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If you have a claim with Universal Property & Casualty Insurance Company, you may think it prides itself in making the insurance claim process “universally” difficult.

You may be their very own insured or you may be making a claim. Regardless, your efforts may seem hopeless. In this event, it is possible that you need legal representation.

At Fob James Law Firm, we specialize in dealing with insurance companies. Contact our insurance claim attorneys today for a free consultation.

Who Owns Universal Property & Casualty Insurance?

Universal Property and Casualty Insurance Company is a subsidiary of Universal Insurance Holdings (UVE), which also owns American Property and Casualty Insurance Company (APPIC).  

As of 2024, UVE is worth roughly $0.57B. That’s right, UVE is worth $570,000,000.00. That is a lot of money!

You see, insurance companies like Universal are in the business of making money. They do not get rich by paying YOU (the consumer or the victim).

Unfortunately, they may not hesitate to deny your claim if they think they can get away with it.

Check out Universal’s reviews with the Better Business Bureau. It looks like they may have alot of unhappy customers.

What Type of Injuries Does a Universal Policy Cover?

Universal writes different types of policies, including homeowner’s or condominium insurance.

If you were injured on someone’s property that is covered by a Universal policy, there may be coverage for your claim.

Below are some examples of the different types of injuries that may be covered by a Universal policy (under personal injury coverage):

  • Dog bite injury;
  • Any injury caused by an animal on the premises;
  • Injuries caused by a dangerous trip, slip, or fall hazard on the property;
  • Electrocution injury;
  • Firework injury;
  • Gunshot injury;
  • Drowning injury;
  • Roof fall injury;
  • Burn injury;
  • Toxic substance injury;
  • Inadvertent poisoning or overdose injury;
  • Negligent Security; and
  • Wrongful death.

There may be other scenarios or injuries covered by a Universal policy.

In fact, there may be coverage if you are injured by a Universal insured somewhere other than the insured location listed on the policy.

Our Lawyers Can Help You With Your Universal Insurance Claim

Whatever the cause of your pain, your injuries may be serious, and you may be desperate to find help in your claim against Universal. 

Pursuing an injury claim with Universal is often complicated and tedious. Do not waste your time going at Universal alone.

Our team of personal injury lawyers has extensive experience helping injured victims get the compensation they deserve from Universal Insurance.

Give the Fob James Law Firm a call today at 205-407-6009 or contact us online to discuss your case and see what we can do for you.

Author Photo

Dillon Hobbs

Dillon is a trial lawyer based in Birmingham, Alabama. After defending insurance companies, Dillon “switched sides” and now exclusively represents individuals. Dillon’s heart feels most at home in fighting for the rights of those who have been dealt with misfortune or tragedy. He now solely represents the victims in personal injury cases. Dillon’s goal is to obtain the just financial compensation and awards his clients deserve