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Universal Insurance Company Insurance Review & Complaints: Auto & Motorcycle Insurance

Universal Insurance Company is a North Carolina auto insurer connected with AAA. They write auto and motorcycle policies in North Carolina only. UIC promises their concierge claims service to all policyholders.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 15, 2020

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Universal Insurance Company (UIC) is a North Carolina auto insurer that is connected with AAA. They write auto and motorcycle policies only in their home state.

About Universal Insurance Company

Not to be confused with the Florida homeowner’s insurance company of the same name, UIC has its headquarters in Charlotte, NC, and provides only auto insurance. The company is affiliated with AAA and its website reflects that being a branch of the main AAA site and offering customer assistance live chat from the automobile association right on the site itself.

The site refers to AAA as UIC’s “founding company”, but it gives no further explanation. In our previous review of this company, they included the holding company, TMIC Holdings, in their logo. That name has been removed from the logo, although we are unable to find any evidence to prove TMIC no longer owns UIC.

UIC writes auto and motorcycle insurance policies and covers drivers only in the state of North Carolina. They sell their products through local agents as well as over the phone; these agents appear to be in AAA offices, although there is a link for insurance agents to partner with the company as well, so some are independent. We could not find any indication that a AAA membership is required to take out a policy with UIC, but this is a strong possibility.

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UIC Products

UIC write personal auto and motorcycle insurance; previously they also offered commercial auto, but this product is no longer available.

Auto Insurance

UIC has a basic auto insurance policy that includes base liability and the option to increase limits an add comprehensive coverage, collision coverage, and rental reimbursement. Their TLC program on every auto policy includes comprehensive roadside assistance, from towing to fuel delivery. This does make sense given the affiliation with AAA.

UIC also offers what they call concierge-level service, which mostly relates to claims handling. We will take a close look at that in the claims section of this review.

Motorcycle Insurance

The motorcycle program offers all the basics as well as accessory coverage, which is automatically added to the policy at no charge when comprehensive and collision coverage are added. This provides 50% coverage for accessories added to the bike aftermarket.

While the concierge claims service is again included, we did not see any sign that UIC offers the same roadside assistance to motorcycles.


UIC does not offer an online quoting option, and the agent search redirects to the local AAA site, reinforcing our belief that these policies are offered to AAA members or that joining may be a requirement.

Since this is a North Carolina-only company, their rates would only be comparable in that state, and not with our standard rating sample.


As mentioned above, UIC promises their concierge claims service to all policyholders.

This includes access to a 24-hour claims line and same-business-day contact from an adjuster. The service also promises:

  • Payment on comprehensive or collision claims within 3 days
  • Ongoing updates on the claims process
  • Guaranteed repairs when a shop in the preferred network is used
  • Access to the AAA Auto Buying Service in the event of a total loss

A good portion of what is offered here is common to any good insurance company, although if the company keeps their promise of a same-day call and 3-day payment on claims, that is pretty impressive service.

We were unable to find an option to file a claim online; the file a claim link on the site again redirected us to the AAA website “find a club” search page.

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Ratings and Consumer Reviews

UIC has an A+ rating with the Better Business Bureau (BBB), and it is accredited there. There are only four complaints on file in the past three years, none of which were closed in the past 12 months.

There are two negative reviews on the Yellow Pages website, both citing a rude customer service experience.

We did not find much else on UIC, which is not surprising given the fact they are a regional company.

The Bottom Line

North Carolina drivers who are AAA members or willing to become a member (as noted we are not completely certain it’s required, but it seems likely) might want to take a closer look at UIC. Their programs and reputation seem solid, and the backing of AAA adds some weight; we’d like to see this company clarify the question of AAA membership on their website to help form a clear view of how they operate.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

1 Comment

  1. A Universal insured from NC rear ended me in CA on Sept 5, 2017. 100% at fault as I was stopped at a traffic light. Their adjuster has been terrible to work with. To start off, their insured didn’t call them to open a claim, tho we called 911 due to my injuries and car damage. They wouldn’t talk to me or even send a damage evaluator to look at my car until they talked to their insured. After 5 days, I had to file a small claims case, and serve the person who hit me, and our sheriffs department had to call him, to get him to talk to his adjuster and open the claim. It has been nothing but trouble ever since. The car was evaluated 45 days ago and it still isn’t fixed as they have drug their feet getting a check processed and sent out to the body shop. I had to get an attorney, as they don’t call back, there is a 3 hour time difference, and their adjuster is out of the office (with a voice mail saying so) than she is in the office. Two weeks ago, they said they sent a check and when it didn’t arrive after 10 days (and 3 broken apts with the body shop and the car rental) they wouldn’t issue another check for days. It has finally been issued (we think), approximately fourteen days after the first very late check, and we had to call about that as they told us a week ago Monday it was being sent that day. We found out it was sent yesterday, a week from the date they promised the mailing! Now I have had to cancel getting my car fixed again! Their communication is horrible, and all has to be initiated by you, they are not acting as a bi-lateral party in their dealings at all. You are put into the position of ‘begging’ them to answer your calls, questions, and complete their operations to complete their responsibilities in the claim. They are attached to AAA, but in speaking to AAA corporate, they say they don’t own them, but contract with them. Don’t think you will get even a bit of the service you come to expect from AAA! As for my injuries, I have seen an orthopedic surgeon, have a torn rotator cuff and have had weeks of continual physical therapy. Whether or not this ever gets resolved, I am afraid of the outcome. Between working with the attorney, making and then unraveling appointments to get the car fixed and a rental, and the drive and time in physical therapy, I have spent approximately ten hours a week or more since being rear ended involved in this. And, this has nothing to do with lost work, pain, and a disabled car. This is some of the worst service I have ever experienced in any industry. If you believe in the golden rule, you wouldn’t want to be on either end of a claim with this company!


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