MIC General Insurance Corporation Miami(MI): Contact, Email address, Benefits, Jobs

MIC General Insurance Corporation is an insurance company that specializes in non-standard personal automobile insurance, motorcycle insurance, and commercial auto insurance in the United States.

In this article, we will provide you with all the information you need to know.

What is MIC General Insurance Corporation?

MIC General Insurance Corporation is a subsidiary of GAINSCO, Inc., which is a property and casualty insurance holding company that focuses on the non-standard personal auto insurance market.

The company was established in 1978 and is headquartered in Dallas, Texas. It operates as a mutual insurance company, which means that it is owned and governed by its policyholders, who are also its members.

They are licensed and authorized to operate in 44 states and the District of Columbia.

What Products and Services Does MIC General Insurance Corporation Offer?

MIC General Insurance Corporation offers three types of insurance products to its customers, namely:

• Non-standard personal auto insurance: This type of insurance is designed for drivers who have difficulty obtaining standard auto insurance due to their driving record, credit history, vehicle type, or other factors.
• MIC General Insurance Corporation offers minimum-limits personal auto insurance that meets the state’s financial responsibility requirements.
• You can also choose from optional coverages, such as collision, comprehensive, uninsured/underinsured motorist, medical payments, and towing and labor.
• Motorcycle insurance: This type of insurance is designed for motorcycle owners who want to protect their bikes and themselves from accidents, theft, vandalism, or other risks.
• MIC General Insurance Corporation offers motorcycle insurance that covers bodily injury, property damage, medical payments, and physical damage.
• You can also choose from optional coverages, such as accessory, custom parts and equipment, roadside assistance, and rental reimbursement.
• Commercial auto insurance: This type of insurance is designed for business owners who use vehicles for commercial purposes, such as delivery, transportation, or service.
• MIC General Insurance Corporation offers commercial auto insurance that covers liability, physical damage, medical payments, and uninsured/underinsured motorist.
• You can also choose from optional coverages, such as hired and non-owned auto, trailer interchange, and cargo.

What are the Benefits of Choosing MIC General Insurance Corporation?

• Competitive and stable rates: They offers affordable and fair rates that reflect your risk profile, claims history, and membership status.
• You can also enjoy discounts and savings when you bundle multiple policies or enroll in automatic payments.
• Flexible and customized options: They allow you to tailor your coverage to suit your needs and preferences.
• You can adjust your coverage amount, term, premium, and benefits as your life changes. You can also access optional riders and endorsements that can enhance your protection.
• Member dividends: The company distributes dividends to its members based on its financial performance and surplus.
• Dividends are not guaranteed, but they can help reduce your premium, increase your cash value, or provide additional income.
• Ownership and governance rights: The company gives you the right to participate in its management and decision-making.
• You can vote for the board of directors, attend annual meetings, and share your feedback and suggestions.
• Service and support: They provide excellent service and support to its customers.
• You can access online tools and resources, such as policy information, claims status, and payment options.
• You can also contact the customer service representatives, agents, and advisors who are ready to assist you with your questions and concerns.

MIC General Insurance Corporation Contact Information

• Phone: (800) 552-7385 (Customer Service) or (866) 424-9511 (Claims)
• Email: customerservice@gainsco.com (Customer Service) or claims@gainsco.com (Claims)
• Address: 3333 Lee Parkway, Suite 1200, Dallas, TX 75219 (Headquarters)
• Website: [www.gainsco.com]

MIC General Insurance Corporation Ratings

The company is rated A- (Excellent) by A.M. Best, a leading rating agency for the insurance industry.

This rating reflects their strong financial position, solid capitalization, favorable operating performance, and effective risk management.

They have maintained this rating since 2017, demonstrating its stability and reliability as an insurance provider.

MIC General Insurance Corporation Review

They have received mixed reviews from its customers, who have different opinions and experiences with its products, services, and claims.

Here are some of the pros and cons based on the online reviews:

Pros:

• Affordable and competitive rates
• Flexible and customized options
• Easy and fast online quote and application
• Friendly and helpful customer service and agents
• Prompt and fair claims handling and payment

Cons:

• Limited coverage and benefits
• High deductibles and fees
• Poor communication and follow-up
• Delayed and denied claims
• Low customer satisfaction and retention

MIC General Insurance Corporation Jobs

The company is always looking for talented and motivated individuals to join its team.

They offer a variety of career opportunities in different departments, such as underwriting, claims, sales, marketing, accounting, and administration.

They also provides a competitive compensation and benefits package, a dynamic and collaborative work environment, and opportunities for professional growth and development.

The group has various positions available in its headquarters in Dallas, Texas and its regional offices in Miami, Florida and Phoenix, Arizona.

To view the current job openings and apply online, visit MIC General Insurance Corporation’s website.

MIC General Insurance Corporation Claims

• Report your claim as soon as possible. You can call the toll-free number (866) 424-9511, email the claims department at claims@gainsco.com, or visit the website and submit an online claim form.
• Provide the required information and documentation to support your claim, such as your policy number, accident details, police report, photos, and witness statements.
• Wait for the claim investigation and evaluation. They will verify your coverage, liability, and damages and determine the amount and method of payment.
• They will also communicate with you and keep you updated on the status and outcome of your claim.
• Receive your payment. The company will pay your claim according to the terms and conditions of your policy.
• You can choose to receive your payment by check, direct deposit, or electronic funds transfer.

MIC General Insurance Corporation Quotes

• Visit the website and select the product you are interested in.
• Enter your zip code and click on “Get a Quote”.
• Fill out the online form with your personal and vehicle information, such as your name, address, phone number, email, driver’s license, vehicle make, model, year, and mileage.
• Answer some questions about your driving history, insurance needs, and coverage preferences, such as your violations, accidents, current insurer, desired coverage amount, and deductible.
• Review the quote and compare the options and features of different plans and policies.
• Choose the plan or policy that best suits your needs and budget and proceed to the application process.