Physical Examinations for Auto Insurance

According to Section 5.202 of the Texas Administrative Code, an auto insurer that requires physical examinations for underwriting purposes must pay the expense of such examinations.

RULE §5.202 Physical Examinations in Motor Vehicle Insurance Underwriting

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If a company requires physical examinations for motor vehicle insurance underwriting, the costs for the examinations are not chargeable to insureds. Such examinations constitute a hidden charge for insurance and have the same status as credit and driver record reports.

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Source Note: The provisions of this §5.202 adopted to be effective October 26, 1983, 8 TexReg 4187.