Auto Insurance
United Automobile Insurance CompanyThis business is NOT BBB Accredited.
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Complaints
This profile includes complaints for United Automobile Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 101 total complaints in the last 3 years.
- 50 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:06/27/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I do not have a policy with them. Accident is their policy holders fault which they have taken liability for. I have a claim that happened going on 2 months, April 28th, 2025, and keep getting run around. The adjusters are a joke. Never get back to you, no status updates, and when they do all they say is I'm working on it. No follow *** either on things they say they still have pending. I have not had a car since accident. Won't get back to me regarding "loss of usage" matter. Such bad customer service I can't believe they are still in business.Business Response
Date: 07/03/2025
July 3, 2025
Re:
BBB Case#: 23530349
Claim #: 0800250341
Policy #: TXZ 603210
Insured: ***** ****
Loss Date: 04/28/2025
Complainant: ******* ******
To Whom It May Concern:
We are in receipt of the above complaint forwarded by your office. Thank you for bringing this matter to our attention.We certainly do apologize for any issues with communication you may have experienced.
Please note we were pending confirmation from the complainants insurance carrier that there were not any payments issued for the loss. We made numerous attempts to reach the insurance carrier and on 7/1/2025 we did receive confirmation there were no payments issued for the loss except for a rental payment. Therefore,loss of use will not be afforded on our end.
At this time, we have concluded our investigation and have sent the complainant total loss documents to be fully executed and returned to us. Currently we simply await the documents from the complainant.
We hope this satisfies your inquiry. Should you have any further questions or concerns, please do not hesitate to contact the undersigned.
Sincerely,
******* *****
Compliance Specialist
United Automobile Insurance Company
******************************Initial Complaint
Date:06/27/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I spoke with Alexa ****** ******************** who work for your company and was told by Ms ****** on est. May 29th, 2025 that she just received the claim on May 26th. I could I give her a couple of weeks to review the claim. I contacted Ms. ****** on Jun 27, ************************ update has been provided. I was informed by Ms ****** nothing as been done and need to speak with her client for their side of accident. I informed Ms. ****** that this should have already taken place and that the police report reflect all information. the driver did not have any driver license and had a warrant for arrest. We are requesting a call back with resolution to this claim. Our bank had a extremely hard time contacting your insurance company. we need a immediate call to resolve this claim @ ********** or **********Business Response
Date: 07/03/2025
July 03, 2025
Re:
BBB Case#: 23527500
Claim #: 0800247586
Policy #: TXY ********
Insured: ****** ********-********
Loss Date: 11/08/2024
Complainant: ****** *******
To Whom It May Concern:
We are in receipt of the above complaint forwarded by your office. Thank you for bringing this matter to our attention.We certainly do apologize for any issues with communication you may have experienced.
The complainants vehicle was declared a total loss. Please note our investigation was ongoing and since then our investigation has concluded. Currently, we have sent the complainant a settlement offer for the loss to be fully executed and returned. At this time, we simply await the return of the signed documents from the complainant. Our adjuster has also contacted the complainant to provide an update on the claim.
We hope this satisfies your inquiry. Should you have any further questions or concerns, please do not hesitate to contact the undersigned.
Sincerely,
******* *****
Compliance Specialist
United Automobile Insurance Company
******************************Initial Complaint
Date:06/18/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
UAIC is my Car Insurance Provider. On May 25th, 2025 at 6pm I filed a claim for damages after a tree landed on my car after a storm. I immediately filed a claim. It is now June 18th, 2025 and I have yet to receive a single phone call after leaving numerous messages in regard to the claim. The repair shop after getting it assigned has also not been able to get ahold of anyone from this office after sending over the supplement for repairs to be approved. Since the supplement has not been approved repairs have not even begun! My assigned adjuster is Davilet **** and I have been in contact with the Supervisor ******** ******* only after the second week of not having any phone calls and since then it has been nothing. A task for an inspection has been created on June 5th, 2025 for an inspection that has yet to be scheduled by **** *******, 13 days now without any scheduled inspection, 2 weeks without a phone call in regard to the Supplement sent over by the repair shop. I cant even upload a Letter of representation on their portal because it does not have that option for that document upload. I am getting extremely frustrated by the lack of communication from this company. I am paying for car insurance to not have a car! I want this resolved immediately I want phone calls returned in a timely manner and regular updates!Business Response
Date: 07/02/2025
July 2, 2025
Re:
BBB Case#: 23484842
Claim #: 0100413706
Policy #: UAO 578165
Insured: ****** ******
Loss Date: 05/25/2025
Complainant: ****** ******
To Whom It May Concern:
We are in receipt of the above complaint forwarded by your office. Thank you for bringing this matter to our attention.We certainly do apologize for any issues with communication you may have experienced.
