Unique Insurance Company is like many other small, corner shop, "Joe's Insurance" type of companies. They make their money issuing policies and gamble you will never have to use them. If there is a need for you to use them, they will "insure" that they either stall or frustrate you to the point that you give up, which is their goal. If they do have to pay out, they will give you the tiniest fraction of your demand.
The purpose of these (and similar) low-cost alternatives is to provide you with state-minimum coverage for drivers who typically have a poor driving record already, and wouldn't be touched by the big companies (e.G., Progressive, Geico, Snake Farm, Allsnake, etc.)
Our company leases cabs and one of our drivers was struck from behind by a Unique-insured driver. Unique Insurance's driver hit our car so hard from the rear, our driver hit his head on the steering wheel and was forced to go to the hospital.
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