United Security Auto Insurance Review (2024)

Rural America is the focus of this United Security auto insurance review. This company is a subsidiary of Farmers Union Insurance, which is a property and casualty insurer.

In turn, Farmers Union is owned by QBE the Americas, a subsidiary of QBE Insurance Group Limited.

United Security offers insurance to individuals and businesses alike. Individuals can purchase auto insurance, homeowners, or general liability if they have a small home business.

Business owners can purchase business coverage that includes worker’s compensation, liability, and other forms of business coverage.

To get auto insurance quotes today, simply enter your ZIP code above to be directed to the best rates in your area.

What You Should Know About United Security Health & Casualty Insurance

When you are involved in an accident, the first thing you are advised to do is make sure there are no people injured. If there are injuries, the paramedics should be the first call made.

Then you are advised to call the police. While waiting you may want to exchange insurance information with the other driver.

Once the proper authorities are called, it is important to communicate with the insurance company to report the accident.

The insurance representative will collect the facts and gather all the information they need. They will also likely send an adjuster out to assess the damage to the vehicle.

Once the assessment has been made, you may obtain estimates for repairs or your insurer will refer you to a repair shop with which they have a business relationship.

If your car is totaled, United Security may offer you actual cash value unless you have gap coverage.

Gap coverage is usually established at the time your insurance policy is written. This type of coverage insures that you do not have to pay off a loan for a vehicle you are no longer able to drive.

United Security Health & Casualty Insurance Coverage Options

Auto insurance plans that United Security sells comply with state regulations. An insurance company has to obtain a license through the state where they plan to conduct business.

As a result of this process, the company representatives are aware of state minimums for auto insurance coverage.

Plan coverage usually includes damage liability and body injury liability. To protect yourself in the event of an accident there is personal injury protection.

Collision coverage should be purchased to cover personal property of another, and damage to your car in the event of an accident.

Comprehensive coverage protects your car against theft, inclement weather damage, vandalism, and other damage to your car while it is parked.

Lienholders require borrowers to purchase comprehensive and collision in addition to liability to protect their investment while you repay your loan. Additional optional coverage is also available to fit your needs.

There are a few states, like Virginia, which allow drivers that can’t afford immediate auto insurance coverage to pay an uninsured motorist fee for 12 months with the option to renew before the coverage expires.

In other states, drivers exercise the option of purchasing uninsured or underinsured motorist protection.

This coverage protects motorists against accidents involving individuals without insurance or those without enough insurance to cover all the damages sustained in the accident.

In no-fault states, it does not matter who was at fault in the accident. Each driver’s insurance company covers the damage and injuries of their policyholder.

United Security Health & Casualty Insurance Discounts Available

Discounts are offered as an incentive to do business with United Security Insurance Company.

Companies market these incentives to attract your business with such programs such as:

• Vanishing deductible
• Club membership
• Multi-policy
• Good driver discounts

Other discounts are available to you if you pay your premium in advance or purchase a policy for a longer term. In essence, an annual policy is going to be cheaper than a six-month policy.