Claims FAQ

• Remain calm
• If safe, move your vehicle out of traffic and turn on your hazard lights
• Contact the police to report the loss
• Get medical assistance if anyone is injured
• Do not discuss or admit fault to anyone
• Only discuss the loss with the police
• Collect any information you can from the scene. This includes the insurance information, name, address, and phone number of anyone involved in the loss.
• Seek out any witnesses before they leave the scene. Obtain their name, address, phone number, and any other method of contact.
• Take photos of the accident scene and all vehicles involved. This would include skid marks, lights, lanes, intersections, and any other aspects of the scene.
• Be sure to secure your vehicle from any further damage
• If your vehicle is not drivable, move to a storage free facility.
• Report the incident to United Automobile Insurance as soon as possible, using our online form.

You have Two Options

• United Automobile Insurance Company policy number, for example, UAU 000000000
• Insurance information and phone number of anyone else involved in the accident with you
• Police report number and department name
• The date, time and place of the accident
• Knowledge of what happened in the loss
• Location of your vehicle

• If you have a policy with United Auto, you can now use our newly launched digital claims portal to file claims and track status updates 24/7 from any device. Start here!
• All parties can use our inquiry portal to check claim status, or submit claim inquiries, and/or documents to adjuster handling your claim. It is available 24/7. Start here!

After you file your claim, your vehicle's damage must be appraised. We offer several hassle-free options to meet your needs. Your options are:

1. Drive-in estimate. Make an appointment with a network shop to get your estimate.
2. Text or upload photos of your vehicle's damage. Click here for a template of the sample photos.
3. In the event, your vehicle is not drivable and you are unable to submit photos, we will come to you.

We write an initial estimate based on visible damages. However, new damages can be found once a repair facility commences the repair. In this case, the repair facility needs to call our supplement hotline and request a supplement. A supplement is a subsequent estimate of the new or additional damages found. If the vehicle is being repaired at one of our network shops, this is a seamless process. The network shops have a direct connection with us and the supplement will be done promptly and without additional delays.

We have network body shops in many areas that belong to our network of repair facilities. If you are our insured and use one of our network body shops, you will receive a 20% discount off of your comprehensive/collision deductible. Furthermore, our network repair facilities provide a guarantee on their repairs for as long as you own your vehicle.

The Florida Insurance Policy may provide Rental coverage if you opted to purchase it. Check your Declarations page to see if Rental Coverage appears there. The benefit is $20.00 per day up to $375.00 per policy term. If you have Comprehensive coverage and your vehicle was stolen, your policy includes transportation expenses. The benefit is $10.00 per day, to a maximum of 30 days. This coverage begins forty-eight (48) hours after the theft. Submit your paid rental invoice, from a legitimate car rental company to your adjuster to receive this benefit.

The Texas Insurance Policy may provide Rental Reimbursement coverage if you opted to purchase it. Check your Declarations page to see if Rental Coverage appears there. The benefit has three options: $20.00, $30.00, or $40.00 per day up to 30 days. If you have Comprehensive coverage and your vehicle was stolen, your policy includes transportation expenses. The benefit is $20.00 per day, to a maximum of 30 days. This coverage begins forty-eight (48) hours after the theft. Submit your paid rental invoice, from a legitimate car rental company to your adjuster to receive this benefit.

The Georgia Insurance Policy does not provide rental coverage for most losses. If you have Comprehensive coverage and your vehicle was stolen, your policy includes transportation expenses. The benefit is $20.00 per day, to a maximum of 30 days. This coverage begins forty-eight (48) hours after you report the theft to us. Submit your paid rental invoice, from a legitimate car rental company to your adjuster to receive this benefit.

If your adjuster has cleared coverage and has determined liability in your favor, the adjuster may advise you that you are eligible for rental reimbursement of $25.00 per day; during the reasonable amount of time it will take to repair your vehicle.

NOTE: The adjuster must authorize the rental in advance or you may not be eligible for reimbursement.

