United Automobile Insurance Company (UAIC) has spent the last three-and-a-half decades dedicated to providing customers and agent partners with insurance assets to protect them in times of need. Headquartered in Miami Gardens, Florida, UAIC currently operates in multiple states and provides high-quality, low-cost automobile insurance to American citizens in need. Offering both automobile insurance and commercial auto insurance, UAIC takes pride in understanding what’s important to its clients.

Founding and Development

United Automobile Insurance was founded as a family-owned business in 1989 and is one of the largest privately-held property and casualty insurance companies in the United States. By 1998, UAIC had expanded its operations to Illinois, and it has only continued to grow its operating range further since then. UAIC has increased its operating range to multiple states, including Arizona, Arkansas, Georgia, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Nevada, South Carolina, Texas, and Utah, among others. Not only that, but United Automobile Insurance has developed and expanded its offering to service different segments of the market.

One of the driving forces behind UAIC’s growth has been their advancements and investments in new technology. Their web technology and innovation consistently rate highly for user-friendliness and dependability by reviewers every year, making the online insurance process easy and uncomplicated for both new and existing clients.

Leveraging Technology Toward Growth

Technology plays a critical role in the success of most modern businesses, and United Automobile Insurance is no exception. With a keen eye on new trends and evolving technologies, UAIC can stay at the cutting edge of its industry and offer the best possible services to its customer base. These new technologies can take many forms, ranging from website tools to quicken the customer-side process to innovative new digital strategies.

One such technological implementation came in March of 2024, where United Automobile Insurance successfully migrated their digital claims technology, Guidewire ClaimCenter, from its existing on-premise server environment to the new Guidewire Cloud in all states in which it operates. By adopting a cloud-based solution, UAIC was able to simplify its claims and related IT operations (and associated costs).

In their announcement of the migration, UAIC Chief Information Officer Parvin Kumar said, “A software as a service model like Guidewire Cloud has helped us to automate and shape our business more effectively. The results have been overwhelmingly positive… our staff is now able to focus on the business activities that are delivering value, with our agents and customers now reporting new claims and checking claim statuses themselves, reducing our call volume and leading to increased efficiencies for our team and customers.”

Core Company Values

United Automobile Insurance is in the business of trust, and they take that very seriously. Their core values reflect that integrity, customer focus, innovation, collaboration, excellence, respect, and community involvement are the values and traits UAIC uses as its guiding stars. By consistently delivering excellent care and insurance to customers, and leveraging clear communication to do so, UAIC builds the trust and reputation for integrity that is so integral to their business, and every other one of their values feeds into that.

United Automobile Insurance’s dedication to innovation and collaboration is a large component of their success, and part of that dedication is rooted in the company’s incredibly loyal and diverse team of employees. Many of UAIC’s employees have been part of the company since its founding, and the management team boasts tenures of a decade or more on average. Additionally, United Automobile Insurance benefits from a team of employees from a variety of backgrounds, ethnicities, and creeds, all things that come together to help the company best understand and navigate the varying needs of its customer base across the states in which it operates.

Defining and Striving For Success

United Automobile Insurance Company credits its success to its commitment to quality service, which includes disciplined underwriting and strategic claims handling. However, UAIC’s rubric for success is significantly more multifaceted. Eschewing single metrics, UAIC evaluates several key performance indicators and qualitative factors to determine their success and growth:

• Customer satisfaction as tracked by reviews and feedback
• Premium growth in relation to market averages
• Loss ratio as calculated by comparing paid claims to premiums earned
• The expense ratio is calculated by comparing underwriting, acquisition, and premium servicing expenses against the net premiums earned by the company
• Customer retention both in terms of what customers stay or leave and in terms of how long customers spend with UAIC
• Combined ratios are calculated by dividing the sum of claim-related losses by the earned premium
• Claims processing efficiency as measured by the speed of processing and number of errors per claim
• Regulatory compliance as dictated by the ever-shifting array of local laws and regulations
• Distribution channel performance tracked by several metrics and analytics
• Employee satisfaction and retention measured by internal reviews, feedback, and turnover rates

By tracking and monitoring these KPIs and performance metrics, United Automobile Insurance is able to not only track their successes and their failures but also identify employees, business strategies, and even customers that are not performing to standard. Employees may be struggling with a specific task and need guidance. New services may be experiencing some issues with implementation or marketing. Customers may be costing more than they are making and be a burden on the business. In all of these cases, UAIC’s robust array of metrics and KPIs offers the data needed to identify problems (and opportunities) and take steps to resolve them.

Community Support and Charity

United Automobile Insurance protects and cares for its customers professionally, but the team at UAIC doesn’t limit their sense of community and care to the workplace. The company has long-standing relationships with several charitable causes, including The Boys and Girls Club, an organization dedicated to improving the lives and education of children around the world, the Special Olympics, local schools, and local law enforcement, among others. As the company expands its reach into more states, it plans on broadening its community outreach efforts to match.