United Equitable Insurance Review & Complaints: Auto Insurance (2023)

Part of a trio of companies under the United Equitable Group banner, United Equitable Insurance Company is a property and casualty insurer in Illinois. They specialize in non-standard auto insurance.

About United Equitable Insurance Company

United Equitable Insurance Company offers very little in the way of information about either the company or its products on the website, which is basic and limited. The company is connected with Lakeshore Finance and American Heartland Insurance as part of the same group.

The company website is set up entirely for either existing customers needing to pay a bill or make insurance claims, or for agents and prospective agents. It is clear from this lack of new client information that this company does not bring in new business very often through their website.

Even the United Equitable Group page has very little information, listing the three companies they own and redirecting visitors off to the only slightly more useful company pages.

From further digging, it became clear that United Equitable writes non-standard auto insurance, serving the high-risk market. They appear to sell their products exclusively through independent agents, which is fairly common for a non-standard auto insurer. The company is based in Skokie, Illinois.

What United Equitable products are offered?

Due to the lack of business details for this company, it is not surprising we had a difficult time finding anything useful whatsoever in terms of what products they offer. In order to determine anything, we spent a period of time combing through the policy terms document which is one of many documents that can be downloaded on the website. It is also the only place where any details on coverage and endorsements can be found. This document is not meant to be a source of policy information for those in the process of shopping for coverage, and it is complex and detailed, written in a legal language not intended for the average insurance shopper to read.

The policy terms indicate a fairly basic insurance policy offering liability as well as the most common optional coverages for customers such as comprehensive coverage and collision coverage.

Other options include a non-owner endorsement, rental reimbursement, legal expense reimbursement, automobile loss payable endorsement, roadside assistance, and something called Autovisor.

Autovisor is an endorsement that provides coverage for mechanical repairs to a vehicle; it is essentially a mechanical breakdown endorsement. It covers mechanical problems that are not related to an accident.

This is an unusual endorsement for any insurance company, but particularly for a small, non-standard insurance company.

How to Get United Equitable Rates

In keeping with the lack of marketing-focused information on the website, United Equitable does not offer online quoting as an option nor do they provide rate information on their website.

As a non-standard insurer, we would not expect this company to compete with any of the standard insurance companies; non-standard rates should only be compared with other non-standard companies. High-risk drivers that need to get coverage from a non-standard company typically pay higher rates than those that qualify for standard, so it is unlikely that United Equitable is particularly competitive.

Some of the complaints we read as part of this review have referred to this company as “cheap” and “low cost”, however, so they must be a cheap option for some drivers. That said, cheap is only worth it if the company pays claims, and we will look at that issue further along in this review.

United Equitable Insurance Claims Process

Ease of Filing a Claim

United Equitable Insurance offers convenient options for filing claims. You can submit your claims through their website, or you can make a claim over the phone. They also provide a mobile app for easy claims processing on the go.

Average Claim Processing Time

The average claim processing time with United Equitable Insurance can vary depending on the complexity of the claim and the supporting documentation provided. However, the company strives to process claims efficiently and promptly.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts at United Equitable Insurance has been mixed. Some customers have reported positive experiences with quick and fair claim resolutions, while others have expressed dissatisfaction with the handling of their claims. It’s essential to review customer feedback and consider your specific needs when choosing insurance.

United Equitable Insurance Digital and Technological Features

Mobile App Features and Functionality

United Equitable Insurance offers a mobile app that allows policyholders to manage their insurance policies, file claims, and access important documents from their smartphones or tablets. The app is designed to provide convenience and accessibility to policyholders on the go.

Online Account Management Capabilities

Policyholders can easily manage their insurance accounts online through the United Equitable Insurance website. This online portal enables customers to view and update their policy information, make payments, and access policy documents with ease.

Digital Tools and Resources

United Equitable Insurance provides various digital tools and resources to assist customers in understanding their insurance coverage better. These resources may include educational materials, FAQs, and online calculators to help policyholders make informed decisions about their insurance needs.

What are the ratings and consumer reviews?

United Equitable has an F rating with the Better Business Bureau (BBB), which is the lowest possible score and one we do not see very often. The F rating is given for the 72 complaints that have been filed against the company, 44 of which they did not respond to at all and two of which were never closed. This gives us a glimpse of likely customer experiences to be had for potential shoppers.

The 56 customer reviews on Google are all negative and repeat the same complaints; the company does not pay claims, does not communicate, and has poor customer service when it can be reached at all.

The 20 negative reviews on Yelp reflect the same complaints. We were unable to find anything to redeem this company’s reputation for customer satisfaction.

What’s the bottom line?

The non-standard market can be difficult, but there are insurers out there with a much better reputation and a customer-focused approach that United Equitable lacks. The repeated complaints citing the same issues, F-rating from the BBB, and utter lack of information from the company itself leads us to recommend looking elsewhere for your car insurance.