I have never left a yelp a review in my life, but felt the need to after reading all the terrible reviews. I was in a car accident a little over a month ago. I was hit by someone who has Unique insurance while I was sitting at a red light. I received my payment today from Unique insurance. I had a lovely claims adjuster, Lorna, who took my calls and helped me every step of the way. While it took a month to receive the check, it did come. I wanted to write this so others who come to yelp to read about Unique insurance don't lose hope. read more

I read some new complaints about unique and here is some tips. Call them and select underwriting, accounts receivable etc to speak too. When they answer, tell them you want to talk to ________. Tell them you will continue to call the unlucky person you selected until satisfied. It worked. Illinois is a state that a driver not at fault can be assigned a percentage of fault. I will call term contributory negligence. They use this to reduce their already low ball claim. In the future get the cop to write them a ticket if they are at fault. Get a legitimate claim from a reputable body shop. Demand their estimator visit you to write a claim. I was able to find where the junkyard parts were coming from and called them on the damaged replacement part by calling the junkyard. Do not allow them to pick a repair shop. Call the Illinois department of insurance and ask to speak with head. You will not be able to speak with the political appointee but give her deputy an ear full. I also called governor fat boy office and gave them an earful too. They do not care about us, they are democrats. read more

Unique Insurance - Damaged car. - Auto Insurance Near Me - Niles, Illinois

I was in an accident with an insured party, that has Unique insurance as their policy holder. Well, it's been almost a month and this insurance company has been dragging-out my claim, when their insurer hit my vehicle and it's on camera and in the police report!!! The Insured- party was not paying attention and hit me from the back. Now I have to suffer from this poor lack luster insurance company that does NOT want to pay!!!!!! This insurance company is VERY-Unethical and untrustworthy. read more

This auto insurance company is terrible! I bought a policy and I didn't buy the car and they said they would refund me $300. They sent the check to an address that I haven't lived in four years. When I called numerous times they kept telling me they wouldn't refund my money. Stay away from this company Carolyn Brav read more

Seven years later and Unique Insurance is still nothing but a total scam. Do not believe a single word that comes out of their mouth. Took months to resolve a simple claim when my dad was hit by one of their drivers who didn't even have a license. read more

A unique insurance policy holder hit me a couple of weeks ago, i contacted them right away, they ask me for a police report number, a few photos and processed my claim right away. I got a check in my mailbox today read more

A Unique insured rear ended my wife. Took forever for anything to get done. Their estimate was $6,000 less than what I got. Ended up having to go thru my insurance. NOT a quality insurance company. read more

This is the worst insurance company I have ever had the displeasure of dealing with. On my way to work a year ago, one of their drivers inappropriately turned into my lane and smashed my car into a wall. Thankfully, no one was injured. She admitted fault on scene and we exchanged information. I filed a police report and made a claim with my insurance expecting that the situation would be handled quickly. NOPE. My insurance company and I tried calling/emailing multiple times to no avail. It took MONTHS for them to even respond back (the letter below was actually sent in August despite the stamped date of June when the accident happened in February). You know what it took for them to finally respond? MY INSURANCE COMPANY (State Farm) HAD TO THREATEN TO SUE THEM. What's even worse? THEY TRIED TO PIN THE BLAME ON ME despite the other driver admitting fault and a witness who saw the whole thing! (See photo) What an absolute joke. None of their numbers or emails work because they're obviously trying to dodge you and avoid paying up. AN ENTIRE YEAR LATER, I finally received compensation for the accident that their client caused. Thank god. I stressed out about this for so long and I can finally say good riddance to them. F you, Unique insurance, you shady company. I hope your company rots. read more

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If I could give 0 stars I would underwriting department takes for ever to answer if they will approve the damages for your vehicle, than month later they answer just to say NO what the fuck read more

Denied claim and claim their client did not register car with them. Not sure how they are allowed to do business.

Their insured hit my parked car overnight on Sunday 2/18. There was a police report, Ring camera footage, an eyewitness and even an arrest; there was no possible way Unique was denying this claim. I actually got a reply the next day and was told an adjuster would be sent to the shop I had my car towed to. Thankfully the shop owner personally knew a guy who worked with Unique, and I got my car looked at within a couple days (I probably would've waited longer if left up to Unique). I was forced to have my car towed to one of Unique's preferred shops of my choosing (or they wouldn't pay for supplemental repairs, if any). She claimed (read: lied) they only had two in-network shops in a city as large as Chicago - which were also conveniently 2 miles from my car's location. I let it go. I came out of my own pocket for tow and storage for an accident that was 100% their fault. Fighting for reimbursement was mind numbing. When I started asking her questions she didn't like, she tried to ghost me for a few days. Then I found and emailed a bunch of supervisors and snitched on her. Suddenly she came out of hiding saying they'd only partially refund me for the tow charge and threw some money in my face for Diminished Value. I was also out money for transit costs, but I was too mentally exhausted by then to bring it up so I accepted the terms. The checks arrived and cleared within days. It took a month to get my car back on the road (finally got him back 2 days ago). Overall, my experience wasn't as bad as other horror story reviews, but I hopefully I never ever have to deal with these clowns again. read more

