Another fraud of an insurance company. They offer cut-rate insurance to bad/uninsurable drivers, and if one of their drivers hits you they will not conduct an investigation and immediately deny your claim. Their adjusters are a complete joke and won't even answer their phones. Hopefully they are out of business soon. Get a dashcam. read more

Same experience like everybody. If somebody with this insurance hit you dont bother to look for compensation from this insurance....

Awful awful awful!! Im the victim of their insured driver who ran a yield sign and totalled my car! And they have treated me like a joke! Im now 29 days into my claim they have totaled my car and took it but have yet to get me a rental or send what they need to my bank so I can get into another vehicle! 29 days now my child and I have been without a car and they treat me like a joke when I call, if they even answer or call me back!! Never ever use them! They treat you like a joke and leave you stranded! read more

If I could leave a zero I would! I was in an accident with one of their drivers who ran a stop sign on March 6th it is April 22nd and I still don't have my car and no answers. I have left numerous messages with my adjuster Ms Jasmine who has only returned my messages 3 times with no answers whatsoever. I have also left numerous messages with her supervisor Ms Delane who has not once returned my calls and with Ms Delane's supervisor Ms Heidi who also has not returned my calls. I have had to call out of work cuz I haven't had a vehicle when I wasn't able to borrow one. I am also so far out of almost $700 in rental vehicles. Its crazy to me that I still don't have answers and not a single person will return my calls! Avoid them cuz they do not care! read more

I had a minor collision in a parking lot. The Gainsco adjuster, Karen Bahena, called and basically interrogated me like she was a police officer looking for a bust. Karen decided it was my fault! I talked to Karen's Supervisor Jessica Scallons who said since I was driving for Grub Hub she switched it to nobody's fault since Gainsco wasn't covering it. That turned out to be a lie! Gainsco cancelled me even though I twice called to get copies of my insurance card for Uber Eats and six months later for Grub Hub, but I wasn't told anything. They've collected my fees for four years, but eight months since I started driving for apps and never said anything. I had to get a different insurance company and found Karen's my fault verdict was on my record. I asked a cop who said the other driver was negligent, because I was in the main lane of Wendy's preparing to back into a spot, so she was supposed to yeild to the right of way, so she's negligent. Had I not been in the main lane then I would have to yeild to her. Had I been backing out of a spot I would've had to yeild to her. However, I was in the main lane, so she has to yeild to the right of way. At the scene she said, "I was trying to get out of the way" this meaning she got too close which is why it's negligence on her behalf. Not to mention that's probably a lie, because I'm nearly 100% certain she hit me as well. Then there's the issue I was hit in the rear. That doesn't even cover the fact she hit me as well as I hit her, but Karen, going by the interrogation of a four year Gainsco customer, decided it was my fault and that's what's out there for other insurance companies to go by. Karen made no effort to get the video, so she took my word for what the Wendy's manager told me which was a conflicting statement. The Wendy's manager, after I told her where the incident occurred, first said I had to get the police to get the video and then later said she didn't have cameras on that side. It is my belief there are two cameras on that side. Karen didn't pursue the video or give me the pics the other driver used as evidence against me. Jessica didn't send the pics used as evidence against me either. Something's fishy and I have Karen as the lead suspect. Karen and Jessica work for Gainsco and Gainsco customers? Bless their hearts! read more

No stars because they are HORRIBLE. Their driver hit my daughter, its been 3 months and its still not settled, we had to involve our own insurance company. If you choose this insurance company you are at risk for a civil suit because they will not pay damages. If you have had any issues with this company file a formal complaint with the Texas Department of Insurance. They need to be closed! Link below to take you to file a complaint https://www.tdi.texas.gov/consumer/get-help-with-an-insurance-complaint.html read more

My elderly stepmother has this insurance because she has terrible credit, limited funds, and presumably couldn't get insured anywhere else. I've recently taken over managing her finances and Gainsco truly does everything they can to make it impossible to pay your bill on time. They do not allow clients to do auto-payment without calling and jumping through hoops, only to find out I actually have to fill out paperwork with my stepmother's local State Farm agent (in another state) to activate autopayment. They do not have an address where you can set up bill pay with your bank because: "many of our customers would bounce checks, which caused extra expenses, so we no longer allow people to pay with checks." What? Seriously. Also, they don't send the bill to my email as I requested. So it still goes physically to my stepmother's P.O. Box in another state. They also don't allow you to see past payments in your online account. Like, I'm not totally sure when the next payment is due. I know I paid for two months in October. It's December, but it says no payment due...which can't be true. My take is this: they want you to pay late so they can charge late fees and reinstatement fees. They're predatory on people who can't afford better insurance. They're no better than those payday advance businesses. As someone who never pays anything late, has built up a stellar credit score, and has been with State Farm since I was 16 years old, I'm really shocked and dismayed by Gainsco and how they prey on people who don't have many, if any other options. Gainsco executives should be ashamed of themselves. read more

