GAINSCO Review

CUSTOMER SERVICE REPRESENTATIVE, "JOHNNY GARCIA"; WAS VERY FRIENDLY, QUICK, SIMPLE AND EASY TO UNDERSTAND. AFFORDABLE!
IT TOOK NO TIME AT ALL TO SIGN MY CAR INSURANCE POLICY VIA EMAIL!

Great customer service! They really work with you on affordable down payment and monthly payments. Great Choice! I will tell friends and family about GAINSCO Auto Insurance

My experience with Johnny Garcia at Gainsco Auto was wonderful! He gave me all the information I needed so by the end of the call I didn t even have any questions. He was very helpful and polite. Very pleased with his service!!

Johnny Garcia is my auto agent and helped me get my insurance on my vehicles. He had great knowledge of the policies and helped me make excellent choices dor my policy. It was the best price I found!!

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.

During my search for online auto insurance I Found GAINCO it was a wonderful experience from the start everything was simple and quick my agent Johnny Garcia was a great help and got we all ready to go and answered all questions that I had. Thank you Gainsco for the great experience

I paid for a policy for the first month, on a car that I never had possession of. When I was told that there was an issue with the car, I called Gainsco insurance company immediately. They told me in order to cancel the policy, I needed to send a letter via email to them from the dealership stating that I ve never had possession of the car. After I did that, I was then told that I needed to have the letter sent over again, this time in PDF form. Unfortunately the dealership was unable to send an acceptable email so that I could send to Gainsco, I sent the 2nd emailed letter to them anyway. They wouldn t except any of the forms that were sent to them. I was told that if I canceled the policy without the letter, I would be Charged against what I paid for the time that I was covered, plus my states 10% penalty. The Representative told me that he did not know how much the remaining balance to me would be at the time. He would not know that amount, until after the policy was canceled. I went ahead with the cancellation, and then was sent a letter for cancellation, no check for the remaining balance in sight. I called Gainsco auto insurance back, to let them know that I received a cancellation letter but nothing stating what I would be refunded. I was then told that I was charged what I paid, +10% for my state s cancellation penalty, but the 10% was charged against the six-month policy, not the month of coverage. I was also told that I would have received an insurance jacket , explaining the cancellation terms, something that I ve never received. They had me on hold for almost an hour, probably hoping that I would hang up. I asked for a recording of that conversation, stating that I was told I would be charged 10% against the 6 month policy. I was then told that regardless of the conversation that was recorded, even if it was not mentioned, that I was sent the insurance jacket, that would have explained it... And there was nothing that can be done to reverse it. They are THE WORST!!!

Johnny Garcia and Gainsco Auto Insurance were extremely helpful, fast, friendly and affordable!

If you have to file any type of claim good luck ever getting ahold of anyone after it s filed. filing the claim and getting our vehicle in the shop was the easy part. the shop found more damage and contacted our appraisal guy who took over a week to respond. our rental was never extended despite multiple phone calls and emails and our 30 days not being up. It has been the most stressful, costly, and worst experience ever. I do not recommend.

Johnny was amazing. He took his time and gave me the best deal!!! Thank you so much

I am a first time care owner and have recently bought an affordable insurance plan from Gainsco. I was expecting some robotic transaction from a scripted agent, but instead I was warmly recieved and guided by a pleasant and professional representative by the name of Johhny Garcia. When I plan on upgrading my car and insurance plan, it'll be by both Gainsco and Johnny Garcia. I would recommend the company.

Ronaldo did an excellent job, courteous, efficient and found me the best price which is what I really needed at this time during this pandemic. Thank you.

If I could give them negative stars I would! One of their policy holders rear ended me at 60 mph while I was stopped at a red light on Cinco de Mayo. It's been almost 3 weeks, investigator for their company deemed my car a total loss. I still don't know who my adjuster is, I've been without a car and they won't even tell me if I can get a rental. Nobody ever calls me back! TRASH!

Johnny Garcia was really helpful and explained everything wonderfully. He was professional and friendly.

Johnny J. Garcia was very helpful and informative on getting our truck insured. It only took a few minutes and now I'm ready to roll. Thanks again Johnny. Will most definitely recommend to all our friends. David

Pleasant and Proficient as well as very affordable....

Johnny Garcia enrolled me. He was super friendly and answered all of my questions. And the company's policy rates are the best I've found.

Johnny was beyond helpful in every way. I couldn't be more happier.