Make sure you don't get hit by anyone who has Unique Insurance. They only pay what they want to pay and they end up making us pay for their customer's negligence. This should be illegal. read more

If I could give this Company a lower rating, I would. I was involved in an accident with someone who is insured by Unique Insurance, nearly 3 weeks ago. Their client ran a red light and struck my vehicle, completely destroying the front axle. Luckily, no one was harmed. However, after filing my claim, absolutely nothing has happened. My car is still in the storage unit. They have not paid the storage fee. No repairs have been made because I cannot release the vehicle unless the insurance pays the storage. I rented a car to get to work. Uniques has not reimbursed me a single solitary cent. The only thing that Unique has done is give me an unrealistic low quote for the damages. I am a disabled veteran who has served this Country for over 20 years. I don't say that for sympathy. I only mention that because I live on a fixed budget. Some may be able to relate. I also mention that because, I feel like every American deserves proper customer service. It should be against the law to treat anyone like this. What must a man/woman do to receive a fair deal? read more

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I got hit and run by someone who is insured under Unique. they refuse to provide me a rental car while my car is being repaired. my car was parked while it got hit, I have absolutely nothing to do with the accident. this is so frustrating. driver admitted to being at fault & I am pressing criminal charges. Yet, I should not have to cover the cost of my rental car. it is also hard to get in touch with any agents here, expect several days of waiting. I have explained to them over and over again, I cannot pay for the cost of a rental car upfront nor should this be my responsibility. They truly do not care. I've even asked for an Uber credit, just to get around town and do what I need to do, and they refuse. read more

I was hit by someone insured with this company. It was a nightmare to say the least. Without going into great detail I paid to fix my own car out of my pocket.They were also very mean to me when I tried to communicate with them. read more

The very worst customer service I have ever seen -Bad company go elsewhere, Only contacted them twice in 3 years of being a policy holder for adding a new car or address change ,I can never get anyone to help me. Got feed up with high rates and no service just switched companies read more

Would give 0 if i could this company is a joke they will do everything to avoid paying , my wife got on an accident caused by one of their customers , their adjusters will never pick up the phone and in case they do the only thing they will say is we haven't contact our customer. It's clear that they are train to do this , they shouldn't be on business read more

The at fault driver had unique car insurance. My Tesla is not fixed, no one has reached back out to me regarding a statement or next steps. My adjusters name is Stephanie avla and I spoke to her once! Left multiple voicemails and no response. This is the worst insurance company I've ever dealt with! Low budget insurance and the workers are pathetic read more

In an era where fairness and equality are paramount, it's disheartening to encounter companies like Unique Insurance. My recent experience with them has left me not only disillusioned but also questioning the legality of their operations. They are a prime example of what should be deemed illegal within the insurance industry due to its blatant and unjust equity practices. Despite repeated inquires, the company provides minimal transparency regarding how they determine claims. I reached out to 6 body shops and they all had comparable labor rates. As a matter of fact the body shop of my choice was $8.00 less per hour than the other five. Unique insists you take your vehicle to a body shop that has only 4 reviews and their labor rate is $44.00. Based on the yelp reviews the body shops that they do try to force you to go to have done horrible jobs and I did not want to risk taking my brand new vehicle to their shop. As a matter of fact reading the reviews on reimbursement for rental car frightened me to the point that I decided not to get a rental which inconvenienced me tremendously because I didn't want to be out more money. Furthermore, Unique Insurance's refusal to adjust their practices in response to concerns regarding fairness speaks volumes about their priorities. Instead of striving for equity and inclusivity, they seem content to maintain a system that disproportionately benefits them at the expense of others. Unique's insured hit my vehicle than left the scene of the accident which has cost me over $900.00 to have it repaired by a reputable body shop of my choice. read more

Unique is one of the worst insurance company in the state of Illinois after a year trying to get paid to get my car fix . They do the blame game, blame it on the driver drivers making deliveries driver coming out of the bar and I'm still waiting to get paid. If you ever get hit have an accident, but unique and short, you're not gonna get paid. read more

