How can I get a quote for a GAINSCO policy?

GAINSCO sells our insurance policies exclusively through a network of independent agent partners in the states of Arizona, Florida, Georgia, New Mexico, Oklahoma, South Carolina and Texas. To find a GAINSCO agent near you in one of these states, call our customer service team at 1.866.GAINSCO (1.866.424.6726).

What if I need to make a change to my GAINSCO policy?

For questions about your policy, including payment or renewal status, please contact your local insurance agent. Your agent can also assist you with changes or additions to your policy.

Why is it important to keep my GAINSCO policy active?

There are several important reasons not to let your auto insurance coverage lapse:

• It’s the law. Don’t risk driving without insurance. If you’re caught driving uninsured, you’ll face large fines and could have your license suspended.


• You could lose your car. Many states have begun impounding uninsured vehicles. Don’t take the risk.


• You'll save money! Maintaining continuous coverage keeps your insurance costs down. You’ll save money by staying insured.

How can I make a payment on my GAINSCO policy?

Currently GAINSCO does not accept electronic payments via our website. You have these options to make a payment:

• Return your monthly invoice with check or money order.


• To make a payment at any time 24x7 via checking account or credit/debit card, call GAINSCO’s customer service team at 800.552.7385. (No charge for checking account payments; transaction fee applies to credit/debit card payments only.)


• To set up automated payments, complete the payment form on your monthly statement.


• Visit your local GAINSCO agent’s office in your community.

What should I do if I have an accident?

If you have an accident, there are several things you should do immediately that will help your claim be settled quickly and with minimal hassle:

• It's very important to report the claim immediately to GAINSCO at 1.866.GAINSCO.


• Do not leave the scene of the accident.


• Contact the police immediately to report the accident.


• Use the accident information card provided with your policy paperwork to exchange information with all other drivers.


• Do not admit fault or discuss your insurance coverage.


• If possible, use a cell phone or digital camera to take photos of the accident scene and damage to all vehicles.

How do I report a claim to GAINSCO?

Our fast, friendly GAINSCO claims representatives are available to assist with your claim, in English or Spanish. Remember, the sooner we get your information, the sooner we can handle your claim. Click here for more information.

Why does GAINSCO sell through independent agents?

We believe that buying auto insurance is one of the most important financial decisions you will make. That’s why we only sell our insurance through independent agents. As your trusted advisor, your local agent is an expert who lives and works right in your community. He or she can can provide you with all the information you need to make the best decision for yourself and your family.

Does everyone have to have auto insurance?

Yes. Auto liability insurance or proof of financial responsibility is required in all 50 states. Although each state sets their own limits on how much insurance is needed, these are only minimum limits and in most cases additional coverage is needed if you don't want to have to pay additional expenses out of pocket. If you have a lease or loan on your car, the lender usually requires you to have comprehensive and collision coverage in addition to the state-required liability coverage.

How much auto insurance coverage do I need?

You should consider several things when deciding how much auto insurance coverage to buy:

• Your car - If you have a newer vehicle, you may want to increase your auto insurance coverage to protect your vehicle and be sure it is restored in case you have an accident.


• Your safety and security - If you don't like taking risks with your car or your health, your auto insurance coverage should reflect that with high coverage limits and low auto insurance deductibles.


• Your passengers - If you regularly have children as passengers, or several people in your car, you may want to increase your coverage.


• Other drivers of your car - You may need extra coverage for family members or others who regularly drive your car.

Discuss these things with your local agent and he or she can help you choose the best coverage for your car.

How does my driving record affect my insurance premium?

The premium you pay is a direct reflection of your driving record for the past three to five years depending on the insurance company. Insurance companies order driving records from the DMV of your residence state and from other states where you've been licensed. Statistics show that drivers with tickets and accidents are more likely to have accidents than drivers with clean records.