Universal Auto Insurance Review (2023)

This is what it's like to get a bad review from me. Well deserved. If there were such a thing as negative stars, Universal Insurance Company would get -5 stars from me. ‪#‎UniversalInsuranceCompany‬ is THE WORST company I have ever had the frustration of dealing with, not only in the insurance field but in any field, anywhere, at any time. I would recommend them only to people who I despise, and only then to make sure they spend half of each day in Universal Insurance Company's horrid automated hold line. I kept Universal for several years, without incident. Unfortunately, insurance is only useful when you DO have an incident. I was in an accident in May of this year which, by the other driver's admission and by the police report, was entirely not my fault. Since that time, Universal Insurance Company made several terrible mistakes, any one of which would have prompted me to find a new carrier. If you are interested in the details, I have, in my outrage, detailed them below. In Chronological order. Universal: 1) refused to help me with any information or legal advice about my car/claim/insurance adjuster 2) on every occasion kept me on hold for at least half an hour, even if I had a simple issue 3) took my deductible out of my settlement and send me a check without notifying me or having me agree to the process 4) lost my checking information which had been current and active for more than a year, instead reverting back to a closed account number, which almost resulted in a lapse in coverage as they did not call me and only sent me a notice by mail a few days prior to terminating my policy 5) raised my insurance rate after my accident (in the amount of $25 per month) after ASSURING me that it was NOT an at fault accident and would not change my premiums 6) after I canceled my policy and got new insurance through ‪#‎StateFarm‬(love those guys!) they sent me a bill for $125.00 with a notice that said it would be sent to a collection agency within 10 days 7) after the $125 bill sent me another for my increased insurance rate as if my policy is still in effect. 8)Today, stupidly, I called to try to tell the company, for their benefit more than mine, that I had canceled my policy and had paperwork from them proving it. Alas, I only briefly talked to an actual person who told me he would connect me in just a couple of minutes to someone and we could definitely sort it out. I spent 20-30 minutes on hold before giving up, for the very last time on this wretched company. May Universal Insurance Company at 770 Highland Oaks Drive Winston Salem, NC 27103, their incompetent staff, their awful, awful customer service, and that ugly letterhead burn in the fire of a thousand suns.