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TAIPA News

[For TAIPA News, click here]

 

Purpose of the Association


The Association was created by statute and is subject to regulatory supervision of the Department of Insurance. The purpose of the Association is to make automobile bodily injury and property damage liability insurance required by the Texas Motor Vehicle Safety Responsibility Act available to eligible applicants, subject to the rules of the Association.

The Association has established procedures for the equitable distribution of applications for insurance to be assigned to insurance companies. All insurance companies (except ineligible county mutuals) authorized to write motor vehicle liability policies in the State of Texas must be members of the Association and participate in its operation.

The Association is governed by Chapter 2151 , Texas Insurance Code, and its Plan of Operation, which has been approved by the Commissioner of Insurance.

 

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Rule 9 FAQ's


Index:              [Go to: End of page]

  1. What is the additional charge for a non-fault accident?

  2. My insured has three at fault accidents. What surcharge applies?

  3. What is the additional charge for an accident and a ticket for "failure to yield"?

  4. My insured has two D.W.I.'s, what is the additional charge?

  5. The insurance company is charging my insured a 15% additional charge for an "overload" ticket, received while my insured was operating a company truck. Is this correct?

  6. My insured has a 17 year old son with a clear driving record. Dad has two tickets for "speeding" which the company has charged against the son on his car. Should this not be charged against the father's car?

  7. My insured has a "speeding" ticket which will drop off his record in two months. Will the company adjust the premium?

  8. The company is charging for a ticket for "glasses restriction". Is this correct?

  9. Is it correct that a company may charge for moving type violations only?

  10. The company is charging for a ticket "failure to appear". Is this correct?

  11. My insured had a one car accident, he overturned. Does an additional charge apply?

  12. What is the additional charge for a "no driver's license" ticket?

  13. What is the additional charge for a ticket "Expired driver's license"?

  14. Is there an additional charge for a "no motorcycle endorsement" ticket?

  15. What is the additional charge for a "no commercial operators license"?

  16. I have an insured with an owner's policy for which there are additional charges through the Association. He is now required to obtain a non-owner type policy for his occupation. Will these additional charges apply to his non-owner policy?

  17. I have an insured needing a policy. He had a D.W.I. almost three years ago. Will the company delete the additional charge at the three year anniversary?

  18. My insured had an accident with a fixed object. Do additional charges apply?

  19. My insured has two assignments, each with five vehicles. Both companies are applying additional charges under Rule 9. Is this correct?

  20. My insured has terminated a driver, because of his driving record. The company will not delete the driver's additional charge. Is this correct?

  21. My insured has an entry on his driving record showing "drug conviction". Is there an additional charge?

  22. My insured has an owner's policy through the Association. He has now obtained a Named Operator-Government Employee policy which was assigned to the same company. The company is applying the additional charge on this second policy for an accident in which the insured's child was at fault and a claim was paid. Is this correct?

  23. My applicant received a ticket in another state. Is there an additional charge?

  24. My applicant received a ticket for racing. Is this a major or minor violation?

  25. My insured has a son on her TAIPA policy with a driving record charge. The son now requires an SR-22; therefore, we are applying for a Named Non-Owner policy. Will the driving record charge apply to both the parents' and the son's policy?

Questions & Answers

  1. What is the additional charge for a non-fault accident?

    Fault or non fault does not determine the charges through the Association. All driving record surcharges are set forth under Rule 9. If there is Bodily Injury or Property Damage to others, and if none of the 5 exceptions shown in Rule 9 apply, there will be a 20% additional charge.


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  2. My insured has three at fault accidents. What surcharge applies?

    If there is a surcharge for each accident, the total additional charge will be 60%.  The maximum charge is 100%, whether for accidents, convictions or a combination thereof.

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  3. What is the additional charge for an accident and a ticket for "failure to yield"?

    If the accident is chargeable under Rule 9, there will be a 35% charge, 15% for the ticket and 20% for the accident.

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  4. My insured has two D.W.I.'s, what do I charge?

    Each D.W.I. has a 60% additional charge; however, the maximum additional charge under Rule 9 is 100%. If an SR-22 is required, there would be an additional $20 premium charge on the policy under Rule 10.

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  5. The insurance company is charging my insured a 15% additional charge for an "overload" ticket, received while my insured was operating a company truck. Is this correct?

    Yes, any violations of the traffic code listed on the MVR will be chargeable, unless listed as an “Exception” to the convictions listed in Rule 9.  The vehicle being driven has no bearing on whether or not the charge applies.

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  6. My insured has a 17 year old son with a clear driving record. Dad has 2 tickets for "speeding" which the company has charged against the son on his car. Should this not be charged against the father's car?

    Under Rule 9, all driving records are combined, for all drivers, up to a 100% maximum additional charge. This charge is then applied to the highest rated vehicle, with the remaining vehicles being without charge.

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  7. My insured has a "speeding" ticket which will drop off his record in 2 months. Will the company adjust the premium?

    The company will continue to surcharge for the ticket until the policy renews or terminates.

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  8. The company is charging for a ticket for "glasses restriction". Is this correct?

    Yes, all violations are charged, unless excluded in Rule 9.

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  9. Is it correct that a company may charge for moving type violations only?

    No. Rule 9 states traffic convictions, it does not state only “moving” violations.

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  10. The company is charging for a ticket "failure to appear". Is this correct?

    No. It is excluded under Rule 9.

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  11. My insured had a one car accident, he overturned. Does an additional charge apply?