Johnny Garcia was absolutely awesome.
He was willing to work with me on pricing. More so than my previous auto insurance. Recommend to anyone looking to replace their insurance.

They lie saying they can help when they will not. I have outta work since COVID-19 and cancel my policy on both my vehicles and now want to take you around the world and back. An avenging up on me

Vanessa west at Gainsco is the best she guided me in the direction i needed i wish i could give her a hug

Called into start new policy. Brad Hagen was great he went above and beyond to find discounts and to find a policy that met my needs. I was able to save money by switching to Gainsco.

Very easy very helpful it quickly handled my situation. Johnny Garcia was my agent on the phone with me that helps me quickly get the policy that I needed and was able to drive 10 minutes after hanging up without any issues. Answered all my questions and was very knowledgeable.

An my representative Johnny Garcia at GainSCO Insurance was absolutely helpful and he had a really good attitude.He done his job very amazing, Thank You Johnny Garcia

I liked the service I got they seem to have went out of there way to make me happy.

Vanessa is great!!! She personalized the entire process which made me feel very much valued as a new customer. She is professional as well as patient. Thank you for the services you provided today Vanessa!!

Great service rep. I recommend this company with 5 stars

My agent Kendall Price with Gainsco is so awesome. Very helpful and knowledgable about what I needed with my policy. I definitely recommend Gainsco!

If you get Ms. Luz on the line, You will experience the best customer service hands down!!! Luz apologized for reps that did not satisfy my concerns and she addressed them. Luz also received additional support from her Manager to make sure I was happy. I am so thankful for Luz knowing her job and knowing it well!! Toward the end of our conversation, she asked if it was okay to see how to save me some money on my policy. I immediately said yes, especially now that my savings is gone from the pandemic. When she came back on the line and told me my new rate.....I simply cried!!! I can not thank her enough and thank you Gainsco for allowing Luz to be a value added agent to your company!

It is soooo hard to get a customer service agent on the line even prior to the pandemic. The price is great but the responsiveness is terrible

My car was involved in a hit and run from someone insured through them they gave us the run around and wanted us to pay out our pocket for repair and their employees were very rude and disrespectful if I could give them 0 stars I would

Ivan was very generous and helpful. Helped me save a lot of money and was respectful.

This company is horrible!!! Every month I have been charged a different amount then what I was originally told, and when I call customer service EVERY MONTH they tell me a different price as well and try to give me an "estimate" of what my next bill will be which is also wrong. Their customer service is horrible and can never solve my issues. I would not recommend them to anyone. Also their auto pay deal is all screwed up, it did not come out twice like it was supposed to so I was charged a late fee and eventually had to get my insurance renewed

Josue Trejo was great!! Very professional and helpful. I had a major problem with my old insurance company and I tried for days to pay my premium and couldn't get ahold of anybody in the office or technical support or make a payment online so I had no choice but to seek new insurance so there wasn't a lapse in my coverage and Josue Trejo was absolutely wonderful he helped me get new coverage at a lower rate and was very professional and polite and I thank him very much for his service. Sincerely Deborah Autry

The last agent spoke with was a great help and got the job done the other two agents gave me misleading information and pricing..by Vanessa West was great

I spoke with Johnny Garcia. Not only was he very kind he was also helpful in helping me to figure out which option would be best for me and my budget. I would recommend him to my family and friends.

Even if you pay the fees no matter what it is they will not do via check money transfer through your checking account to pay them if you mess up.

Brad Hagen is very professional and awesome got me set up real quick and easy!

The best experience getting car insurance ever !!! I talked to kisha Simmons and she was so nice, helpful, explained everything and made my experience simple and sweet. I will always continue to use Gainsco !!

Great insurance company. Might take a minute to get through (mainly because I don't know the correct number) but they are always happy to help. Able to get you information to you within minutes either through text, call, fax or email. Great company! And that's saying something because I usually end up fussing at the insurance companies. Lol Check them out.

Effren Robinson in sales is a liar! Dishonest and very misleading!
I'm Not happy!

Excellent customer service. Very polite and helpful in getting my vehicles insured and everything taken care of . Brad is a very helpful and nice person and I will recommend them to all my friends and family.

Some of the cheapest insurance I ve found!!!! Johnny Garcia, So far is the nicest individual to help!!! Will definitely recommend him and the company to everyone that asks!!!

Johnny G was so helpful & sweet. Loved his customer service!

Vanessa is so nice she helped me in an instant , she was fast and the process was easy. I reccomend gainsco highly!