This is the second time i was stalled in my car. When i call the number that prompts to road side assistance and talk to a representative they ask for policy number i give them all the information they meed to verify me and my policy and they cant find my policy in the system. They ask for the vin number nothing comes up. They told me to call a tow truck i have to pay it not in system!! Road side assistance is for emergencies why have i been paying a monthly add on fee for road side when Unique clearly does not have me in for this additional service but i been paying ot every month!!! I don't have extra few hundred dollars this is why people pay for it . So i am stuck on busy Algonquin road half on the grass i had to glide the car half is sticking out on a one lane road in 4:00 pm traffic. I have no idea how to get my car towed or the funds. Pissed off consumer and ripped off If this gets to any management please email me at helenevarga@gmail.com with a way to talk. Ridiculous especially now happening for the 2nd time. I gave them another chance since last year i should have been pro active to move on . Humiliated and stuck on side road. Helene Varga read more

I honestly don't know why places like this is open. On December 31 2020 my parked car was hit by a policy holder of unique insurance. I called the police and got the police report. I called unique insurance and was told the adjuster would be Rosa G. So I have been calling this company for two weeks and only getting the voicemail and no call back. So I leave a review on google and I received a call back. Rosa had the worst attitude ever also they offered me $200 bucks just from pics. I definitely declined. How can u tell the damage from pics. So I just went through my insurance geico. Which a real quote was $710 bucks. read more

Unique Insurance - This is my quote from geico. - Auto Insurance Near Me - Niles, Illinois

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Absolutely terrible! I was in a motor vehicle accident with someone who had this insurance. It was a simple auto accident that should have been taken care of quickly it took me filing a complaint with the insurance commissioner's office, and going on television with the consumer advocate reporter and exposing them to get them to finally pay. But they still did not pay the auto shop everything and now they are having to sue them for the rest of the payment. Unique Auto actually told them that they were sending the money and even sent them proof of the check and then turned around and told them that they were no longer sending it! They were a nightmare to deal with. It took months for me to get my money back and the local Body Shop no longer will accept this insurance! At least the insurance commissioner in my state is now aware of them after the expose was done as the reporter went directly to them as part of the piece. read more

Unique insurance some straight bullshit.... Nov 19, 2023 i was struck by one of their customers their customer went to jail for driving with suspended license .... I was told by unique they don't pay for rentals they do rental reimbursement which is bullshit also ... After everything they accepted full responsibility of fault.... On December 12 I accepted a payout because my car was deemed totaled... it's Jan 11, 2024 still nothing Adrianna Carrol lies constantly saying her adjuster haven't approved to send out a check but i can never speak with the adjuster or anyone else .... This whole company is a scam if you have to deal with this company i totally feel bad for you but i can guarantee i get the last laugh.... read more

This is the worst insurance company I have ever dealt with in my entire life. They took 5 months to deny my claim although the other vehicle was at fault. They don't communicate and their supervisor Rosa never calls anyone back these guys are fucking TERRIBLE!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Then Amy was rude as ever Michelle either quit or got fired in the middle of my claim idk but they are horrible Horrible ppl! read more

This "insurance company" is a pure scam. I had the unfortunate displeasure of being struck by one of their clients while I was riding my motorcycle last spring. I was stopped in traffic and not moving when their imbecile driver decided to take a lazy left turn and ended up plowing into my bike. My forks were bent and my frame damaged and as such I knew I was going to get totaled. This imbecile driver was clearly at fault and the responding officers agreed that she was at fault. I filed the claim through my own insurance company and paid my deductible. A few days later my insurance company confirmed that my bike was totaled and I was paid out for it. After two months I finally purchased a new motorcycle and that is when I found out that this trash ass insurance company called unique screwed me. Because they refused to communicate with my insurance company the subrogation demands went unpaid. My insurance on the new bike doubled despite being substantially similar to the loss and one year newer. Since Unique won't pay the subrogation demand this accident is treated by insurance companies as being my fault. All courtesy of Uniquely awful insurance. Whenever a class action lawsuit is filed against this trash ass company please get in touch with me because I want to be part of it. Unique insurance company isn't an insurance company and they need to have their licensing revoked and be shut down. read more

Would give it a -1 star review if anything ! They have the audacity to not want to pay for my car since the guy that was at fault was drunk and crashed my car & not want to collaborate with nothing ! Michelle Vesedicta isn't a nice or good adjuster, I would sue this place if anything !!!! IM STILL WAITING FOR MY MONEY & for you guys to pay for the damage your client caused !!!!!! This insurance isn't worth getting, just a cheap insurance as I say so myself ! Hope Fernando Ruiz Martinez & the company get fucked over and pay no matter what !!! Unique shouldn't even exist in the beginning once again WORST INSURANCE COMPANY EVER !!!!! read more