    Only if there was any Bodily Injury or Property Damage to others. List the accident on the application; however, if there was no Bodily Injury or Property Damage to anyone other than the insured there will be no charge.

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  12. What is the additional charge for a "no driver's license" ticket?

    Usually the additional charge under Rule 9 is 60%. If the producer states that the insured had a valid license at the time, but did not have it on his person, then the charge must be amended to 15%. If so, this should be explained on the application.

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  13. What is the additional charge for a ticket "Expired driver's license"?

    The additional charge is 60%, as it is for driving without a valid license.

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  14. Is there an additional charge for a "no motorcycle endorsement" ticket?

    No, provided there is an otherwise valid license in force. If there was not a valid license in force, a ticket would probably be given for "no drivers license" and a 60% additional charge applied.

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  15. What is the additional charge for a "no commercial operators license"?

    The additional charge is 60%, as this is operating a commercial vehicle without a valid commercial license.

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  16. I have an insured with an owner's policy for which there are additional charges through the Association. He is now required to obtain a non-owner type policy for his occupation. Will these additional charges apply to his non-owner policy?

    Additional charges will apply to both policies.

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  17. I have an insured needing a policy. He had a D.W.I. almost three years ago. Will the company delete the additional charge at the 3 year anniversary?

    If the policy is a Personal Automobile Policy, the additional charge will be deleted 36 months immediately following the date of conviction, whether mid-term or at expiration. Notify the company on this anniversary date. If on a Business Auto policy, the additional charge is applied until next renewal date.

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  18. My insured had an accident with a fixed object. Do additional charges apply?

    A surcharge applies only if there was Bodily Injury or Property Damage to others. 

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  19. My insured has two assignments, each with five vehicles. Both companies are applying additional charges under Rule 9. Is this correct?

    Since each company has exposure for these drivers, each company is entitled to the additional charge, on the highest rated vehicle per policy.

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  20. My insured has terminated a driver, because of his driving record. The company will not delete the driver's additional charge. Is this correct?

    If the driver was on the policy at inception, the company will charge for his record until renewal.  By the same token, applicable charges for drivers added during the policy term won’t be included until the next renewal date.

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  21. My insured has an entry on his driving record showing "drug conviction". Is there an additional charge?

    No. This indicates that the insured was convicted of a drug offense. These offenses are required to be listed on the Motor Vehicle Record..

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  22. My insured has an owner's policy through the Association. He has now obtained a Named Operator-Government Employee policy which was assigned to the same company. The company is applying the additional charge on this second policy for an accident in which the insured's child was at fault and a claim was paid. Is this correct?

    Yes, a 20% surcharge applies for accidents if the insured was involved as either owner or operator of the vehicle.

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  23. My applicant received a ticket in another state. Is there an additional charge?

    Yes, if not excluded by Rule 9.

    Back to index
  24. My applicant received a ticket for racing. Is this a major or minor violation?

    This is not considered a “major” offense; therefore only a 15% additional charge will apply.

    Back to index
  25. My insured has a son on her TAIPA policy with a driving record charge. The son now requires an SR-22; therefore, we are applying for a Named Non-Owner policy. Will the driving record charge apply to both the parents' and the son's policy?

    No, there is an exception under Rule 9 which states that additional charges applied in the rating of the TAIPA owners policy shall not be applied in the rating of the TAIPA Named Non-Owner policy which insures a relative of the owner, who is resident of the same household.

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EASi

To access the EASi website, follow this link:

EASi Access!

 

For more information on EASi, consult the EASi User Guide.

Details on How-to Apply through TAIPA using EASi is found in the EASi's How-to Apply page.

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For Producers

Forms & Documents

Use the menu on the left to find links to useful .PDF files. You may download and use these forms or documents using Adobe Acrobat Reader, which is available on the Adobe website.

How-to & FAQ

The How-to section provides information on a few important procedures. You may also refer to the FAQ section for common questions asked by Producers.

 

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Servicing Carriers & TPA Info
Carrier Info

For Companies

Quotas & Carrier/TPA Info

Use the links on the left menu to find more information on Quotas or Servicing Carriers and Third Party Administration Contacts.

Forms & Documents

Use the menu on the left to find links to useful .PDF files. You may download and use these forms or documents using Adobe Acrobat Reader, which is available on the Adobe website.

Statistical Data

This section contains valuable data that can be analyzed or used for reference.

FAQ's

Please refer to the TAIPA and Rule 9 FAQ's to answer common questions regarding Companies.

 

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Forms & Docs
Plan of Operations
FAQ
TAIPA

For Insured

Forms & Documents

Use the menu on the left to find links to useful .PDF files. You may download and use these forms or documents using Adobe Acrobat Reader, which is available on the Adobe website.

How-to

The How-to section provides information on a few important procedures.

FAQ's

Please refer to the TAIPA FAQ's to answer common questions for the Insured.

 

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Links

Links to useful sites are located in the left menu.

 

 

Other Insurance related information:

Texas Windstorm Insurance Association
New Mailing Address: Physical Address:
P. O. Box 99090
Austin, Texas 78709-9090		 5700 South Mopac Expressway
Building C, Suite 300
Austin, Texas 78739
Main Phone Number: 512-899-4900 Main Fax Number: 512-899-4950

 

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About Us

Contacts

The contacts section contains a directory of staff and members of respective committees that are associated with TAIPA. Please use the directory listing to contact us, or call our toll-free number: (866) 321-9154

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TAIPA Meetings

Current listing of our meeting dates. Governing Committee Agendas are also available for download.