Phone number never works, and its nearly impossible to get in touch with an agent.

Highly recommend Gainsco to anyone because their very concerned and very helpful with your needs.

Thank you Johnny Garcia for all your help you made it all easy..

I call constantly never answers. My policy expired in 09/2020 and I am currently being charged a new price with out any notice of it being renewed or any permission to take money out of my account I m not even sure what this money is being taking out for If only they answer so I can get answers no call to see if I even wanted to renew no email no documents sent with current policy how am I supposed to prove I have insurance?

Johnny Garcia was the most helpful insurance agent I have had. I got a great rate

They are very helpful and straight forward with you

Johnny Garcia from Gainsco auto insurance was so helpful, kind & understand. He made getting my insurance so simple and stress free! I thought it would be a long process but with Mr. Garcia's help I was insured in a matter of minutes.. Thank you

I really appreciate Johnny Garcia with Gainsco Insurance Co reaching out to me so soon after i applied online. I almost signed with another company which would have been costly. Johnny saved me money and made the process easy and quick. Maybe Johnny Garcia should be considered when looking for the next driver for the Gainsco Racing team. Thanks again Johnny

I spoke with Johnny Garcia at Gainsco Auto Insurance he was very polite and helpful and gave me a pretty good deal

Gainsco seems to go's above duty to nickel & dime you out of your money, I mail payment five day to due date next month statement late fee, ok i went to agent made that payment & placed c-card on file three days later recived recorded msg about none payment went back to agent ,,gainsco had my payment pending ,Hmm Mr pettaway peepn your game. What away to a cure late fees.

I was very impressed with Brad Hagen he was very helpful and knowledgeable about the information and what I needed to do, what I was going to receive. Very friendly

Johnny Garcia was great. Very friendly and helpful. All in all a great experience

Horrible. At first I thought it was great because of how low it was but i had to cancel early because the car i was sold was bad. So i felt it didn't make sense to have the insurance. I have been given the complete run around as far as canceling and getting my money back goes. When I called on separate occasions I was greeted by rude people telling me lies. At one point I was told I wouldn't be charged an early cancellation fee, then from another call I was told I was but it was only going to be 10% which annoyed me but wasn't a problem,then when I called again because the numbers weren't adding up I got transferred 6 times in one call and every person I spoke to lied and when I would tell them what the other agent said I would get transferred. When I first tally got a diagnostic more then 50% of my payment was taking out and when asked why nobody could answer me. Then I was told it was take only a week to receive my funds. It is now been over 3 weeks and everytime I call it's almost impossible to reach somebody. I called today to figure out where my money is and a lady name Michele answered after waiting 40 mins said they just mailed it today. When I was told 3 weeks ago it was already mailed. I'm over this company and I'm reporting to the BBB for fraud because this is just ridiculous!

Johnny Garcia with Gainsco Auto Insurance was great and worked with me to find the best plan and at a great price!

Madelane Watson,

I want to thank you Miss Madelane for being so attentive to my needs. I was having a very bad day, your kindness reminded me of how important it is to remain calm and considerate. Thank you for being so understanding and efficient! Merry Christmas and God bless you!

Respectfully,

Virginia Salinas

Provided excellent cost effective service with a significant measure of wonderful customer service. Highly recommend.

This car insurance company will rob you. My payments started as 130 dollars a month, which is why I chose this company because they re the cheapest one I could find. I am a young about to be college student with a low paying job and it is crazy that over a course of a month they kept telling me that I was late on my payments (WHICH I WAS NOT) and would double charge me. Now my payments are 300 dollars. When I tried calling their customer service I was on hold for an hour. It is absolutely ridiculous. Do not choose this company. They re a fraud and will steal your money.

I absolutely am in shock!! I can not believe the quote i recieved from Gainsco... I really appreciate the kind and willing to help save money employees they have. I highly recommend them

My agent Johnny garcia was fantastic I ve been looking over a month for insurance and he got it for me at less $300 less than what I expected thank you so much

I highly recommend Gainsco! I had the privilege of having CJ help me become a member. He was sincere, and patient. Without him i wouldnt have gotten this excellent price for my new car. I most definitely appreciate it Gainsco!

Johnny was a really nice and very professional when helping me get my quote. And he made the whole process very simple and that's the part I liked the most. I needed insurance quick, and he got me insurance quick!