Unique Insurance - My car crashed by her drunk client Fernando Ruiz Martinez - Auto Insurance Near Me - Niles, Illinois

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I feel sorry for anyone involved in a car accident with someone who is insured by this company!! They are the worst company to deal with and don't expect to get anything if you file a claim.They are hard to contact and they will drag it out for months hoping you will just drop it. and you may as well cause out of a $1,257.00 claim they only gave me $354! I needed the whole bumper replaced and painted and all they wanted to do is slap a little paint on it. I wish I could give a -0 rating and they don't even deserve that. read more

Worst insurance company EVER!!! I was hit by one of their insurers named John Kendzior while I was stopped at a red light! I filed a claim through his insurance (Unique) & it's been almost a week and the advisor has yet to answer my phone calls or return any voicemails. They wouldn't even provide me with a rental and what's worse is the body shops they're contracted with have the most terrible reviews!!! Useless piece of shit company! NO STARS IF POSSIBLE UPDATE: After about 1 wk, the company has since ignored my calls, emails & voicemails.. I ended up going through my own Insurance. Paid $1,000 deductible and it has been 7 months now. My insurance company has been having a difficult time trying to retrieve my money from Unique Insurance. They won't answer them, and at this point I hope John Kendzior & Unique Insurance get fucked over in life. I'm a single mother of 2 boys, so that 1,000 I had to spend definitely hurt my pockets and took from my children's mouth. Such a fucked up company I swear read more

Unique Insurance - Auto Insurance Near Me - Niles, Illinois

This company is scamming people left and right. When dealing with them, make sure to file a complaint with the Illinois Department of Insurance and get your lawyer ready because they do not answer their phones, emails or voicemails. They will nickle and dime you every step of the way and come up with all sorts of shenanigans to not pay you or undercut you. They ask you to move your car from the tow yard at your expense (when submitting a claim) claiming to reimburse you and then they fail to reimburse you full value. If the car is totaled, they will force to retain a salvage fee so they can pay you less. Even though by law it's your choice, they will force it upon you. If you ask any questions or explanation, they just purely disappear. Good luck attempting to contact them because nobody there pick up phone or answers email. Must be their company policy to screw people over. This company should not exist, what they do is criminal and fraud. I usually don't like to write reviews but this is by far the worse experience I ever had with any business. If I could give it negative stars, I would. They deserve less. read more

Would put 0 if I could. Absolutely the worst "insurance company" I am not a policy holder with them but I had an accident in February and they are trying not pay out and just take as much as possible even waited until after the court to see if they would do something. Basically a scam company. read more

My mother's parked car was hit by an uninsured driver. My mom is insured through Unique. Unlike some of the comments here, my mother has a great driving record, but InsureOne transferred her policy. It was a rocky start with this company. The office was closed on the weekend (the incident happened on Saturday morning) and my mom waited on hold for over an hour to get someone on the phone to get a claim number. However, after some prodding via email by myself to both her adjuster, the adjuster's manager, the president and the communications manager of the Unique's holding company (Producers National), my mom's claim was handled within a month of the incident. Albeit not the fastest claim turnaround time, but nothing like what the other people have been through in terms of getting in contact with their adjusters. My mother's adjuster was responsive to both my mother and I and she also approved a supplemental claim from the auto body shop (which we chose and was luckily less than two blocks from where we lived). I think the deterrents are the claims office being closed on the weekends, rental cars not being covered, and long wait times on the phone. I can't say this was the best experience with an insurance company, but I am thankful I was able to get in touch with people who took care of the claim and got my mom back in her car. read more

If ZERO stars were possible, that's what they'd get from me. One of their clients struck my car from behind. I wasn't moving. I decided to go through his insurance to file a claim. Big mistake. They never answer phones and they're rude when they do. They sent me to a Sergio's shop for an inspection. It was disgusting with dirt, dust, spiderwebs, roaches, moldy furniture and a vending machine with old ramen noodles that was way outdated. One of their workers tried to tell me that some of my damage looks like it was older. I've never had an accident in that car and I wash it very frequently and wouldve noticed that dent. Anyways...Took 2 months for them to try and tell me the damage was only $400, when State Farm already inspected and told me $1600+. I just gave up and filed the claim through my own insurance and got my money the same hour. All I'm waiting for now, is my deductible. I get that when(if) Unique responds. It's been 10 months since my accident. Still waiting... read more

