texas Consumer Bill of Rights, no, they are not. Insurers are legally obligated to provide consumers with a written statement detailing why you were denied coverage, including a factual list of any incidents that influenced this decision. Insurers are also required to provide legitimate sources for any research data, studies or cited statistics that influenced this decision. If an insurer denies you the right to know why you were denied, you may be able to take legal action.

This does not apply to individual insurance agents and any guarantees regarding low prices or lowball offers. Insurance agents are not required to give you pricing information, or explanations as to why they did not provide you with information or transparency on the lowest possible rate. You cannot legally hold independent insurance agents liable for not providing you with the lowest possible rate upon issuing insurance coverage. However, you may have recourse if they subdivide a county to charge interest rates at a differential greater than 15 percent.

This blog post is only for information purposes, and does not constitute actionable legal advice.

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The Law Office of Jessica Taylor, PLLC

The Law Office of Jessica Taylor, PLLC
14100 San Pedro Avenue
Suite 602
San Antonio, TX 78232

Phone: 210-265-6759
Phone: (210) 402-4022
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