• No direct billing from a rental car company will be authorized. We work on a reimbursement basis only.
• The shop of your choice should promptly order the parts outlined in our estimate as soon as your vehicle is dropped off. Please note it is possible for shops to pre-order parts.
• Your vehicle should be delivered to the shop on a Monday or Tuesday, to avoid unnecessary weekend charges if your vehicle is drivable.
• You should proactively communicate with the shop, to ensure repairs are proceeding according to schedule, and that we are immediately notified of any potential additional damages or charges.
• You should promptly pickup your vehicle and return the insurance replacement rental vehicle upon completion of repairs.
• Make sure to advise the rental company that you need an insurance replacement vehicle.
• Collision damage waivers, additional liability coverages, gas, mileage, underage driver fees, or additional driver expenses will not be reimbursed.
• You can obtain a rental through any legitimate car rental company of your choice. Please keep in mind that all rental expenses will be on a reimbursement basis for reasonable repair time only. Reasonable repair time is calculated using the repair hours on the estimate that we have provided, divided by 6 hours a day.
• UAIC will not be responsible for any shop delays or any delays resulting from a failure to mitigate damages.
• Upon completion of your vehicle's repair, you may text or mail your rental bill for consideration. However, if your vehicle is later deemed a total loss, reimbursement may not continue. Please include your claim number in any correspondence you send us.

• The action of reducing the severity, seriousness, or painfulness of something.
• If your vehicle is accruing storage charges, you should immediately make arrangements to move it to a facility that will not charge you for storage. You will likely be requested to pay for the towing and storage charges incurred to date. Please be sure to save your receipt as we will reimburse you for reasonable charges provided that we accept coverage and liability. This also applies to temporary or emergency repairs to prevent further damage to your vehicle or property. We will require photographs of the damaged area, before its repair, along with a complete itemized estimate of repairs and a payment receipt.

If you are our insured, regardless of your Policy State, you must immediately release the vehicle to us and advise of its location. We will move the vehicle to a storage free facility and inspect your vehicle.

If you are our insured, regardless of your Policy State, you must immediately release the vehicle to us and advise of its location. We will move the vehicle to a storage free facility and inspect your vehicle.

If you are our insured, please contact us and make arrangements for the vehicle to be moved to a network shop or a storage free facility.

Yes. Although you may not have coverage to repair or pay for your vehicle, you must minimize any further damages to your vehicle, so we may inspect the damages.

In Florida, if you are not insured with us, you must move your vehicle to a storage free facility for us to inspect the vehicle.

If the loss occurred in a State other than Florida, you must immediately release the vehicle to us and advise of its location. We will move the vehicle to a storage free facility and inspect your vehicle.

In Florida, if you are not insured with us, you must move your vehicle to a storage free facility for us to inspect the vehicle.

If the loss occurred in a State other than Florida, you must immediately release the vehicle to us and advise of its location. We will move the vehicle to a storage free facility and inspect your vehicle.

You should take pictures of the damage and submit 3 estimates for our review. If the structure has extensive damages that may exceed our insured's policy limit, please

• Don't drink and drive.
• Don't text and drive.
• Use hands-free devices if necessary.
• Use your turn signals.
• Respect yellow lights.
• Obey the speed limit.
• Make the appropriate adjustments for the weather.
• Speeding will not get you to your destination any faster.
• Always wear your seatbelt.
• Call for a ride if you are not feeling well.
• Pass safely on the left, never the right.
• In case of an accident or emergency pull completely off of the roadway if possible.
• Keep your eyes on the road and hands on the wheel.
• Be aware of your surroundings while driving.
• Green lights don't always mean go! Only enter the intersection if it is safe to do so.
• Keep your vehicle well maintained.
• Check the tire pressure regularly.
• Double-check any items being transported in a truck bed.
• Keep at least a 2-second gap between you and the car ahead of you.
• Never drive through high water.
• Reduce your speed in a construction zone.
• Move over and slow down for emergency vehicles.
• Turn on your headlights and wipers in the rain.
• Avoid driving while tired.
• Look before crossing railroad tracks.
• Allow plenty of time to get to your destination.