Claims Frequent Questions

Auto Insurance Claims

Deductibles

Payments

Liability

Other Auto Claims Related Topics

Deductibles

What is a deductible? How much is it?

A deductible is the amount of the loss  that you are responsible for. Information regarding deductible amounts can be found under the coverages section of your policy.

Why is a deductible applied when I'm not at fault?

Your deductible will be applied if you’re filing the claim through Amica. After all payments are made, if you’re not at fault, Amica will attempt to recover your payment from the at-fault person or their insurance company and, if successful, we’ll reimburse you.

How long will it take before my deductible is reimbursed?

This depends on how quickly the other person or their insurance company responds to us for reimbursement. In some cases, it may be necessary to pursue recovery through arbitration or litigation​.

Payments

What if the initial appraisal doesn't cover the complete cost to repair my car?

You can always call your claim handler to discuss receiving a supplement​. This representative will guide you through all the necessary steps, such as having your car appraised again and following up with your repair shop.

How long will it take before I receive payment for my claim?

Once we receive the necessary information and documentation, the claim payment will generally be made within two business days. If you choose a repair shop listed within our Auto Repair Assistance Program (RAP)​, we can pay the shop directly for repairs (less your deductible) to help streamline the repair process for you 

Liability

How does Amica determine who is at fault for an accident?

We will fully investigate the facts of the claim to determine liability. Our investigation may include statements, photos, viewing the accident scene, looking for potential witnesses and reviewing state driving laws.

What should I do if I receive legal documents, such as a summons and complaint?

If you receive a summons and complaint or other time-sensitive legal documentation regarding a covered loss, please contact Amica immediately for further assistance.

Should I report the loss to Amica even if I file my claim through the other person's insurance company?

Yes. You should always call Amica in case you need assistance. Reporting the loss ensures prompt handling of the claim and avoids possible problems in the future, if you are held liable for the claim.