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I've now had 2 claims experiences with Unica. Both claims I was considered not at fault. Both claims were the worst claims experience in my life. Extremely disorganized. Staff not well trained. Very difficult to get a hold of your claim adjuster. They have very few appraisers. Who are terrible at keeping appointments they've made with you. Don't be fooled by their low premium rates. It's because you have to spend hours pushing the claim forward yourself. STAY AWAY.