-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0001209191-10-037609.txt : 20100707
<SEC-HEADER>0001209191-10-037609.hdr.sgml : 20100707
<ACCEPTANCE-DATETIME>20100707105824
ACCESSION NUMBER:		0001209191-10-037609
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20100615
FILED AS OF DATE:		20100707
DATE AS OF CHANGE:		20100707

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			SCHARMER NEAL R
		CENTRAL INDEX KEY:			0001451184

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-34257
		FILM NUMBER:		10941202

	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>2010-06-15</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

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

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001451184</rptOwnerCik>
            <rptOwnerName>SCHARMER NEAL R</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/General Counsel/Corp Sec</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2010-06-15</value>
            </transactionDate>
            <deemedExecutionDate>
                <value>2010-06-16</value>
                <footnoteId id="F1"/>
            </deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>5</transactionFormType>
                <transactionCode>P</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
                <footnoteId id="F2"/>
            </transactionCoding>
            <transactionTimeliness>
                <value>E</value>
                <footnoteId id="F3"/>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>4</value>
                    <footnoteId id="F4"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>22.04</value>
                    <footnoteId id="F5"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>818</value>
                    <footnoteId id="F6"/>
                    <footnoteId id="F7"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>See Footnote #6</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2010-06-30</value>
            </transactionDate>
            <deemedExecutionDate>
                <value>2010-07-02</value>
                <footnoteId id="F1"/>
            </deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>5</transactionFormType>
                <transactionCode>P</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
                <footnoteId id="F2"/>
            </transactionCoding>
            <transactionTimeliness>
                <value>E</value>
                <footnoteId id="F3"/>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>4</value>
                    <footnoteId id="F4"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>19.82</value>
                    <footnoteId id="F5"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>823</value>
                    <footnoteId id="F7"/>
                    <footnoteId id="F8"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>See Footnote #8</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1268</value>
                    <footnoteId id="F9"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">The deemed execution date of this transaction is the statement date as provided by the Company's 401(k)Plan trustee/administrator.</footnote>
        <footnote id="F2">Shares acquired through payroll deduction and participation in Company's 401(k) Plan.</footnote>
        <footnote id="F3">This transaction qualifies as a non-discretionary transaction from a tax-qualified plan and is voluntarily reported on Form 4.</footnote>
        <footnote id="F4">Represents the approximate number of shares acquired by the trustee/administrator of the Company's 401(k)Plan for the reporting person's benefit, based on a statement of the plan trustee/administrator.</footnote>
        <footnote id="F5">The price per share is based on a statement provided by the Company's 401(k) Plan trustee/administrator.</footnote>
        <footnote id="F6">The total number of securities beneficially held indirectly by the reporting person following the reported transaction includes: approximately 139 shares held in a Company 401(k) account for Mr. Scharmer's benefit, based on a statement of hte plan trustee/administrator; and 679 shares held in the Company's Employee Stock Ownership Plan for Mr. Scharmer's benefit.</footnote>
        <footnote id="F7">The number of securities shown as being held in or acquired or disposed of by the Company 401(k) account for Mr. Scharmer's benefit are the approximate number of shares of common stock for which Mr. Scharmer 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="F8">The total number of securities beneficially held indirectly by the reporting person following the reported transaction includes: approximately 144 shares held in a Company 401(k) account for Mr. Scharmer's benefit, based on a statement of hte plan trustee/administrator; and 679 shares held in the Company's Employee Stock Ownership Plan for Mr. Scharmer's benefit.</footnote>
        <footnote id="F9">The total number of securities beneficially held directly by the reporting person following the reported transaction includes: 1,268 shares of restricted stock issued under the Company's 2008 Stock Plan which vest, subject to certain conditions, on 05/21/2013.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>/s/ Neal R. Scharmer by Dianne M. Lyons, Attorney-in-Fact</signatureName>
        <signatureDate>2010-07-07</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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