I have this insurance and they suck can't even talk to u or put u on hold til u get tired of waiting then wen u call ball they won't answer the fone punk ass bitches 0000 star rating read more

This company is NOT GOOD we were hit by a client of theirs in March 6 2025. The company called us when we called back got no answer for 2 weeks so now we have to go through our own insurance company. When you see this company be aware that you will end up using your insurance or paying for your own damage. They should be put out of business it's not right how they treat people read more

Their willingness to cover a clients not at fault accident repairs they refused to cover out not at fault accident leaving us to have to cover $9000 but their quick to take $500 a month from us their a total rip off read more

BEWARE! SCAM insurance!! If you get in an accident and the other person has GAINCO--They are basically UNINSURED! They just sell insurance to illegals so they have a card to carry and get by police when they cause an accident. When you call them to get repairs started- they inform you their coverage doesn't "qualify" to repair the damage of their insured. TOTAL SCAM INSURANCE! Becca read more

I would give this insurance company less than 0 stars if that were possible. Customer service is a foreign language to them. Their insured side-swiped my car on November 12, 2023, in Bastrop, Louisiana. The driver was TICKETED for attempting a left turn in front of me on a one-way street. The damage to my car was fairly major, even though it was still drivable. It took me several days to connect with the adjustor with Gainsco, with me calling repeatedly. I did everything required of me. That was the last time I spoke with anyone in authority at Gainsco. They will not return my calls, and that includes supervisors. Finally, on February 15, 2024, I received a lowball check for damages. That is over 3 months since the accident. I need a rental since this is my only vehicle. I've been assured by others who should know that I should have a rental available to me. I cannot get this verified with Gainsco. I am elderly, and the collision company is an hour away in San Antonio. If anyone is contemplating using Gainsco for their auto insurance needs, please use caution. read more

Good luck getting g paid out on a claim with this company! No one answers the phone or calls you back. The WORST rated insurance company ever! Only insures high-risk drivers and only hires half-wits! read more

Run Away!!! Very disappointing! Very poor communication skills and professionalism. They refuse to etend the lease on my rental car, eventhough they were very late to respond to the bodyshop and they were truly dragging their feet. If I can give less than one star I would. I called so many times and left so many messages, no respond and finally they start to respond with text. Really poor company! You will be very disappointed and frustrated. read more

These guys are literally the worst. They cancelled my insurance after missing a single payment, and when I returned to make that payment two weeks late, they told me they would not be able to reinstate me. TWO WEEKS LATE. That's nothing. Any company I've been with has always been very accommodating to get paid, but apparently it's just not worth it for these guys. I'll never go low tier again. Just gonna sign with one of the big companies like Progressive. read more

My parked car was hit by a motorist "covered" by Gainsco. The damage is around $3k. After four days and emailing/speaking with four different agents I was finally told today that the driver of the vehicle (whose name is on the policy) was excluded from this vehicle! I just assume this company pays for nothing. I'm just thankful I was never foolish enough to buy a policy with them. If anyone wants to start a class-action lawsuit, count me in. read more

GAINSCO Auto Insurance - This is the boilerplate statement they apparently include in all customer emails. I got the same thing from two different agents. - Auto Insurance Near Me - Dallas, Texas

See all

I would give them a zero if such option exists. I bought a six month auto insurance policy from them, when I made the last payment over the phone, I asked them if there was anything I needed to do because I intended to get my insurance from another source, I was told that I didn't need to do anything, that if the one I had expired, that would be the end of it. My policy with them expired in February. I bought another policy from another insurance company a day before the expiration of the one I had with them. In July, they sent my account with them to a collection agency, stating that I was owing them $242.19. I never renewed my insurance with them, they didn't send me any renewed insurance papers and I never signed any renewed insurance with them. I am sending the replacement policy to the collection agency. This people do not want to give you any real coverage, they just find ways to collect your money when they are sure that they have no obligation towards you read more