Please note we can confirm the supplement has been completed on the Insureds vehicle and it has been deemed a total loss. Total loss documents have been sent to our Insured to be fully executed and returned. Currently we simply await the documents from our Insured for payment to be issued for the loss.
Regarding the letter of representation upload we can confirm it has been uploaded on 6/18/2025.
We hope this satisfies your inquiry. Should you have any further questions or concerns, please do not hesitate to contact the undersigned.
Sincerely,
******* *****
Compliance Specialist
United Automobile Insurance Company
******************************Initial Complaint
Date:06/01/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
United Automobile Insurance ****** ******* is refusing to work with me to put proper information on a settlement from an accident where their client was at fault and refusing to negotiate and refusing to update any details or talk person to person. And is requesting me to sign document that are incorrect and threaten withdrawal of settlement due to my consistency. She is threatening that if I dont sign by June 2nd offer rescinded please response asapBusiness Response
Date: 06/06/2025
June 6, 2025
Re:
BBB Case#: 23404557
Claim #: 0100401095
Policy #: UAH 39416302
Insured: ***** A ******
Loss Date: 02/02/2025
Complainant: ***** *****
To Whom It May Concern:
We are in receipt of the above complaint forwarded by your office. Thank you for bringing this matter to our attention.We certainly do apologize for any issues with communication you may have experienced.
Please note our insured opted to carry a Property Damage-Liability limit of $10,500 per occurrence. Due to the above, we have presented the complainant with an offer of our Property Damage-Liability limit of $10,500. We look forward to resolving this claim amicably. The Property Damage claim release and settlement letters have been sent to the complainant. Upon our receipt of these fully executed documents, the Property Damage settlement draft will be issued.
We hope this satisfies your inquiry. Should you have any further questions or concerns, please do not hesitate to contact the undersigned.
Sincerely,
******* *****
Compliance Specialist
United Automobile Insurance Company
******************************
Cc: ***** A ******Initial Complaint
Date:05/20/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am writing to formally express my deep frustration and disappointment with the handling of my claim following an accident that occurred six weeks ago. I was not at fault in this accidentthe other driver, who was insured by united automobile insurance company, was responsible.Since the incident, the experience Ive had has been nothing short of unacceptable. Not once has an adjuster contacted me directly. In fact, no representative from the company has reached out at all. I have had to initiate every call myself, and despite calling weekly, I have received inconsistent and conflicting information at every turn.Each time I speak with someone, Im told that the way my claim was being handled previously was incorrect, and a new course of action is takenonly for the cycle to repeat again the following week. This has caused unnecessary delays, confusion, and immense ********* this day, I am still without a vehicle and have no clear explanation as to what is happening with my claim. I was also told that if I wanted a rental car, I would need to pay out of pocket and be reimbursed only $25 per day. However, I could not find any rental company offering rates that low, making this option completely ************** is unacceptable that I have been without transportation for six weeks due to someone elses negligence and this companys lack of communication and support.I am requesting immediate attention to my claim, a full update on its status, and clear next steps. I would also like to know what the company plans to do to resolve this situation and make me whole, given the significant inconvenience and hardship this has caused.Business Response
Date: 06/03/2025
June 03, 2025
Re:
BBB Case#: 23357490
Claim #: 0800249823
Policy #: TXY 1004263
Insured: **** B. ********
Loss Date: 04/11/2025
Complainant: ***** ******
To Whom It May Concern:
We are in receipt of the above complaint forwarded by your office. Thank you for bringing this matter to our attention.We certainly do apologize for any issues with communication you may have experienced.
Please note that the complainants vehicle was deemed a total loss after the supplemental inspection on 5/13/2025. The file was then transferred to a total loss adjuster for review and approval. On 5/28/2025 payment on the above loss was issued.
Regarding Loss of Use we have authorized 10 days at $25.00 per day.
We hope this satisfies your inquiry. Should you have any further questions or concerns, please do not hesitate to contact the undersigned.
Sincerely,
******* *****
Compliance Specialist
United Automobile Insurance Company
******************************Customer Answer
Date: 06/03/2025
I am rejecting this response because: I have called and left multiple messages for multiple managers to call me back and have yet to have a manager call me back. I am still not happy with the outcome and still would like to discuss.Business Response
Date: 06/10/2025
June 10, 2025
Re:
BBB Case#: 23357490
Claim #: 0800249823
Policy #: TXY 1004263
Insured: **** B. ********
Loss Date: 04/11/2025
Complainant: ***** ******
To Whom It May Concern:
We are in receipt of the above complaint forwarded by your office. Thank you for bringing this matter to our attention.Please note our manager contacted the complainant on 6/3/2025. The complainant stated she was not in agreement with the ACV-Actual Cash Value of the vehicle, or the settlement offered, and informed us she would be sending us comparable vehicles for our review and reconsideration due to the vehicle having extra options.Currently we await the comparable vehicles.
