Tag Archives: Unique Insurance

An Introduction to the Auto Claims Process

Auto Claims pic

Auto Claims
Image: uniqueinsuranceco.com

Unique Insurance is a personal and commercial auto insurance provider serving six states. The Unique Insurance team of agents is dedicated not only to the successful resolution of all client claims, but also to sustaining client satisfaction and understanding throughout the entire claims process.

The days and weeks following a car accident can be emotionally trying. As the physical injuries and psychological trauma of the accident linger, individuals must gather themselves to navigate the auto insurance claims process. Understanding the various aspects of this process and working with a claims specialist committed to client satisfaction are great ways to reduce the confusion and frustration surrounding an accident.

The claims process begins by contacting an insurance agent after an accident. Insurance representatives will take in all available information before launching an investigation into the report and engaging with agents representing other drivers. As the investigation draws to a close, insurance agents should be able to provide clients with information regarding liability and their various coverage options. Due to the varied nature of coverage and accidents, the amount of time it can take to resolve a claim may vary.


Securing Competitive Rates on Auto Insurance

Unique Insurance Company pic

Unique Insurance Company
Image: uniqueinsuranceco.com


Unique Insurance offers competitive auto insurance rates to buyers across the country. Unique Insurance works closely with its network of agents to ensure that each buyer can find the most appropriate coverage.

Many car owners have the opportunity to secure more competitive rates for auto insurance, but it does require a bit of proactive effort. Experts recommend that policyholders look into potential discounts, such as a low-mileage discount for those who drive below a set annual maximum. Additionally, discounts are often available for cars with certain safety features, or for senior drivers who successfully complete a driving safety course.

Some drivers may also be able to alter their coverage levels to secure a lower premium. Drivers who own older cars can often save money by eliminating collision coverage, for example, while those who can afford a higher deductible may be able to do so in exchange for lower payments.

Before making a final decision on coverage options, however, an insurance buyer should assess whether he or she would be able to afford the financial consequences of an accident. Insurance companies and agents can often offer advice on this matter as well as on potentially available discounts.

What to Do After a Car Accident

Unique Insurance Company pic

Unique Insurance Company
Image: uniqueinsuranceco.com

Unique Insurance offers a diverse suite of automobile insurance services and products through independent agents. Dedicated to a high level of service for all of its customers, Unique Insurance addresses the needs of policyholders after an accident.

After a car accident, the parties involved must first check for injuries and call for medical attention if necessary. Once any needed help is on its way, the drivers should assess whether they can move their cars without causing additional damage. If so, the cars should move out of traffic and to the side of the road.

If a car is not movable, the owner of that car must call either an insurance company or a roadside assistance provider, as a tow truck will be necessary. One of the drivers may then need to make a phone call to the police, particularly if there has been major damage or if either party seems to be acting aggressively. However, any driver may consider contacting an officer simply to get an official statement for insurance.

Before either party leaves the scene, all drivers involved must gather information from the operators of all other cars involved. Insurance companies typically need other drivers’ names and contact information, as well as the other vehicles’ make, model, year, license plate number, and insurance provider.

Insurers are also likely to ask about damage, location, and injuries. Photos of the scene are helpful, if possible, as is contact information for any police officers who respond to the scene. Drivers should aim to call their insurance company to provide this information as soon as possible after the accident.

Defensive Driving Tips

Unique Insurance Company pic

Unique Insurance Company
Image: uniqueinsuranceco.com


Founded in 1996, Unique Insurance offers commercial and personal auto insurance in Illinois and Indiana, and personal auto insurance in Georgia, Mississippi, New Mexico, and Tennessee. Specializing in writing coverage for hard to place drivers, the company has a diverse group of dedicated employees, many of whom are bilingual. Safe driving is both beneficial to motorists and insurance companies. Below are some tips for defensive driving to be safer on the road.

1) Keep your eyes moving. Continuously look in all three mirrors, keeping a 360-degree view of the vehicles around you.