I called and canceled my insurance because Progressive wad $40 Cheaper with more coverage!!! After canceling policy Gainsgo continued trying to take premiums out of my checking account. This ended up costing me $105 Overdraft fee from bank. This was after the 5 day waiting period even . The bank said I would have to contact I insurance company for the reimbursement the insurance Said they didn't refund Overdraft fees.. I could understand that but it was entirely their fault for even trying to get The payment after it was canceled and past the 5 day period. I live on a fixed income and can not afford to lose $105 for something that was not my fault.. I WOULD STAY AWAY FROM THIS COMPANY FOR YOUR O. GOOD. I know Progressive is good insurance and instead of paying $80 To a company that would do this and wonder if they would even pay off if you needed them. I am glad a switched to Progressive insurance at $40 a month for a lot more coverage and I know they meet their obligations.. read more

Absolutely worst experience with this company. Not only were they extremely difficult to reach as a general whole, but adjuster Jeff Lett lied to me about contacting the delearship repair area. When I called the dealership, they said that he didn't even call once, but Jeff said he tried for 3 days to speak with them. My car was being looked at for over a month in order to tell me they weren't going to cover anything. They could have had this done within days, but Jeff was not doing anything to finalize the process and extended the time. He was overly rude to me with all questions I had. Took a bus during COVID times for literally no reason. Great. Agent Angelica Rodriguez was never in the office and rarely returned my calls. She was not helpful and doesn't work weekends. I would call on Thursday and she would be on an extended weekend. When i asked for anyone else to assist, they said she was the only one that could. Absolutely frustrating and terrible. I regret ever paying them to begin with. read more

tried calling 3 different times they keep hanging up on me saying they cant hear me they dont even try to help me some bs company. Need to file a claim with them I guess I'll never be able to since they keep hanging up. read more

The pricing was fair and the service was pretty good but they didn't have their act together. Any time I would try to pay my premium online or through the automated phone my policy number couldn't be found. This only happened after 3 or 4 months of not having issues and they were never able to fix it. I ended up cancelling my policy due to having to, every month, call and complain that I couldn't pay online and explain the issue, then paying through a live rep. This always took 30 minutes or more. read more

gainsco wont aaaq pay an insurance claim . do not get your insurance from these people they will give you the runaround and almost 9 months later I still don't have the money for my insurance claim. Try to rip off the little guy.. read more

someone stole my vehicle, i reported it stolen and the next day, i was told the vehicle was involved in a hit and run. Thankfully i reported it stolen to the police but this fraudulent company wont pay out! i had FULL coverage and apparently im still at fault?! I will be getting a lawyer to deal with the person who stole my car and for these untrustworthy money whores that goes by GAINSCO... read more

Ridiculous hold times. I've had to call 3 separate times to update my phone & address. Why they were unable to do it the first time is beyond me. They slack. read more

I would not give this company even one star. I have there coverage and my car was a hit and run situation. They are not professional at all. They wanted to pay out only $300 instead of having an actual auto shop do the estimate they decided it was only worth $300 to fix it and they sent me a check to settle. I was shocked angry and frustrated. I did not cash the check and they will be hearing from me. You know who is behind this company is State Farm. Yup that is right big brother no wonder they are a shame. read more

They will price gouge you to any extent possible, they are extremely rude and are a terrible company. Only sign with Gainsco if you have no other option read more

I normally do not write long reviews like this, but the experience was so horrible that I ask you to read to the end. My first claims adjuster ended up being really nice. (I will call her "T" Thank you T you deserve 5 stars for being so patient with me); especially because I know I was a pain in the butt At first yeah I apologized for that And I attempted to clear the air, but at that point the supervisor Gabe Goggans took over and he was Horrible to work with. I told him I wasn't sure what I wanted to do because he quoted aftermarket parts that were really cheap and someone mentioned because my car was so new I might want the more expensive new part and I wasn't sure at the time so I expressed that to him, and he said it didn't matter what I did he was just gonna send the estimate and a check and close the case no matter what, because that They were legally bound to do. I then asked him to just forget the whole thing and cancel the claim because I just didn't like the way he was handling things and of course he just sent the check and the estimate and close the case. This was back in February 2023. I gave the estimate and the check to the Auto place, but told them I was not sure if I wanted to move forward or not so the paperwork just sat at the auto shop and it's still there as I am writing this. SO!! Here is the craziest part about all of this in the most outrageous thing I have ever dealt with in auto insurance I received a quote from Gainsco Claims and Gabe said that my $700 hundred claim Was "an at fault collision" (a Long story, but a pothole) and they wanted to double my premium since I had some unfortunate mishaps prior, but double meant pain $1,600 a month for car insurance; my 6 month premium would have been $9658 due to a $700 pothole claim!?!?!?! And after emptying my pocketbook with that ridiculous quote,the Gainsco company wanted to drop me. I will say I take accountability for my prior mishaps, and I thought paying $800 a month was outrageous, but this, seemed personal. I just learned about all of this on Thursday or Friday of last week so I've had to wait the weekend but I'm going to make a complaint and for all of you out there the company might be great but this specific person gave me hell and made the mistake of putting the previous drivers name on my auto insurance ID card breach of privacy !!!!! read more

