Gainsco Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Program focus - Non‑standard personal auto only; sold exclusively through independent partner agents. Target is price‑sensitive drivers who may not qualify for preferred/standard carriers, including those needing state minimum limits, prior lapse, or less‑than‑perfect driving/credit in states where scoring is used.([gainsco.com](https://www.gainsco.com/customers/insurance-terms/?utm_source=openai)) Preferred / target business (varies by state manuals) - Private passenger autos and light vehicles used for personal, non‑business purposes. - Drivers with valid, verifiable licenses and insurable driving histories consistent with state‑filed rules. - Risks that can be quoted and bound through GAINSCOconnect with automated reports (MVR, CLUE, vehicle data, and, where allowed, TransUnion insurance score) used for tiering and pricing.([gainsco.com](https://www.gainsco.com/wp-content/uploads/2021/12/IN-MGA-Personal-Auto-Program-Rules-Manual.pdf?utm_source=openai)) Restricted / declined classes (general themes from state manuals) - Vehicles and drivers that fall outside state‑filed eligibility in each Personal Auto Program Rules/Underwriting Manual (e.g., certain commercial or business‑use vehicles, specialty or heavily modified autos, and drivers with unacceptable license status or severe violation histories). - Physical damage on vehicles that cannot pass required inspection (significant unrepaired damage, unclear VIN/odometer, or incomplete inspection documentation). - Any risk where mandatory supporting documents (e.g., proof of prior coverage, inspections, signatures) are not obtained and retained per manual. All submissions remain subject to review and may be declined if they do not meet state‑specific guidelines.([gainsco.com](https://www.gainsco.com/wp-content/uploads/2021/12/IN-MGA-Personal-Auto-Program-Rules-Manual.pdf?utm_source=openai)) Geographic notes - GAINSCO writes in selected states only; eligibility, available coverages, discounts and underwriting rules are strictly state‑specific and controlled by each state Personal Auto Program Rules/Underwriting Manual (e.g., IN, GA, TN, TX manuals). Producers must always refer to the applicable state manual for current territorial and program eligibility.([gainsco.com](https://www.gainsco.com/wp-content/uploads/2021/12/IN-MGA-Personal-Auto-Program-Rules-Manual.pdf?utm_source=openai)) Submission & binding requirements (agents) - All new business must be quoted, uploaded, and bound via the GAINSCOconnect portal; coverage is bound at the exact date/time the application is completed, signed, and dated by both applicant and agent, provided all manual conditions are met.([gainsco.com](https://www.gainsco.com/wp-content/uploads/2022/11/TN-MGA-Personal-Auto-Program-Rules-Manual.pdf?utm_source=openai)) - Agent has immediate binding authority only when acting within the rules and procedures of the applicable state manual and as a duly authorized agent of the company. - Vehicle inspection forms are required for each vehicle with physical damage unless a new vehicle is documented with a dealer bill of sale/invoice/window sticker. Agent must: - Inspect the vehicle in person. - Walk around and note all existing damage on the inspection form. - Record odometer reading. - Take and retain photos in the agency file with the application.([portal.gainscoconnect.com](https://portal.gainscoconnect.com/ContentImages/12-02-13_manual_GA.pdf?utm_source=openai)) - For endorsements adding physical damage, the same inspection form and procedures are required at the time of adding coverage. - During quote/bind, GAINSCOconnect automatically orders underwriting reports (MVR, claim history, license status, vehicle data, and in some states a TransUnion insurance risk score) that are used for eligibility and rating. Opt‑out of scoring, where allowed, places the insured in an "Opt Out" tier.([portal.gainscoconnect.com](https://portal.gainscoconnect.com/ContentImages/12-02-13_manual_GA.pdf?utm_source=openai)) Broker / producer operational notes - This program is designed for independent agents; policies must be sold and serviced through the agent network and GAINSCOconnect, not direct to consumer.([gainsco.com](https://www.gainsco.com/customers/insurance-terms/?utm_source=openai)) - Agents must maintain complete documentation in‑house (applications, signatures, inspections, proof of prior, and e‑signature confirmations where used); e‑signature support materials reinforce that underwriting documentation retention remains the agent’s responsibility. - For any situation not clearly addressed in the state manual or if there is uncertainty about eligibility, agents are instructed to contact GAINSCO customer service/underwriting before binding coverage.([portal.gainscoconnect.com](https://portal.gainscoconnect.com/ContentImages/eSig_SupportGuide_Final.pdf?utm_source=openai)) Notes - GAINSCO emphasizes that each submission may be reviewed and underwritten on its individual merits; manuals provide minimum requirements and do not limit the company’s right to underwrite or decline. Always refer to the latest state‑specific Rules/Underwriting Manual on GAINSCOconnect for detailed class, driver, vehicle, and discount rules.