Auto Insurance Fraud?

The answer to that question might vary from state to state. In general, you paid a premium to shift a risk. The insurance company accepted the risk and [apd the value it determined was consistent with its obligation under its contract with you, End of tansaction. You did not make a knowing misrepresentation of material fact. There was no intent to induce reliance nor was there detrimental reliance and they were not harmed as they performed the inspection themselves. Unless the Texas Code addresses this in some manner more restrictive than those criteria imposed by general tort principles, there is no farud there.