Moon Insurance Managers, Inc.
Menu
Tel. (281) 484-8320

Texas insurance glossary

TAIPA

TAIPA is the Texas Automobile Insurance Plan Association, the state's assigned-risk pool that places basic auto liability for drivers no ordinary insurer will write.

Sources checked

It is the market of last resort, created by statute and shared by the insurers writing auto in Texas. A driver who has been declined can apply, and a company is assigned to them.

It is not the cheap option and is not meant to be. TAIPA writes the minimum liability the law requires and little else, at rates set for risk nobody volunteered for.

Most drivers who think they need it do not. The non-standard market writes records that feel unwritable, and it is worth exhausting before an assigned-risk application — which is exactly what an independent agency is for.

Sources: Texas Insurance Code ch. 2151 — Texas Automobile Insurance Plan Association; TAIPA — Texas Automobile Insurance Plan Association; TDI — automobile insurance guide (CB020). Verified .

A definition, not legal advice and not a quote. Rules and figures change; confirm your own situation against the source named above, or with us, before you act on it. Last checked .

See also

  • Non-standard auto Non-standard auto is the market segment for drivers the preferred market declines or prices badly, after tickets, at-fault crashes, a lapse, or no prior insurance.
  • Liability coverage Liability coverage is the part of an auto policy that pays other people for injury or damage the insured driver causes; it repairs nothing belonging to the insured.
  • SR-22 An SR-22 is a certificate a Texas insurer files with the Department of Public Safety to prove a driver carries at least the minimum liability coverage Chapter 601 requires.
  • 30/60/25 30/60/25 is the shorthand for the minimum auto liability limits Texas requires: $30,000 for one injured person, $60,000 for a crash, and $25,000 for property damage.

Where this is handled

A definition does not file anything. When the suspension date is closer than the research, one independent agency on FM 1959 can transmit the SR-22 to the DPS and tell you what the state wants before you pay anyone anything.

Start my filing Back to the glossary