First of all, they increased my premium at least 3...

First of all, they increased my premium at least 3 times since I started the policy, with no form of contact or communication as to why. Of course I tried calling but it was too much of a hassle waiting over 30 minutes on hold each time I called. After the last increase, which ultimately was over 40 dollars more than when I started the policy, I went in to their agency office, A-Max and signed a cancellation request, at which point they owed me a prorated refund for the remaining days of the policy that had been paid. The representative said it would take about 2 weeks, and even though I was set up on auto draft, they would mail me a check instead of refunding it back the way they received it. So I waited. And waited. And waited. Still no refund and they've charged me 2 additional times. And I can't speak to them directly, I have to speak to A-Max and then they have to call me back. Both experiences with A-Max and Gainsco have been HORRIBLE. I've contacted the Texas Department of Insurance. Shop around. I found better rates with a more reputable company.