If you’re in the market for auto insurance, Gainsco Insurance is a company that may be on your radar. While they aren’t one of the largest insurance companies in the industry, they do have a decent reputation and offer coverage in a variety of states. In this article, we’ll take a closer look at what Gainsco Insurance has to offer and what their customers have to say about their experiences.
Overview of Gainsco Insurance
Gainsco Insurance was founded in 1978 and is based in Dallas, Texas. They specialize in providing minimum-limit personal auto insurance coverage to drivers who may have difficulty obtaining coverage elsewhere, such as those with poor credit or a less-than-perfect driving record. They currently offer coverage in Arizona, Florida, Georgia, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, and Virginia.
While they may not offer the same level of coverage and benefits as some of the larger insurance companies, Gainsco Insurance can be a good option for those who are simply looking for the minimum coverage required by their state. Their policies also include some additional benefits, such as rental car reimbursement and roadside assistance, that can come in handy in the event of an accident or breakdown.
Gainsco Insurance Reviews
So, what do Gainsco Insurance customers have to say about their experiences with the company? Let’s take a look at some of the most common comments and complaints we found in our research.
Many customers are happy with the affordable rates offered by Gainsco Insurance. They also appreciate that the company doesn’t require a credit check to obtain coverage, which can be a huge benefit for those with poor credit or no credit history. Some customers also report positive experiences with the company’s customer service, noting that representatives were helpful and easy to work with.
On the other hand, there are also plenty of negative reviews of Gainsco Insurance out there. One of the most common complaints is that the company’s claims process is slow and difficult to navigate. Some customers report having to wait weeks or even months for their claims to be processed and paid out. Others note that the company’s rates can increase significantly after an accident or traffic violation, making coverage less affordable in the long run.
Gainsco Insurance FAQ
To help you better understand what Gainsco Insurance has to offer, we’ve put together a list of some frequently asked questions about the company and its policies.
What types of coverage does Gainsco Insurance offer?
Gainsco Insurance specializes in minimum-limit auto insurance coverage, which is the bare minimum required by law in most states. They also offer some additional benefits, such as rental car reimbursement and roadside assistance.
What states does Gainsco Insurance operate in?
Gainsco Insurance currently offers coverage in nine states: Arizona, Florida, Georgia, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, and Virginia.
Do I need a credit check to get coverage from Gainsco Insurance?
No, Gainsco Insurance does not require a credit check to obtain coverage. This can be a benefit for those with poor credit or no credit history.
How can I file a claim with Gainsco Insurance?
You can file a claim with Gainsco Insurance by calling their claims department at 1-866-424-6726. You can also file a claim online through their website.
Does Gainsco Insurance offer any discounts on their policies?
Yes, Gainsco Insurance offers a variety of discounts on their policies, including discounts for safe driving, multiple vehicles, and completing a defensive driving course.
Overall, Gainsco Insurance can be a good option for those who are simply looking for minimum-limit auto insurance coverage. While there are some negative reviews out there, many customers are happy with the affordable rates and helpful customer service offered by the company. As with any insurance company, it’s important to do your research and read reviews from other customers before making a decision.