This is straight-up fraud, their clients are basically driving around without insurance. Look at all the reviews, this company literally doesn't pay out claims when their clients damage other peoples property. How is this different than them not even having insurance? My claim number is TX592188. My girlfriend was at a complete stop and was rear-ended by one of their clients, their client admitting fault immediately. I initially received a call from Jenna (the adjuster) but she needed my girlfriend's statement and she wasn't home. I told her she would be home in 5 minutes and would call her right back. We have now called for 2 weeks getting her voicemail every time and does not return phone calls. read more

They insure high risk drivers! Mame sure you get a lawyer if you are hurt, or they will not help you. I was hit and had a terrible experience getting my truck and rental car paid for. Called and cancelled my car rental out of the blue even though my truck wasn't finished then refused to pay the final $500. They finally paid half and acted like they were victims of course. Worst customer service I have ever seen. Had no concern I was hurt in the accident, only concern was to avoid paying anything. They are a total fraud company who shouldn't be allowed to operate. As you can tell by the one star rating. read more

Absolutely hands down the worst insurance out there! My car was hit on 27 May 2021 and still has not been fixed. They have not reached out to me and I left 14 voicemails. Wondering if this company is even real. Bottom line - DON'T GET GAINSCO insurance! COMPLETELY A FRAUD COMPANY Update: 23 August 2021 - Just talked with the customer service agent Monisha (Very Polite and Helpful), she got me to a representative after i said i was going to get an attorney. I talked with Hedi, she did not have my information on file from when their insurer hit my car. She took my information and sent me an email to take take pictures of the damage. Not I will wait and see. This was after I called the claims representative Sergio, his supervisor Josie over 20 times over the last few months. I cannot believe the process this company has and how they even have customers. I have never had problems with Progressive, Allstate, or USAA. More to follow on this process. read more

Hold times is are absolutely outrageous and the extremely repetitive automated message is maddening.

they fkn suck!! been on the phone for 2.5hrs and no answer still on coverage on a dam loaner vehicle pos read more

I need someone from Gainsco to contact me please! I understand COVID! Believe me I'm in the middle of it, but there is something wrong with my policy that needs corrected. I have been trying for days to get a call To go through or a call back. I've called several numbers and even text and emailed my agent. Please give me a number to call that is working properly!!! read more

Wish I could give 0 stars! First they're telling me that I still owe money from a car that I had an accident with and the policy was supposed to be canceled. Now they've held me at fault for the accident when they have the police reply showing that I wasn't! Don't ever deal with them, please. read more

i got hit by someone who didn't have insurance and i had to file with my own which is gainsco. they're now doing an investigation and arnt paying anything. not able to work because my back is messed up and have doctor bills. my car is destroyed and not driveable. they need to get their stuff together. read more

The absolute worst insurance ever !!! This place should be shot down ! I got rear ended and they won't return my calls at all , not even the supervisors. read more

Just another horrid experience with Gainsco Insurance. I was rear-ended by a Gainsco customer while waiting in a turn lane for traffic to clear. Was knocked clear into busy highway and injured to boot. The adjuster offered me a a pathetic amount but now, more a month later, I still haven't received anything from Gainsco. Is there an actual live Insurance Commissioner in Texas? Gainsco reviews are all nightmare scenarios, except for the handful of fake ones made by their own employees in the 40-plus 'Not Currently Recommended Reviews' at the bottom. read more

