I had a policy through this company. I paid additional for replacement cost so that I would have additional protection. Universal is now telling me that replacement cost excludes electronics. This is not stated anywher on my policy. They make up rules as they go alone. I filed an complaint with the state. Now I have to hire an attorney to sue them for money. They are indeed blood suckers. Dont waste your time buying a policy from them. They are set on robbing peolpe. They wonder why people hate insurance companies. They are the devil. There's only 1 way to fight the devil.
Columbia, South Carolina
The Universal Insurance
My car was hit by another vehicle on July 2nd. The police provided the information about the insurance company of the relevant vehicle. After a week of my hard work, I found the Universal Insurance Company should be responsible for my car. They got the police report on July 3rd, but they mailed the letter on July 11th. I called the phone number which was in the letter as soon as I received it. After numerous phone calls and voice mail messages, there is no response from the company. At this time, my car accident has occurred more than two weeks. They not only affect all my daily life and work, but also I have to suffer tremendous mental stress. Because of their irresponsible no contact, no reply, I cannot afford the car rental money. So I called the head office, they sent someone to check my car at 5 o'clock pm on July 16th, but he said he already came to check my car on July 9th. So that means they already knew all the things, but they never call me and ignored all my voice mail. I think they deceive the interests of consumers.
Greensboro, North Carolina
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