Your Texas Aftermarket Parts Rights in Dallas, TX
Adjuster telling you which shop to use and which parts you are allowed?
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Texas Insurance Code Chapter 1952, Subchapter G governs how insurers may and may not influence the repair of a damaged motor vehicle. The four sections of the Texas Insurance Code that say otherwise, in plain language, with the complaint route if somebody ignores them. Counter prices for every variant are in the table below, next to what a dealer parts department charges for the same thing.
What we keep on the shelf
- right to choose parts
- right to choose a repair shop
- right to know the part source
- right to a written notice
- the complaint route
- referral fee prohibition
- third party claimant rights
- unreasonable distance rule
- recycler licensing
- salvage title rules
Terms you will hear at this counter and on the phone: Texas Department of Insurance, Texas Insurance Code, Texas Department of Licensing and Regulation, TxDMV, Occupations Code Chapter 2309. If any of that is unfamiliar, ask, because getting the vocabulary right is half of ordering the correct part.
Six things worth knowing before you order
- Section 1952.301 says an insurer may not limit your coverage by specifying the brand, type, kind, age, vendor, supplier or condition of the parts used to repair your vehicle.
- The same section says an insurer may not stop you choosing your own repair person or facility, and applies that to third party claimants as well as policyholders.
- Section 1952.302 says an adjuster may not tell you, orally or in writing, that you must use a specific shop or one from a preferred list for the repair to be covered.
- Section 1952.302 also bars referral fees and gratuities in exchange for steering you to a shop, and bars making you travel an unreasonable distance to get the work done.
- Section 1952.304 says the insurer may not stop a shop telling you the description, manufacturer and source of the parts used, and what was charged for them.
- Section 1952.305 says the insurer or adjuster has to give you notice of these rights at the time the vehicle is presented for a damage claim. Most people never receive it.
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Your Texas Aftermarket Parts Rights prices in Dallas
| Section | What it prohibits | Who it protects |
|---|---|---|
| 1952.301(a)(1) | Limiting coverage by specifying part brand, type, kind, age, vendor, supplier or condition | policyholders |
| 1952.301(a)(2) | Limiting your choice of repair person or facility | policyholders |
| 1952.301(b) | Requiring a particular shop or part in a third party property damage settlement | third party claimants |
| 1952.302(1) | Referral fees or gratuities for steering a claim to a shop | everyone |
| 1952.302(2) | Saying you must use a specific shop or preferred list for coverage | policyholders |
| 1952.302(3) | Making you travel an unreasonable distance to get repairs done | everyone |
| 1952.304 | Stopping a shop telling you the part source, manufacturer and price | everyone |
| 1952.305 | Failing to give you notice of these rights when you present the vehicle | everyone |
What to do with this: read the section number to the adjuster on the call, ask for the notice required by 1952.305 in writing, and if it goes nowhere, file the written complaint 1952.306 allows with the Texas Department of Insurance.
Can my insurance company make me use aftermarket parts in Texas?
Texas Insurance Code Section 1952.301 prohibits an insurer from limiting policy coverage by specifying the brand, type, kind, age, vendor, supplier or condition of parts used to repair your vehicle.
Can an adjuster tell me which body shop to use?
No. Section 1952.302 prohibits an insurer, adjuster or their employer from stating or suggesting that you must use a specific repair facility or one from a preferred list for the repair to be covered.
Am I entitled to know what parts were used on my car?
Yes. Section 1952.304 prohibits an insurer from stopping a repair facility telling you the description, manufacturer and source of every part used and the amount charged for it.
Before an adjuster tells you otherwise
Texas Insurance Code Section 1952.301 prohibits an insurer from limiting your coverage by specifying the brand, type, kind, age, vendor, supplier or condition of the parts used to repair your vehicle, and Section 1952.302 prohibits an adjuster from telling you that you must use a shop from a preferred list. The statute is public and it is short. Read the whole subchapter here, or read the section numbers back to whoever is on the phone. Working on the same corner of the car? See Hoods, Grilles & Header Panels in Dallas. Working on the same corner of the car? See Automotive Paint & Body Supplies in Dallas.
Your Texas Aftermarket Parts Rights questions we get asked
What can I do if an insurer ignores these rules?
Section 1952.306 lets a policyholder, a third party claimant or a repair facility file a written, documented complaint with the Texas Department of Insurance about a violation of this subchapter.
Do these rights apply if the other driver's insurer is paying?
Yes. Section 1952.301 applies the same restriction to an insurer settling a third party property damage claim, so the at-fault driver's insurer cannot dictate your parts or your shop either.
How do I check that a used parts seller is licensed?
Texas licenses used automotive parts recyclers through the Texas Department of Licensing and Regulation under Occupations Code Chapter 2309, licences run one year and cover one facility, and TDLR inspects each facility at least once every four years.
Go and read it yourself
None of this is our interpretation to sell you something. The statute is public and it is four short sections.
- Texas Insurance Code Chapter 1952, Subchapter G, at the Texas Legislature.
- Texas Department of Insurance, where the written complaint under Section 1952.306 goes.
- TDLR used automotive parts recyclers, where a recycler licence can be checked.
Price this part for me
VIN, or year make and model, plus what broke. That is all we need to quote it.