wright-flood-insurance
Wright Insurance
Claims: 877-270-4329
www.wrightinsurance.com

upc-insurance
UPC Insurance
Claims: 888-256-3378
www.upcinsurance.com

wright-flood-insurance
Windhaven Insurance
Claims: 866-595-4080
www.windhaven.com

Federated National
Federated National
Claims: 800-293-2532
www.fednat.com

Cypress Insurance
Cypress Property & Casualty
Claims: 888-352-9773
www.cypressig.com

wright-flood-insurance
Universal P & C
Claims: 954-958-1205
www.universalproperty.com

wright-flood-insurance
Citizens Insurance Agency
Claims: 1-866-411-2742
www.citizensfla.com

wright-flood-insurance
Avatar Property & Casualty
Claims: 877-233-3228
www.avatarins.com

southern-oak-insurance
Southern Oak Insurance
Claims: 877-900-2280
www.southernoakins.com

foremost-insurance
Foremost Insurance
Claims: 800-527-3907
www.foremost.com

southern-oak-insurance
Monarch National Insurance
Claims: (800) 293-2532
www.monarchnational.com/

Lloyds of London
Lloyds of London Insurance
Claims: 800-527-3907
www.lloyds.com/

TAPCO
TAPCO Insurance
Claims: (800) 548-1489
www.secure.gotapco.com

Cabrillo Coastal
Cabrillo Coastal Insurance
Claims: (866) 482-5246
www.cabgen.com/

GeoVera Specialty
GeoVera Specialty Insurance
Claims: (877) 642-1815
www.geovera.com/

US Coastal
US Coastal Insurance
Claims: (866) 482-5246
www.uscoastal.com/

Ascendant
Ascendant Insurance
Claims: (877) 834-4990
www.acicompanies.com

US Coastal
Universal North America
Claims: 866-999-0898
www.uiha.com/

Ascendant
People’s Trust
Claims: 877-333-1230
www.peoplestrustinsurance.com

Atlantic Insurance Group Resources:

At Atlantic Insurance Group, we’re firm believers in “knowledge is power.” We hope you’ll take a moment and explore the resources provided below. We look forward to the privilege to work with you to tailor an insurance program that truly meets your needs and provides you with sound coverage and peace of mind.

Glossary

A B C D E F G H I J K L M N O P Q R S T U V W
There are 10 names in this directory beginning with the letter U.
Umbrella Policy
Coverage for losses above the limit of an underlying policy or policies such as homeowners and auto insurance.
Underlying Coverage
The insurance or coverage in place on the same risk that will respond to loss before the excess policy is called on to pay any portion of the claim.
Underwriter
The person trained in evaluating risks, deciding whether to accept or reject an application for a policy, and determining rates and coverages for risks.
Unearned Premium
The amount of a pre-paid premium that has not yet been used to buy coverage. For instance, if a policyholder paid in advance for a six-month premium, but then cancels the policy after two months, the company must refund the remaining four months of “unearned” premium.
Uninsured Motorist Coverage
Protects the insured against financial loss resulting from bodily injury carelessly inflicted by an uninsured motorist, including a hit and run driver, who is legally liable. Bodily Injury Benefit.
Uninsured/underinsured Motorist (um/uim) Coverage
Auto insurance coverage that pays for the policyholder’s injuries and, in some states, property damage caused by a hit-and-run driver or a motorist without liability insurance. It will also pay when medical and car repair bills are higher than the other driver’s liability coverage.
Universal Life Insurance
An interest-sensitive life insurance policy with flexible, adjustable premium payments, that builds cash values.
Unreported Claims
Accidents which have occurred but which have not been reported or recorded.
Usage
Refers to the primary function or purpose in which you intend to operate your vehicle. For example, if you primarily drive your car to and from work, the usage is considered “commute”; if you are self-employed and you primarily drive to see customers, the usage is considered “business.”
Usual and Customary Fees
Charges for medical services that refer to the amount approved by the carrier for payment. These charges may be based on rates usually charged by physicians and providers in your area; rate averages compiled by independent rating services; or rate averages compiled by the insurance company.