Gainsco Insurance Company

Carrier appetite summary

GAINSCO is currently positioned as a non-standard personal auto writer, specializing in minimum-limits personal auto coverage, with business written through MGA Insurance Company, Inc. and distributed through independent agents, State Farm agents, and digital channels. Official producer-facing guidance located for this refresh is the GAINSCOconnect agent contact / new-agent page, supported by current state personal auto program manuals and document-upload instructions. Preferred business is standard non-standard personal auto and liability-focused business for individually owned vehicles garaged in-state, especially minimum-limits personal auto and named insured risks that fit GAINSCO’s filed state rules. Non-owner liability is available for the named insured only when using a vehicle with permission that is not owned by the insured, a relative, or a household resident. SR-22 availability is state-specific in the manuals reviewed, with filings limited to that state only and fully earned filing charges. Vehicles must generally be titled/registered to the named insured and/or spouse in the household; otherwise the titleholder must be listed as a rated or excluded driver. All household and regular operators age 14+ must be disclosed, and changes must be endorsed promptly. GA requires driver changes within 14 days; SC requires them within 10 days. Failure to disclose operators is treated as material misrepresentation and may result in added drivers, repricing, cancellation, or voided coverage depending on state form language. Producer workflow notes are explicit: underwriting data is ordered during quote/bind through GAINSCOconnect; credit-based insurance scoring may be ordered with customer permission where allowed; discount proof must be uploaded at bind if applicable; and policy-specific documentation must be submitted the same day the policy is written. The document-upload guide lists proof of prior, proof of not-at-fault, application, endorsement, auto-pay form, cancel request, and other support documents. Existing-damage inspection responsibility is emphasized in manuals; if prior damage is paid and the producer failed to inspect, GAINSCO reserves the right to recover from the agent. Common restricted/declined exposures in the currently published personal auto manuals include: exotic/luxury/specialty makes; commercial types such as limos, military, funeral, incomplete units, and cargo vans; gross weight over 10,000 lbs; more than four vehicles on one policy; more than two excess vehicles over rated drivers; off-road vehicles, motorcycles, hearses, limousines, motor homes/RVs/campers/travel trailers, flatbeds, open-air vehicles other than standard convertibles, speed contest vehicles, substantially modified vehicles, and vehicles used as residences. Physical damage restrictions include no comp/collision on vehicles over 30 model years, no physical damage on high-value vehicles above the manual threshold, and state-specific electric-vehicle treatment in the manuals reviewed. Business-use prohibitions are broad: messenger, livery, delivery, wholesale/retail delivery, hauling for others, food delivery, transportation network company use such as Uber/Lyft, delivery network use such as UberEATS/Postmates, carrying tools or supplies as a job/service, and vehicles titled to entities, DBAs, or LLCs. Geographic notes in the reviewed manuals require vehicles to be garaged at the listed address and within the rating state, generally at least 10 months per year, with limited away-at-school exceptions; risks with mailing addresses outside the state are unacceptable in the sampled manuals. Driver restrictions in current manuals include more than 8 rated drivers per policy, nonresident/state-mismatch issues, named insured under age 18, operator under age 14, students residing/attending school out of state, celebrity/public-profile risks (except public officials), and adverse-driving thresholds such as more than two at-fault accidents, more than one alcohol/drug-related charge, more than one major violation, or more than two intermediate violations in the prior 36 months, plus aggregate accident/violation caps across the policy. Submission expectations also include proof requirements for discounts such as prior coverage, internal transfer, homeowner, and military where applicable. Broker/producer notes available from the official agent page: GAINSCO maintains independent agency contacts by state, offers State Farm agent support through SFSalesSupport@gainsco.com and 866.805.1344, and uses an online appointment form for agencies seeking appointment. No single public national appetite guide was verified; current published guidance is fragmented across the producer contact page and state-specific personal auto rules manuals, so placement should be evaluated by state before submission.

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