Better hope you never get hit by someone insured by this company. Everything is a hassle and they don't want to pay for anything. You will have to get an attorney involved to deal with this company.

hello my name is Gregory Davis and I just want to say thank you Johnny Garcia for everything you did to help me get my insurance put back on my vehicle at Gainsco car insurance thank you very much

got my quote online within 20 mins they called and another couple minutes of the phone all i had to do was sign quick and easy thank you David castillaja

This company is awesome!!!! David Castilleja did an amazing job assisting me with my insurance needs!!! David Castilleja I would highly recommend to everyone I know. Great customer service!!

Thank you Mr. Johnny Garcia for all your help. I know we are going to be very happy with this policy.

Been on hold for 1 hour and 37 min they never answer.

Very rude. They got my address wrong on my insurance card and I called back several times to get another with the correct address and still haven't recieved it. One guy asked me why did I need it and was it for the Dmv. This is one of the few problems that I had with them.

Great service. Fast and cooperative !! Thanks, Johnny

The sales representative Maria Munoz was awesome! She was very knowledgeable and informative while assisting me purchasing an auto policy. The entire transaction went quite smoothly and pretty quick due to her informing me ahead of time of exactly what I need for her to process the policy! It s a great feeling to interact with good people, which doesn t happen as often in today s society!

Sincerely, (A satisfied customer)
L. Edmonds

I CALLED DURING COVID19 EXPLAINED IM NOT WORKING - MY PAYMENT WAS SUPPOSED TO BE SPLIT IN HALF - AGENT TOLD ME TO CALL THE DAY THE AUTO DRAFT WAS SCHEDULED- I WAS CONCERNED IT WOULD AUTOMATICALLY TRY TO PULL FUNDS ON THAT DAY, SHE STATED SHE'D CANCEL AUTO PAY AND THAT I WOULD HAVE TO CALL BACK TO PAY AND SETUP NEW AUTO DRAFT. - COME APRIL 9TH, THE FULL AMOUNT WAS PULLED FROM MY ACCOUNT ANYWAY. I CALLED AT 9A - GOOGLE SHOWS OPEN - HOWEVER THE AUTO SYSTEM STATES OFFICES ARE NOW CLOSED! I HOPE THEY READ THIS REVIEW AND NOT GIVE SOME AUTOMATED SCRIPTED RESPONSE - MY REFERENCE NUMBER FOR MY CALL E0403IG1156 -- I KNOW TO GET A REFERENCE NUMBER BECAUSE EVERYONE IN THIS WORK LIES. YOU HAVE TO PROTECT YOURSELF AT ALL TIMES!

After comparing quotes I chose to become part of the gainsco family and their service made my shopping for insurance easy I was covered with proof of insurance before I ended the call , I would shop here again

Johnny Garcia was very helpful, and very informative. So far love it

I would definitely recommend this insurance for anybody, give a great big shout out to Johnny Garcia the one helped me thru it all !!!!! Definitely a 5 * plus

This company is as terrible as it gets. You have to go through hell and high water to cancel your policy, and wait forever for your refund. This company is stuck in the stone age with their procedures. There s no one to talk to after 5pm or on the weekends. By the way I m still waiting on my refund. Throw this whole company away.

I got hit by a Gainsco insured driver several months ago...the initial repair process and service were fine. I picked the repair shop, "cosmetic" damage necessitated a door panel skin to be replaced on front/back passenger's side and Gainsco paid the bill.

I was planning to sell the car prior to the accident and had been offered $22-23K by several dealers, now I'm being offered $19K or less. I made it clear to the Gainsco staff that I wanted Diminished Value. They told me they would process the DV claim after all the repairs were done. The rub?! The guy I was sent to that "handled DV claims" said he'd be in touch, 2-3 weeks later nothing. He finally calls me, after my persistent chasing, to tell me that it would take 6-8 weeks to process the claim because he's the only one in Gainsco that does it. Months went by, I left voice messages, texts, nothing!

Yesterday, I called his supervisor and surprisingly, the adjuster calls me today and says..."we're not obligated to pay DV claims, so we're denying your request." Why was I told throughout the process, it would be handled afterwards? Why did it take MONTHS to come to that determination.

They turned a good experience into a pain the butt experience!

The adjuster just called me today and said they won't pay what I'm entitled to under Texas Law.

The agent Ms. Keisha was knowledgeable about the information given to us (my husband and I). Answered all questions without hesitation and was very friendly.

Brad Hagen was awesome I would recommend him to everyone.. Great agent!!!