Texas
Your AI Accident Assistant for Texas.
We handle Texas property-damage claims end-to-end — body shop, rental, total loss, diminished value, loss-of-use, and recovery dollars.
How Texas treats your claim
- Total loss threshold
- 100% of fair market value
- Appraisal clause
- Mandatory in policies
- Diminished value (DV) recovery
- Recoverable
- Loss-of-use (extended rental)
- Recoverable as damages
- Statute of limitations
- 2 years
- Small claims cap
- $20,000
- Fault rule
- Modified 51% bar
- First-party PA license
- Not required for consumer DIY
TTF: case-by-case math involving repair cost + salvage.
Typical window: 120 days from disagreement.
American Manufacturers Mutual Ins. Co. v. Schaefer, 124 S.W.3d 154 (Tex. 2003) (1P DV non-recognition); J&D Towing, LLC v. American Alternative Ins. Corp., 478 S.W.3d 649 (Tex. 2016) (loss-of-use); Texas PJC 81.5/81.6 (3P measure)
Tex. Ins. Code Ch. 4102 (Public Insurance Adjusters), §§ 4102.001, 4102.051, 4102.103
Dive deeper into Texas
What Claimoe does for Texas claims
- · Drafts every adjuster email for your approval, with Texas-specific language and citations.
- · Calculates your diminished value using the 17c framework and American Manufacturers Mutual Ins. Co. v. Schaefer, 124 S.W.3d 154 (Tex. 2003) (1P DV non-recognition); J&D Towing, LLC v. American Alternative Ins. Corp., 478 S.W.3d 649 (Tex. 2016) (loss-of-use); Texas PJC 81.5/81.6 (3P measure).
- · Tracks the 120-day appraisal-clause window and invokes it when your carrier holds.
- · Files loss-of-use extensions if your rental cap expires before repair completes.
- · Watches your case 24/7 and only pings you when you need to decide.
Other states we cover
Drafted by AI · Texas rules summarized for general information; not legal advice. We update each state as carriers and legislatures change. Source citations linked from your case dashboard.