Texas law requires you to have auto liability insurance and under Texas insurance law you have certain legal rights.
You have the right to choose the facility where your vehicle gets repaired You do not have to take your car to the shop with the cheapest estimate or one picked by the insurance company.
You do not have to get three written estimates. If requested, you may supply one estimate from the shop where you intend to have the repair work done. If the repair shop of your choice and the insurance company fail to reach an agreed price, you have the right to ask for a third opinion or for arbitration.
If you are not satisfied with the way your claim is being handled, contact your insurance agent. If you do not get reasonable results from your agent, then contact the State Department of Insurance listed below:
Texas Department of Insurance Consumer Protection (111-1A)
P.O. Box 149091 Austin, Texas 78714-9091
800-252-3439 (512-463-6515 in Austin)
To review the complete Personal Automobile Insurance Bill of Rights, please visit the following address: www.tdi.state.tx.us