United Automobile Insurance Company (UAIC) is an American insurance provider headquartered in Miami Gardens, Florida, specializing in personal auto insurance coverage. Founded in 1989, the company operates primarily in the non-standard auto insurance market, serving customers who may have difficulty obtaining coverage from standard insurance carriers. UAIC maintains operations across multiple states, including Florida, Alabama, Mississippi, and Georgia. The company is known for providing coverage to high-risk drivers and those with challenging driving records or credit histories. Their business model focuses on offering basic liability coverage and meeting state minimum insurance requirements for their customers. The company utilizes a network of independent insurance agents to distribute its products and maintains a claims processing system designed to handle auto-related claims efficiently. United Automobile Insurance Company is regulated by state insurance departments in each of its operating territories and maintains required financial reserves and ratings to ensure policyholder protection. UAIC has developed proprietary underwriting systems and risk assessment models specific to the non-standard auto insurance market. The company’s service infrastructure includes a claims department, customer service center, and fraud investigation unit. They also provide various payment options and plans to accommodate their diverse customer base.