United Auto Insurance
Non-standard auto insurance for high-risk drivers
Auto Property Damage Adjuster
Remote within the Southeast region.
About the job
- A bachelor's degree in a relevant field such as business or finance is preferred, or four years of prior experience in insurance or customer service may be accepted in lieu of the degree.
- Must hold a Florida 6-20 All Lines Adjuster License.
- Knowledge of property and casualty insurance policies, regulations, and procedures.
- Proficiency in Microsoft Word, Microsoft Excel, Windows-based applications, and internet usage.
- Strong analytical and problem-solving skills.
- Excellent communication and negotiation abilities.
- Attention to detail and organizational skills.
- Ability to work independently, make sound judgments, and handle multiple claims simultaneously.
- Conduct thorough investigations for low-complexity insurance claims.
- Collect relevant information, including photographs, statements, police reports, and other documentation necessary for assessment.
- Review the extent of damage to vehicles or other insured items.
- Use industry-standard tools and software to estimate repair costs and replacement values as needed.
- Review insurance policies to verify coverage, limitations, and exclusions.
- Ensure claims fall within the scope of the policy and comply with legal and regulatory requirements.
- Analyze the circumstances surrounding accidents or incidents to establish liability.
- Complete appropriate documentation of all interactions, investigations, and assessments.
- Communicate findings and decisions to policyholders, claimants, and other stakeholders.
- Negotiate fair and reasonable settlements with claimants or their representatives.
- Ensure compliance with company policies, industry regulations, and legal requirements during the settlement process.
- Address inquiries and concerns and provide regular updates to policyholders and claimants.
- Work closely with underwriting and legal departments to ensure accurate and timely claims processing.
- Stay updated on industry regulations and compliance standards.
- Meet established targets for productivity, cycle time, quality, compliance, customer satisfaction, and timely claim resolution.
- A dual license in Texas is highly preferred.
- Bilingual English/Spanish ability is preferred.
About the company
United Auto Insurance provides low-cost auto coverage tailored for drivers who don’t qualify for standard insurance. It focuses on non-standard auto insurance and sells through a network of independent agents. Its products are priced to meet the needs of higher-risk drivers and are distributed via agent portals that streamline quoting and selling for agents. The company differentiates itself through its long-time focus on the non-standard market, its private ownership, and its use of technology to empower agents, plus a strategic expansion from Florida to Illinois and later toward Texas. Its goal is to grow its market presence in non-standard auto insurance, strengthen its financial position, and expand into more states by supporting its core markets with additional capital and scalable distribution.
Company Size
201-500
Company Stage
Seed
Total Funding
$45M
Headquarters
Miami Gardens, Florida
Founded
1989
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Simplify's Take
What believers are saying
- Guidewire Cloud should cut claims friction and speed processing after the March 2024 migration.
- UAIC's 2018 Victory Park Capital investment still supports growth and balance-sheet flexibility.
- Non-standard auto demand stays sticky in Florida and Texas, where standard insurers underserve drivers.
What critics are saying
- Daniel Reyero sued UAIC on February 11, 2025, alleging TCPA violations.
- A.M. Best withdrew UAIC ratings in 2025, weakening counterparties' confidence.
- Cloud modernization without ratings transparency leaves UAIC vulnerable to capital and claims shocks.
What makes United Auto Insurance unique
- UAIC targets non-standard auto buyers, a niche larger carriers routinely avoid.
- UAIC migrated ClaimCenter to Guidewire Cloud in March 2024 across all operating states.
- UAIC still sells through independent agents, preserving low-cost distribution discipline.
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Benefits
Health Insurance
Vision Insurance
Dental Insurance
401(k) Company Match
Paid Vacation
Paid Holidays
Flexible Spending Accounts
Life Insurance
Disability Insurance
Remote Work Options
Growth & Insights and Company News
6 month growth
↑ 22%1 year growth
↑ 22%2 year growth
↑ 22%MIAMI GARDENS, Fla. SAN MATEO, Calif.--(BUSINESS WIRE)--United Automobile Insurance Company (UAIC), one of the largest privately-held, family-owned property and casualty insurance companies in the United States, and Guidewire (NYSE: GWRE) announced that UAIC successfully migrated Guidewire ClaimCenter from an on-premise environment to Guidewire Cloud to power and simplify its claims and related IT operations. The company implemented ClaimCenter on Guidewire Cloud to its commercial and personal automobile lines of business in all of the states where it operates. “We implemented ClaimCenter on Guidewire Cloud as part of a multi-phase digital transformation strategy. We’ve been an on-premise ClaimCenter customer since 2008 and are familiar and happy with the system, so it made sense to migrate to a best-in-class, unified, cloud-enabled software platform,” said UAIC Chief Information Officer Parvin Kumar. “A software as a service (SaaS) model like Guidewire Cloud has helped us to automate and shape our business more effectively
Cloverleaf Analytics, an insurance intelligence solutions company, recently announced partnerships with auto insurance carriers United Automobile Insurance Company and Citizens United Reciprocal Exchange (CURE).
United Auto chose Cloverleaf because of the company’s ability to integrate with both the Company’s in house Policy Management System and Guidewire ClaimCenter, enabling advanced insights regarding quote, policy, and claims enterprise data in real-time, according to the vendor statement.