Texas Administrative Code
Title 28 - INSURANCE
Part 1 - TEXAS DEPARTMENT OF INSURANCE
Chapter 5 - PROPERTY AND CASUALTY INSURANCE
Subchapter H - CANCELLATION, DENIAL, AND NONRENEWAL OF CERTAIN PROPERTY AND CASUALTY INSURANCE COVERAGE
Division 1 - GENERAL PROVISIONS
Section 5.7016 - Prohibition of Nonrenewal for Not-at-Fault Accidents or Claims - Personal Auto Policy

Universal Citation: 28 TX Admin Code § 5.7016

Current through Reg. 50, No. 26; June 27, 2025

(a) None of the types of claims or accidents listed in paragraphs (1)-(4) of this subsection may be used by any insurer as the sole basis for a refusal to renew a personal auto policy:

(1) claims involving damage from a weather-related incident that do not involve a collision, such as, but not limited to, hail, flood, tornado, winds, or hurricanes;

(2) accidents or claims involving damage by contact with animals or fowls;

(3) accidents or claims involving damages caused by flying gravel, missiles, or falling objects; provided, however, that upon renewal the insurer may increase the deductible to the higher of $250 or the next higher available deductible increment in the event of three losses in any 36-month period; or

(4) towing and labor protection; however, the insurer may eliminate towing and labor protection in the event of four towing and labor claims in any 36-month period.

(b) Any other claims or accidents in which an insured cannot reasonably be considered to be at fault may not be used by any insurer as the sole basis for a refusal to renew the insured's personal auto policy, unless there are two or more such claims or accidents in any 12-month period.

(c) Beginning 60 days after the effective date of this rule, an insurer must provide a one-time written notice to the insured of the contents of this rule, in a form that has been approved by the board, upon issuance of each new policy or with the first renewal after the effective date of this rule.

(d) "Refusal to renew" as used in this rule means an insurer's refusal to renew a personal auto policy in the same insurance company which originally issued the policy.

Disclaimer: These regulations may not be the most recent version. Texas may have more current or accurate information. We make no warranties or guarantees about the accuracy, completeness, or adequacy of the information contained on this site or the information linked to on the state site. Please check official sources.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.