I am not a policy holder, but after submitting an accident claim I was informed by my agent that Unique was not at all responsive to his inquiries. My accident was in October and I reported this to my insurance company the same day, I didn't speak to Unique until about a month later. When I did give my statement, they let me know that they did not have contact information for their own client and hadn't been able to get in touch with her, so I provided that information to them. Overall speaking with Unique has been very difficult and lacking in professionalism on the occasions that I have been able to connect with them. It's been almost 3 months now, my claim is still in limbo. Although I am not a policy holder, based on my experience with I wouldn't recommend Unique to ANYONE. read more

I was in an accident 12/24 this company is terrible. I get there is a process you must go through but at the end of the day I learned just because liability insurances cheaper your better off getting full coverage to protect yourself and save yourself from headaches of dealing with companies like this one. First off let me start by stating if you google the company they have been investigated by NBC for not paying claims. I pretty much did all the work to get the claim paid out. The lady who hit me never responded to any of their messages. I got the police report for the company after waiting a month and a half to find out they were just hoping the driver would send it to them. After getting the police report and practically calling them twice a week I finally got a check from them on 3/2/19. I hade only ever had State Farm so apparently the things I asked of Unique Insurance was too much. Staff was hit or miss of the phone if they were pleasant to you or not. My assigned Adjuster was terrible, I pray for whom ever has to deal with this company read more

If you have Unique Insurance, please find another insurance company. I have to rate one star in order to post my comment. Peace and blessings... read more

I was with Unique Insurance for 5 years and never missed a payment.My Custom F 150 was hit by a uninsured driver over $5000 in damage.It took them 6 months oh well though luck we won't pay.I dropped them soon after.Unique Insurance acted like they where the Victim.... read more

Do not even bother negotiating with them, they will not return your calls nor emails. DO YOURSELF A FAVOR AND GET A LAWYER. This so called auto insurance should not even exist they obviously don't care about their customers only about stealing your money. My car was hit by one of their insured client's and nothing was done to fix the damages to my car. We are suing and so should everyone who unfortunately has to deal with this company. We need to shut them down asap!!!!! read more

6/5/2023 I was in an accident. My car was not totaled out but instead sent to Fineline Collision in Chicago Ridge, IL were it sat for 3 weeks with no parts or work being done! Christine Mastruzo has made this entire ordeal as traumatizing as the accident itself!! This company does not communicate, has NEVER given me paperwork with regard to what exactly was quoted, repaired, or paid! Instead I have been chasing them around and being lied to and treated as a piece of gum under their shoe! My car was not repaired to what it was prior to the accident!! I FINALLY got it back 8/10/2023 and while following my daughter to drop off the rental, the transmission went out!!! I had to have it towed back, out of pocket, to Fineline Collision! 8/11/2023, 8:28am Mark from Fineline called to say he "fixed" the problem! Now keep in mind that while Fineline had my vehicle I couldn't easily get ahold of anyone to get status updates nor did Christine from Unique keep me up to date! Christine called me today to say that they sent another adjuster out and my car was fine and ready for pickup! My car now has a low humming noise and pulls to the right. I wasn't reimbursed for the tow as promised and have yet to receive a return call to address my request for a 2nd opinion from another collision repair company!! Instead I get sent to voicemail or the complete run around by both Christine at Unique and Fineline! I need a good lawyer who can get compensation for my deductible, tow expenses, and car rental, OUT OF POCKET, PLUS emotional distress!! This company has NO transparency in their business dealings!! I do not feel safe driving this vehicle!! read more

Actually shocked that this company still exists. One of their drivers with an awful driving record (which we found out about when we had to attend his court hearing) slammed into my wife, who was seven months pregnant and began to experience early contractions. After multiple hospital visits they were able to get contractions to stop. The driver admitted total fault, including profusely apologizing in tears to me blaming his brakes for failing. After calling our own insurance, we were advised to go through them as Unique was awful, however I did call them and they initially wanted me to go to some sketchy body shop that was most likely a chop shop. We ended up having to take Unique to court as well as our own insurance to deal with thousands in medical bills as well as the damage to the vehicle and deductible, and this took years. They even convinced their client to completely change his story and blame my wife, going against his own prior testimony, the traffic records and the evidence. None of this worked, but what should have been a simple process to get our repairs and medical hardship covered took nearly three years because Unique is such a fraudulent, awful company. There's a reason most of their insured drivers are the kind you wouldn't want to be anywhere near on the road. Their policies are worth less than the paper they're printed on. Someday, these crooks will get shut down and their management will be jobless or in prison. read more