We hope this satisfies your inquiry. Should you have any further questions or concerns, please do not hesitate to contact the undersigned.
Sincerely,
******* *****
Compliance Specialist
United Automobile Insurance Company
******************************
Cc: **** B. ********Initial Complaint
Date:05/06/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
My car was backed into. I file a claim and no one actually look at my car they want to go by some pictures but the picture cannot show under the bumper of car. They said that the damage was only $930.18 dollars but something fell from under the bumper. They did not take the bumper off to see what was going on under the bumper.Business Response
Date: 05/20/2025
May 20, 2025
Re:
BBB Case#: 23280456
Claim #: 0800248985
Policy #: TXY 996300
Insured: ******* *******
Loss Date: 03/04/2025
Complainant: ******* *******
To Whom It May Concern:
We are in receipt of the above complaint forwarded by your office. Thank you for bringing this matter to our attention.Virtual appraisals are an industry standard procedure and are in place for the consumer's convenience. Please note the estimate would have been the same if completed in person. Regarding the bumper, our appraiser does not remove the bumper or any parts of the vehicle. Any kind of removal of parts or a tear down is done at the repair shop and if additional damage is found the shop would simply call in a supplement and an appraisal will be scheduled.
We hope this satisfies your inquiry. Should you have any further questions or concerns, please do not hesitate to contact the undersigned.
Sincerely,
******* *****
Compliance Specialist
United Automobile Insurance Company
******************************Initial Complaint
Date:05/06/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
PSA DO NOT I REPEAT DO NOT EVER GET UNITED AUTO INSURANCE. Please contact the ****************** OF INSURANCE REGULATION ************* is a rip off #UNITEDAUTOINSURANCE #UAIG Horrible, horrible horrible! Do not do the picture estimate! Let them send you to one of their approved appraisal sites! I am so sad right now! This is really messing with my mental health! ****** companies like this with *** working for them like this need to be shut down! The adjuster ****** ***** is a nasty person. Despicable adjuster! Do not choose this company for insurance! They are the worst! Ive never dealt with anything like this before in my life! My car was set up for an appraisal at an approved site of theirs and now theyre telling me that theyre waiting for them to approve and send in order to get my car appraised. Shes telling me now that oh theyre not gonna do it for free and shes telling me that though its been canceled. Horrible! Low! Terrible! Ive been riding in ***** in my car sitting in my yard waiting to get appraised! She want me to take the picture damage and take a check that I declined. She said it will be a lengthy process. Lies! This company is the worst ever! I am contacting yelp Better Business Bureau, the governor ***, and everyone else I can! Florida Department of Insurance RegulationBusiness Response
Date: 05/12/2025
May 12, 2025
Re:
BBB Case#: 23291946
Claim #: 0100408937
Policy #: UAD 602949603
Insured: ********* F. ********
Loss Date: 04/13/2025
Complainant: ******* *****
To Whom It May Concern:
We are in receipt of the above complaint forwarded by your office. Thank you for bringing this matter to our attention.We certainly do apologize for any issues with communication you may have experienced.
Our initial estimate was written to repair all visible damage related to the loss at the time of inspection. It is our duty to indemnify. As is industry standard procedure, the vehicle owner selects the repair shop. The representatives at the shop conduct the repair off the insurance companys estimate. Please note virtual estimates are also an industry standard procedure and in adhering to our duty to indemnify, if/when additional related damage is found during the repair, the shop representatives simply call us (or access our online claims portal) for a supplemental estimate.
The complainant was advised by our adjuster that the vehicle needed to be at the repair shop for a supplemental appraisal to be conducted. We were informed by the repair shop that the complainant was not having the vehicle repaired at the shop therefore the appraisal for the supplement was cancelled. We are currently awaiting confirmation from the complainant or the repair shop if the vehicle will be at the repair shop for the supplement. Once we receive the confirmation we will gladly reestablish the supplemental appraisal assignment.
As for loss of use we are more than willing to reimburse up to $25.00 per day for the amount days it takes to repair the vehicle as per our written estimate.
We hope this satisfies your inquiry. Should you have any further questions or concerns, please do not hesitate to contact the undersigned.
