Provides coverage for drivers that other insurers don’t
GAINSCO specializes in non-standard auto insurance policy. This means the company covers drivers many insurance companies turn down, including those with DUI charges and accident histories.
Some states require drivers to have a special form, called the SR-22 form, to prove they have minimum liability coverage. This includes the following drivers:
- Convicted of driving without insurance
- Receive multiple traffic violations in a limited amount of time
- cause a car accident
- Convicted of driving without a license
- convicted of driving without a license
Many insurance companies do not provide these forms, but GAINSCO provides them immediately at the point of sale for a nominal fee. This makes it easier to get back on the road after a traffic accident. Also, the price of GAINSCO’s non-standard coverage is competitive.
has a large agent network
For drivers who need face-to-face assistance, GAINSCO makes it available through a network of independent agents. This is a huge benefit for drivers who may be struggling to find insurance coverage and may be unsure about the process to get the protection they need.
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What can be improved
This insurer has a low rating from the Better Business Bureau (BBB). The insurance company received an A- rating from his BBB, but he only got 1 out of 5 stars in customer reviews on the BBB site. The number of complaints to the NAIC is also higher than average.