2) Keep a safe distance from the car in front of you by using the two second rule. Pick a point where the car in front of you passes and count one-one thousand, two-one thousand, and make sure you’re a minimum of two seconds behind the vehicle ahead of you.

3) Avoid blind spots. Many people check their mirrors only when making a lane change, hence they may not be aware of a car in one of their blind spots. If you find yourself just slightly behind the car next to you there’s a good chance the driver can’t see you – slow down or speed up to make yourself visible to the other driver.

4) Look far ahead. It’s easy to focus only on the car in front of you. Look beyond the closest vehicle to cars in front of it to gain reaction time in the event everyone brakes or begins to slow down.

5) Have an escape plan. When surrounded by cars, and especially trucks, be aware of where you might need to go should someone brake hard, or turn into your lane, and be ready to go there the moment it becomes necessary.

The Musical Theater Avant-Garde: Underscore Theatre Company

Underscore Theatre Company pic

Underscore Theatre Company
Image: underscoretheatre.org

Providing auto insurance products and services in Illinois for 20 years, Unique Insurance maintains the highest in industry standards. Unique Insurance offers competitive rates, 24/7 roadside assistance, generous compensation packages, and a user-friendly interface for online access. The company supports the arts in the community as well, contributing to the avant-garde Underscore Theatre Company.

A collaborative musical theater company, Underscore is proud to offer area composers and writers the opportunity to produce and refine new work. Workshops that help foster new musicals culminate in the Underscore Element series. New works from up-and-coming playwrights are featured in Underscore Presents cabarets, and completed works are debuted at the annual Chicago Musical Theatre Festival.

Continuing to both entertain and push the envelope in musical theater, the aim of the Underscore Theatre Company is to use music to elevate drama, intensify action, and subvert expectation. The company’s best-known shows include Liberal Arts: the Musical!, Grind: The (coffee shop, comic book) Musical!, and the interactive Halloween production of The Rocky Horror Show.

Gifts of Healing: Little Footprints Foundation


Little Footprints Foundation pic

Little Footprints Foundation
Image: littlefootprintsfoundation.org

Unique Insurance is a leading Illinois-based provider of automobile insurance products and services. With 20 years of experience in the industry, Unique Insurance offers competitive rates, generous compensation packages, 24/7 roadside assistance, and user-friendly information technology. The company stays involved in the community by supporting local charities, including the Little Footprints Foundation (LFF).

LFF is a nonprofit organization founded in 2013 in Naperville, Illinois. The foundation provides financial, emotional, and social support to children ages 4-16 who have lost a parent through an automobile accident. The foundation gives birthday and holiday gifts, along with new clothing packages to boost the self-esteem of the affected child and help decrease the financial burden of the guardian. In addition, LFF aims to create loving community support to the children and promote mindful driving in the community to prevent more deaths from car accidents.

To support their charitable functions, LFF operates a chain of resale stores, which accept gently used contributions of furniture, jewelry, clothing, and more. Donations are tax deductible, and all proceeds go to helping children who have lost a parent in an auto accident.

Why Men Pay More for Auto Insurance

Unique Insurance Company pic

Unique Insurance Company
Image: uniqueinsuranceco.com

Unique Insurance is dedicated to offering fair, competitive rates on low-cost auto insurance. Many factors determine how much you pay for auto insurance, but one you may be surprised to hear about is your gender.

While it’s not a hard-and-fast rule that all insurance companies adhere to, males tend to have higher insurance rates than females. This boils down to statistics, not sexism or preference. The National Association of Insurance Commissioners found that men are more likely to get into auto accidents and 10 percent less likely to wear safety belts. To an insurer, these findings indicate it’s safer to insure women, as the company is less likely to have to pay a claim.

A 2011 study from the National Highway Traffic Safety Administration found that men are also more likely to speed. In a speeding survey, 36 percent of males were classified as “speeders,” while the figure was only 28 percent for women.