How Long Do Insurance Companies Have to Accept or Deny a Claim in Texas?

In Texas, insurance companies generally have 15 business days to either accept or deny a claim under the Texas Insurance Code. Knowing this timeline is critical after a car accident, as it helps you recognize when an insurer is following the law versus when they may be delaying or abusing the process.

While 15 business days is the standard, there are exceptions that can extend this period. For example, insurers may need additional time to investigate complex accidents, interview witnesses, or gather necessary documentation. However, for straightforward accidents — such as a rear-end collision with clear liability — there should typically be no need for prolonged delays. If the insurance company keeps requesting more time without valid reason, it may be a sign that they are trying to pressure you or diminish your claim.

Insurance companies often use delay tactics to wear down claimants. They may say they need to “speak with the insured,” “investigate further,” or “review additional documentation,” even in cases where liability is clear. These delays can be frustrating and harmful, especially if you have medical bills, car repairs, or lost wages that need immediate attention.

This is why it’s important to consult a personal injury attorney early in the claims process. Attorneys who are experienced in handling insurance claims can recognize when an insurer is stalling improperly. Often, simply having a lawyer on your side with a reputation for filing lawsuits is enough to motivate the insurance company to accept fault and settle your claim promptly.