We did not have a positive experience with Gainsco. We were hit by someone who had Gainsco Auto Insurance. It took a week before we heard from Gainsco after the other party had reported the accident. Gainsco did not return out calls even after they had opened up a claim and contacted us. After more than a week of them not returning calls, they sent us a letter demanding we contact them. It was a mess. It took weeks to sort out. At one point, they denied my wife an extra day with a car rental because they claimed our car had already been fixed. It hadn't been. Gainsco was still negotiating with the shop to try to cut costs and repairs hadn't even started when they denied us a rental for a day. When we called Gainsco we were always just pushed to the voice mail of the woman handling our claim, even when we asked to speak to someone else or to a manager. It was very frustrating. In the end, they also responded very slowly or not at all to our mechanic, which dragged the process out over weeks. All this for fairly modest repair. We were very frustrated dealing with Gainsco. If you are looking for an agency, please think of what will happen to a claimant if you get into an accident. read more

This is just a shady insurance company. My boyfriend and I decided to try them out, they took our money via auto pay then canceled our coverage afterwards... Stick to big name insurance companies like progressive and Geico. read more

Seeking Payment of Claim, Your insured ran into my Ford Ranger gruen Atta Thu, Jul 18, 10:30 PM to chrismiller attach is response. July 2, 2019 BBB Servicing North Central Texas Dispute Resolution Department BBB CASE#: 91491376 *** This complaint has been closed. If you have more information to provide to BBB regarding this complaint or need to upload a document, please click here. *** Attached documents, if there are any, can be found in the "Complaint Status" area under the various links. Or they can be found below in the section called "All attachments for this complaint." Complaint filed by: Gruen (More) Complaint filed against: Business Info NAME: GAINSCO, INC. ACCREDITED BUSINESS: NO CONTACT: y Gamble ADDRESS: P.O. Box 199023 Dallas, TX 75219 PHONE: 866 424-6726 FAX: 972 629-4302 Website: www.gainsco.com (Less) Complaint status: Activity Date Activity Description 07/15/2019 Case ANSWERED-DISSAT 07/15/2019 Inform Business - Case ANSWERED-DISSAT 07/15/2019 Inform Consumer Case Closed Answered 07/15/2019 BBB Judged Case ANSWERED-DISSAT 07/14/2019 More info received from the consumer ***Document Attached*** 7/13/2019 Drove over to Gonzaliz Apt Turn,s out that she has the exzact same car as the 1 I pictured. It even had the same damage. I wrote a letter to her asking if she would please contact Gainsco to resolve this Claim, signed it and left my cell #, I put it on her windshield, Than I began taking pictures of the right 2016 Ford Focus On this car there is a dent by the fender well and scratches on the bumper cover. While taking pictures 3 young ladys came from her Apt, and I asked her who,s car is this ?. She said it was her,s and Mabel was her sister I informed her about accident. and she said she thought it was taken care of. I pointed at my ford ranger, which I parked behind her car. said see that door that Mabel ran into? I told her to please call Gainsco to file a report, and she said she would. I went back to my truck and the 3 lady,s got into there Focus, started motor, turned on the lights, and I proceed to leave the Apt complex. Proving that they live there, that the car that hit me was there with the damage to the right fender and bumper gaurd. 7/13/2019 Re: Our Insured: MABEL GONZALEZ Policy Number: 03MGEP1154526-00 Claim Number: TX-577187 Date of Loss: May 20, 2019 Business ID #: 90170358 Complaint Case #: 91491376 Consumer: Glen To Whom It May Concern: This loss occurred as a result of an accident which occurred on May 20, 2019 and was reported as an intersection accident which Glen 2006 Ford Ranger was damaged. The Insurance Carrier Progressive reported the loss, but did not provide any information for their insured upon reporting the claim which delayed contacting the claimant. We requested the police report and are not able to confirm an actual report was taken as both parties exchanged information. GAINSCO secured a recorded statement May 28, 2019 from Glen Gruen. However, we have been unable to obtain independent verification of the loss facts via an independent witness or police report. Additionally GAINSCO has made numerous attempts to confirm the loss details by continuous efforts to contact our insured via telephone May 21, May 22, June 6, June 13 and June 17. GAINSCO has also emailed our insured on June 7, mailed letters on May 21 and June 13, and sent a certified letter on June 13, 2019. GAINSCO has confirmation the certified letter was received. A representative of Gainsco attempted face to face contact on June 21, 2019, which was not successful. Unfortunately until we are able to verify the details regarding this loss we are unable to proceed with coverage or arrive at a liability decision. GAINSCO has closed the claim due to lack of cooperation from our insured. We will reopen the claim should our insured cooperate with the investigation or should Mr. Gruen provide additional information to support his version of the loss facts. Sincerely, Miles Lerman Claims Director GAINSCO Auto Insurance 800-699-1561 ext. 4432 read more