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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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<SEC-DOCUMENT>0001209191-09-028676.txt : 20090526
<SEC-HEADER>0001209191-09-028676.hdr.sgml : 20090525
<ACCEPTANCE-DATETIME>20090526150837
ACCESSION NUMBER:		0001209191-09-028676
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20090520
FILED AS OF DATE:		20090526
DATE AS OF CHANGE:		20090526

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			HUTCHINS KENT J
		CENTRAL INDEX KEY:			0001451188

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-34257
		FILM NUMBER:		09851703

	MAIL ADDRESS:	
		STREET 1:		118 SECOND AVENUE SE
		CITY:			CEDAR RAPIDS
		STATE:			IA
		ZIP:			52401

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			UNITED FIRE & CASUALTY CO
		CENTRAL INDEX KEY:			0000101199
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				420644327
		STATE OF INCORPORATION:			IA
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		118 SECOND AVE SE
		CITY:			CEDAR RAPIDS
		STATE:			IA
		ZIP:			52407
		BUSINESS PHONE:		3193995700

	MAIL ADDRESS:	
		STREET 1:		P O BOX 73909
		CITY:			CEDAR RAPIDS
		STATE:			IA
		ZIP:			52407
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc4.xml
<DESCRIPTION>FORM 4 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0303</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2009-05-20</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000101199</issuerCik>
        <issuerName>UNITED FIRE &amp; CASUALTY CO</issuerName>
        <issuerTradingSymbol>UFCS</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001451188</rptOwnerCik>
            <rptOwnerName>HUTCHINS KENT J</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>118 SECOND AVENUE SE</rptOwnerStreet1>
            <rptOwnerStreet2>P.O. BOX 73909</rptOwnerStreet2>
            <rptOwnerCity>CEDAR RAPIDS</rptOwnerCity>
            <rptOwnerState>IA</rptOwnerState>
            <rptOwnerZipCode>52407-3909</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>VP/COO - United Life Ins. Co.</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>226</value>
                    <footnoteId id="F1"/>
                    <footnoteId id="F2"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By Employee Stock Ownership Plan and 401(k) Plan for self</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeTransaction>
            <securityTitle>
                <value>Stock Option (right to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>18.14</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2009-05-20</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>2500</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0.00</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <footnoteId id="F3"/>
            </exerciseDate>
            <expirationDate>
                <value>2019-05-20</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2500</value>
                    <footnoteId id="F4"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>7750</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">The amount of securities beneficially held includes: approximately 105 shares held in a Company 401(k) account for Mr. Hutchins' benefit, based on a statement of the plan trustee; and 121 shares held in the Company's Employee Stock Ownership Plan for Mr. Hutchins' benefit.</footnote>
        <footnote id="F2">The number of securities shown as being held in or acquired by the Company 401(k) account for Mr. Hutchins' benefit are the approximate number of shares of common stock for which Mr. Hutchins has the right to direct the vote under the 401(k) plan.  Such shares are not directly allocated to plan participants, but are instead held in a unitized fund consisting primarily of common stock, together with a small percentage of short-term investments.  Participants acquire units of this fund.</footnote>
        <footnote id="F3">2,500 options become exercisable in five equal installments of 500 options each on 05/20/2010, 05/20/2011, 05/20/2012, 05/20/2013 and 05/20/2014.</footnote>
        <footnote id="F4">The total number of derivative securites held includes: 1,600 stock options currently exercisable; 150 stock options vesting in three equal installments of 50 shares each on 09/01/2009, 09/01/2010, and 09/01/2011; 1,500 stock options vesting in three equal installments of 500 shares each on 02/16/2010, 02/16/2011, and 02/16/2012; 2,000 stock options vesting in four equal installments of 500 shares each on 02/15/2010, 02/15/2011, 02/15/2012, and 02/15/2013; and 2,500 stock options vesting in five equal installments of 500 shares each on 05/20/2010, 05/20/2011, 05/20/2012, 05/20/2013 and 05/20/2014.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>/s/ Kent J. Hutchins by Dianne M. Lyons, Attorney-in-Fact</signatureName>
        <signatureDate>2009-05-26</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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