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如果您的保险公司倒闭了该怎么办? | What to Do If Your Insurance Company Fails

Texas · TexasLawHelp.org

This document explains what happens to insurance claims if an insurance company has money problems or fails. It describes the role of Guaranty Associations, which are independent groups that step in to help pay claims for policyholders.

The court describes it as: 当保险公司遇到经济财务问题的时候，对您会造成什么的影响，以及如何让您的索赔获得 赔偿。| Sometimes insurance companies have money problems. Discover how that affects you and what do to do to ...

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Where this fits in a case

General & info

Information / general use — not tied to one step of a case

This information is provided as a general guide to help people understand their rights and options if their insurance company faces financial difficulties.

Either party may file.

Common questions

What is a Guaranty Association?
A Guaranty Association is an independent, non-profit legal group created to act as a safety net for insurance companies that are having financial trouble. When a member company fails, the Association helps pay claims.
Do all insurance companies in Texas belong to a Guaranty Association?
No, only licensed Texas insurance companies can join. If a company without a license has financial problems, it might be hard to get your claim paid.
What types of insurance are covered by the different Guaranty Associations?
There are three different associations: one for Life and Health Insurance, one for Homeowners and Auto Insurance, and one for Title Insurance.

Revision history

No changes recorded since we started tracking this form on October 9, 2026.

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