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UIC sells both private and commercial auto insurance products. Policies are sold through independent agencies rather than directly through the site or through dedicated agencies.
The company’s website is fairly sparse and seems to cater more toward the agencies than the end consumers, based on its design and the information on the site.
Universal Insurance Company sells both commercial and personal auto insurance. Policies are available only to North Carolina residents at this time.
The specific types of policies Universal Insurance offers are not detailed on their website; neither are any discounts it offers or what it uses to differentiate itself from the competition. This information is presumably intended to be delivered by the insurance agent to potential customers.
The lack of information on their website doesn’t tell us much about the positive aspects of their business, conversely the lack of detail and care does, at least for us, evoke negative assumptions about their business as a whole. In addition to coverage, insurance utility can be measured also in the ease of communication. Insurance in its nature is shrouded by a cloud of anxiety and uncertainty when the time comes to use it, at these times communication and access is to information is paramount. This lack of access to information and web presents provided by Universal Insurance Company raises some red flags out of the gate.
Unsurprisingly there is no online quote request form on the website, and there’s no easily accessible agency listing there either. Universal Insurance Company obviously intends for its customers to gain information about the company through licensed agents. This may align with their marketing strategy.
The company’s phone number, 800-258-0143 leads to a company directory and will eventually route you to an agent’s office.
Universal Insurance has 24/7 claims services available at 800-288-9224. There is a brief overview on the website of steps you should take if involved in an accident or loss. There are no online claims reporting form, although there is a claims email for inquiries.
When calling, you’ll need to provide basic information about what happened as well as policy and contact information for yourself and anyone else involved in the accident.
Universal Insurance Company’s listed on the Better Business Bureau website with an A+ rating. There are 6 complaints in total, 2 that were closed in the last 12 months. Four of the six complaints are due to billing/collections.
Due to the company’s small size and reach, it’s hard to find reviews of it online. There are no listings on the major consumer review sites.
It also shares a name with several other companies, so if you decide to do some independent research, be sure you’re looking at reviews for the right company.
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UIC is small and has very little web presence, making it difficult to evaluate. It doesn’t seem particularly accessible from a consumer point of view, and the lack of policy information makes it hard to see what this company may offer that would make it stand out from the competition. When formulating our researched opinion of an insurance company, a lack of information bodes negatively and rightfully so as the successors in the industry have built their business on a foundation that perpetuates open communication.
For a list of companies that we recommend, visit our Best Insurance Companies page.