Sincerely,
******* *****
Compliance Specialist
United Automobile Insurance Company
******************************
Cc: Makenley **********Initial Complaint
Date:05/02/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am writing to file a formal complaint against United Automobile Insurance Company for their mishandling of my insurance claim and their overall unprofessional ********** vehicle was involved in a covered loss, and since then, United Automobile Insurance has failed to take responsibility as outlined in my policy. Despite my repeated efforts to contact them, they have continuously ignored my calls, hung up on me during conversations, and given me the runaround regarding claim processing and vehicle ********* make matters worse, they are now stating that they will not cover the loss of my vehicle because I obtained a new insurance policy when I purchased a different vehicle. This excuse is unacceptable, as the loss occurred prior to the acquisition of my new vehicle and insurance coverage. Their refusal to honor the policy in place at the time of the incident is a blatant attempt to avoid fulfilling their contractual obligations.This ongoing mistreatment and evasion are not only distressing but also appear to be in bad faith. I am seeking your assistance in holding United Automobile Insurance accountable for their actions and in obtaining the compensation I am rightfully owed under my insurance policy.Thank you for your attention to this matter. I look forward to your support in resolving this issue. United Automobile insurance Claim # **********Business Response
Date: 05/08/2025
May 8, 2025
Re:
BBB Case#: 23280331
Claim #: 0100408747
Policy #: UAD ********
Insured: *** ******
Loss Date: 04/13/2025
Complainant: Ratarra ******
To Whom It May Concern:
We are in receipt of the above complaint forwarded by your office. Thank you for bringing this matter to our attention.We certainly do apologize for any issues with communication you may have experienced.
Please note we can confirm Ms. ****** is an excluded driver on the above policy. Our adjuster contacted the insured and informed her of the excluded driver on the policy. A denial letter for an excluded driver was also sent to our insured.
We hope this satisfies your inquiry. Should you have any further questions or concerns, please do not hesitate to contact the undersigned.
Sincerely,
******* *****
Compliance Specialist
United Automobile Insurance Company
******************************Customer Answer
Date: 05/08/2025
I am rejecting this response because:
I have been a listed driver on a policy alongside of my grandmother, *** ******. We have made every payment and have had no problems until now when I actually have to use my insurance I recently went with my own insurance company State Farm when I purchased a new vehicle because I have to get to and from work I have always been covered with United automobile until now This is not fair that now that I have to use the insurance that I have been paying for years with no problem or late payments is now rejecting to fix my car now that I actually have to use itif we cannot come to agreement, I will have to see legal advice, and I really would not like to do that because you United automobile is a business and I feel that they should treat their customers correctly
Business Response
Date: 05/16/2025
May 16, 2025
Re:
BBB Case#: 23280331
Claim #: 0100408747
Policy #: UAD ********
Insured: *** ******
Loss Date: 04/13/2025
Complainant: Ratarra ******
To Whom It May Concern:
We are in receipt of the above complaint forwarded by your office. Thank you for bringing this matter to our attention.Enclosed please find the declarations page to the above policy which shows Ms. ****** as an excluded driver.
We hope this satisfies your inquiry. Should you have any further questions or concerns, please do not hesitate to contact the undersigned.
Sincerely,
******* *****
Compliance Specialist
United Automobile Insurance Company
******************************Initial Complaint
Date:04/21/2025
Type:Service or Repair IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
March 30, 2025 I had an accident and united automobile insurance policy holder was at fault . It is close to ******* 30 day limit and I haven't heard anything about my car being fixed or sending me the money to have it fixed. All documents have been provided to them. Everything is online I try calling no answer and no one calls back. I only heard from their inspection about a possible total loss and nothing more. They apparently have 15 to do list and only completed 1 on my claim. I need help getting a hold of them and having this resolved asap so I don't have to deal with them anymore. And they have bad reviews as well when it comes to claims when their policy holder is at fault. In my case their policy holder ran a stop sign the police report states it. I don't know why it's taking so longCustomer Answer
Date: 04/21/2025
The company has reached out to me and resolved the issueInitial Complaint
Date:04/19/2025
Type:Product IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have auto pay set up with this insurance company and twice now that I have looked at getting new insurance during the process I was informed that despite me paying the full bill every single month when it is due that this insurance company has cancelled my policy while still taking my money and I did not know this until today April 19 2025 when I got pulled over for my car registration being suspended due to this cancellation of insurance. Because of this company trying to take the money out several days early, and then getting the money but cancelling the insurance I want a full refund of the entire policy.Business Response
Date: 05/05/2025
Good morning,
Attached please find our response to complaint ID ********.
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