Just like our founding company AAA, Universal Insurance Company is here to protect the things that matter most to you. Instead of viewing policyholders as numbers, at UIC, we look at each of our customers individually. The agents that we partner with want to know you, understand your needs better than anyone, and serve as your knowledgeable insurance provider.
What distinguishes any policy from another is the company that stands behind it. Universal Insurance Company has earned a reputation for being both reliable and convenient. That is why we have created the TLC program for our customers.
What's included in the TLC Program?
- Fuel Delivery
- Vehicle Lockout
- Tire Services
- Battery Assistance
Contact your local agent to learn more about TLC.
Concierge-Level Claims Service
- Ability to report a claim 24 hours a day, 7 days a week, 365 days a year.
- Response from a claims adjustor on the same business day your claim is reported
- Payment of all comprehensive and collision claims within 3 days.
- Proactive updates regarding your claim to keep you in the loop
- Guaranteed repairs for the life of the vehicle you own when you use one of our Preferred Body Shops.
- Our AAA Auto Buying service can find another vehicle for you in the case of a total loss.
Local Representation and Service
Choosing UIC means you choose a company that is in your neck of the woods. We are headquartered in Charlotte, NC. Claims adjusters, service agents, and executive management are located right here in North Carolina and can quickly meet your needs at any point of the insurance process.
Car insurance is complicated. We created this brief guide to make it easier for you to understand the coverage, deductibles, and limits and how they can work for you. For detailed information, contact your local authorized UIC agent.
Liability Coverage pays damages due to bodily injury and property damages to others for which you are responsible. If you're sued, it also pays your defense and court costs. Medical expenses, pain and suffering, and lost wages are some examples of what Liability Bodily Injury may cover. Liability Property Damage covers damage to property and loss of its use.
Every state sets a minimum coverage level. Selecting more than the minimum coverage would increase your cost now but potentially give you more protection in case of an accident. Since it's impossible to know the most you'd have to pay if you were to cause an accident that resulted in bodily injury or property damage, be sure to take some time and consider whether you'd be able to afford any damages that exceed your insurance coverage. The higher your limits, the more likely it is that we'll be able to pay all of the damages for you. Limits higher than the state minimum might be the best choice for you.
Medical Payments Coverage
Medical Payments coverage applies no matter who is at fault and covers the cost of reasonable and necessary medical care provided to you as a result of a car accident.
The coverage is not required by most states, but it provides great coverage at an affordable price. The cost will correspond to the limits you select. There are no deductibles or copays, so this coverage can pay from the first dollar of incurred, covered expenses.
Collision Coverage will pay for damage to a covered vehicle caused by the following, subject to a deductible:
- Collision with another vehicle
- Collision with an object
- A vehicle rollover
Higher deductibles lower your premium but increase the amount you'll have to pay out of your own pocket at the time of a loss. Ask yourself how much you're willing to pay when a loss occurs to save money on premiums.
This coverage helps pay for loss of or damage to an insured vehicle, not caused by a collision or vehicle rollover. Typically, that's coverage for the following, and is subject to a deductible.
- Hitting an animal
Higher deductibles lower your premium but increase the amount you'll have to pay out of your own pocket in case of a loss. Ask yourself how much you're willing to pay when a loss occurs to save money on premiums.
Uninsured/Underinsured Motorist Coverage
Uninsured/Underinsured Motorist coverage pays for damages that you are legally entitled to recover for your bodily injury. Medical expenses, pain and suffering, and lost wages are some examples of bodily injury damages.
In general, this coverage provides what you would have received from the other person’s insurance company if that person had insurance. This coverage may also protect you if the person who caused the damage does not have enough insurance.
Extended Transportation Expense
Commonly referred to as Rental Reimbursement. If your car is in the shop after a covered loss. Rental Reimbursement pays the cost of renting a replacement vehicle so you don't have to interrupt your daily routine. Daily allowances or limits vary.