Letitia Porter

Review of GAINSCO

My son' truck was parked on his college campus. O...

My son' truck was parked on his college campus. One of Gainsco's customers did a hit and run. Thankfully, there was a witness who reported the hut and run to campus police. He filed a claim. Gainsco's rep came out and took pictures, states the amount should be a few hundred to fix. I email the rep the police report. Their customer claims she waited after hitting the truck and driving away (without leaving her contact information). The witness' account is that she hit the truck and drove away. My son was in communication with a Gainsco claims adjuster. The adjuster has now stopped taking/responding to his calls. Unethical insurance company for unethical people.

Update 08/21/2017...
After being informed by the Gainsco representative that the damage would only be a few hundred dollars, we went to the first body shop.... over $1500 to correct the damage. Called the number posted on this page and was transferred to Jon (Gainsco Claims Adjuster). Jon informed me that he is investigating and waiting to contact the insured to see if Gainsco will pay the claim--- the insured has not responded. He has gotten in contact with a relative of the insured and asked them to call Gainsco. If the insured does respond, Gainsco will not pay the claim. I proceeded to ask the following questions and received the included answers? 1) Was the policy in-force when the hit and run occurred? Answer: "Yes, the policy was in-force. 2) Was the vehicle on the policy when the hit and run occurred?" Answer: "Yes, the truck was on the policy as insured -- And I know that you are trying to get me to say what you want to hear, but that does not mean that Gainsco will pay the claim." I explained that I was not trying to get a him to say anything, I just wanted to confirm the facts. Question 3) Was the vehicle stolen when the hit and run occurred? Answer: "No, the vehicle was not stolen." 4) Did you receive the police report? Answer: "Yes, we received the police report."

Summary, the insurance policy was in-force, the vehicle was insured, the vehicle was either driven by the owner or a person that the owner/insured allowed to drive their vehicle. This company is looking for a way out of paying a valid claim. For anyone, who faces the same issues with this company, please file a complaint with the Department of Insurance in your state and get an attorney (my next step). We need to get "non-standard" (as declared by Jon with Gainsco) insurance companies out of business. They have unethical business practices and should not be allowed to do business as they have absolutely no intention of paying a claim and their customers have absolutely no plan to behave morally nor legally.