Get answers to commonly asked questions here.

Or call us at 1866.GAINSCO for assistance in English or Spanish.

GAINSCO sells our insurance policies through a network of independent agent partners and web marketplaces in the states of Arizona, Florida, Georgia, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, Utah, Virginia, and Alabama. To get a fast, easy quote now, go to Or call our customer service team at 1866.GAINSCO (1.866.424.6726) to request an agent near you.
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.
Here are the various options to make a payment:

  • Click here to make an instant payment online 24×7 using your credit/debit card.
  • Call us at 1866.GAINSCO and make a payment by phone via your checking account or credit/debit card.
    There is not a charge for checking account payments; transaction fee applies to credit/debit card payments only.
  • Return your monthly invoice with check or money order.
  • To set up automated payments, call us at 1866.GAINSCO to get started.  Or complete the payment form on your monthly statement and send it in with your payment.
  • Visit your local GAINSCO agent’s office in your community.
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 1866.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.
Call 1866.GAINSCO to file a claim. 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.

So we can best serve you, please have the following available when you call:

  • Your policy number (listed on your policy paperwork and your monthly statement)
  • Name of your local agent who sold you the policy
We believe that buying auto insurance is one of the most important financial decisions you will make. That’s why we sell GAINSCO insurance primarily 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.

If you are in a time crunch or just prefer to shop for insurance online, GAINSCO can help. Get a fast, free, and easy quote right now at Or call our agency and speak to one of our licensed insurance professionals at 1855.4GAINSCO. We offer service in English and Spanish.

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.
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, or call us at 1855.4GAINSCO.

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 future accidents than drivers with clean records.