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Texas insurance glossary

TDI

TDI is the Texas Department of Insurance, the state agency that licenses agents and carriers, reviews rates and policy forms, and publishes consumer guidance.

Sources checked

It is established under Texas Insurance Code ch. 31. Every carrier writing in Texas files its rates and its forms with the department, which is what makes “as filed with the Department” a meaningful phrase rather than a flourish.

It holds the license register — this agency is TDI license #5595 — and it publishes the consumer guides that several entries in this glossary cite as their source.

It is not the Department of Public Safety. TDI regulates the insurance; DPS holds the driver record and receives the filings.

Sources: Tex. Ins. Code ch. 31 — Texas Department of Insurance; TDI — auto insurance. 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

  • TxDPS TxDPS is the Texas Department of Public Safety, the agency that issues driver licenses, records suspensions, and receives SR-22 filings from carriers.
  • Premium A premium is the amount charged for an insurance policy for a stated term, calculated from a carrier’s rates as filed with the Texas Department of Insurance.
  • Non-renewal A non-renewal is the insurer declining to continue a policy at the end of its term, as distinct from a mid-term cancellation or a declination that never issued at all.
  • Named driver policy A named driver policy is an auto policy that does not provide coverage for a person residing in the insured’s household unless that person is named on the policy.

Where this is handled

Knowing what a coverage is called is not the same as knowing what is on your policy. One independent agency can read your declarations page with you and compare the markets that will write your record.

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