UAIG
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
No current, public-facing underwriting, appetite, or producer-submission guide could be located for UAIG (United Automobile Insurance Group) as of March 24, 2026. The official corporate web presence appears limited to policyholder and general information functions (e.g., payment/portal access via mypolicy.uaig.net) and does not provide detailed producer or broker underwriting criteria, target classes, or appetite specifics. Operationally, UAIG is historically a nonstandard personal auto carrier focused on high-frequency, higher-risk segments, primarily in Florida and possibly other select states, but this is inferred from historical regulatory and news references rather than from any current official appetite guide. In the absence of a published guide, treat appetite, territorial eligibility, vehicle and driver acceptability, and surcharge/discount structure as entirely carrier-directed and subject to change without notice. Preferred business: Not published. Given UAIG’s positioning, producers should assume the carrier is oriented toward nonstandard personal auto rather than preferred or standard risks, but must confirm specific eligibility, desired driver profiles, prior insurance requirements, and acceptable violation/accident thresholds directly with their UAIG marketing contact or underwriter. Restricted or declined classes: Not published. There is no official list of unacceptable drivers (e.g., severe violations, DUI), vehicles (e.g., high-performance, exotics, salvage), or usage types (e.g., commercial, rideshare, delivery). Do not assume any class is acceptable; obtain explicit carrier confirmation before marketing or binding. Treat unusual vehicle types, heavy commercial use, and out-of-state garaging as needing specific underwriter approval. Geographic notes: Public information confirms UAIG/United Automobile Insurance Company is domiciled and heavily active in Florida based on regulatory filings, but there is no current, authoritative state-eligibility map or list of active writing states available on public producer pages. Verify on a risk-by-risk basis whether UAIG is actively writing new business, renewing, or in run-off in the relevant state or county, and whether any moratoria or territorial restrictions apply. Submission requirements: No public submission standards are posted for independent agents (no ACORD/driver data/loss-run requirements, minimum info standards, or documentation checklists). Assume that, at minimum, a completed application, driver and vehicle details, prior insurance history, and MVR/CLUE review will be required, and follow whatever workflow and documentation standards are communicated through UAIG’s agent portal or your UAIG marketing/underwriting contact. Use the producer portal or any UAIG-issued manuals for definitive requirements, as these are not accessible publicly. Broker/producer instructions: UAIG appears to operate through appointed agencies, with producer resources and any appetite or underwriting manuals likely restricted behind login. There is no open producer, wholesaler, or appetite page describing how to submit, which risks to target, or how to contact underwriting. Agencies writing UAIG should rely on their appointment packet, portal documentation, and direct underwriter communication for current rules, and should not market UAIG to classes or territories based solely on legacy assumptions about its nonstandard auto appetite. Because no verified, up-to-date underwriting guide is publicly available, all placement and marketing decisions involving UAIG should be confirmed directly with the carrier. Treat any historical or third-party descriptions of UAIG’s appetite as outdated unless reconfirmed with UAIG underwriting or marketing.