Auto Insurance Claim FAQs

• Names and addresses of the individuals involved
• Accident location
• Make, model and plate number of the cars
• Names of witnesses and anyone who was injured

You don’t need all of this to file a claim, but it’s best to include as much information as possible.

Yes. We recommend you file a police report for any loss, but it’s required for certain losses as outlined in your policy.

You can file a claim without having your police report. We’ll take the information that you have, then obtain your police report when it's available and gather the other party's information for you.

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.

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.

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​.

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.

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.

If a payment is issued on your claim, you’ll have the option of receiving a digital payment or a check. For digital payments, we’ll need an email address and phone number on file for each policyholder. You’ll receive an email that includes a link to a secure portal for our payment processing vendor, One Inc.

Digital payment options may include direct deposit to your bank account or debit card, Venmo or PayPal. You can select how you would like to receive your payment in the portal. 

If you select PayPal, the email we use must match the email used for the PayPal account. If you select Venmo, the phone number we use must match the phone number used for the Venmo account.

In order to digitally receive a claim payment from Amica, you’ll need to follow the steps below. Otherwise, you’ll be mailed a check.

If you’re the only policyholder on your policy:

1. You’ll receive an email from amica@oneinc.com that includes a link to One Inc’s secure portal.
   Please note: You’ll need your claim number when accessing the One Inc portal.
2. After completing the Identity Verification Process, you’ll be asked to select the payment method and enter or validate the account details.
3. You’ll then confirm your approval, and a payment confirmation email will be sent.

If there are two policyholders on your policy:

1. The first insured will receive an email from amica@oneinc.com that includes a link to One Inc’s secure portal. They’ll be asked to indicate whether they’ll select the payment method, or allow the other insured to make the selection.
   Please note: You’ll need your claim number when accessing the One Inc portal.
2. The insured making the payment selection will need to enter or validate the payment method information and confirm their approval.
3. After the first insured has approved, the second insured will receive an email with a link to One Inc’s secure portal.
4. After completing the Identity Verification Process, the second insured will either see the account details selected by the first insured or be prompted to make a payment method selection. If the first insured selected a payment method rather than deferring to the second insured, the second insured isn’t able to change the selection made by the first insured.
5. After both insureds have completed their approval of the payment, each will receive a confirmation email.

Additional Information:

• You’ll have seven business days to select a payment method. We’ll send two reminder emails during that time, and if you don’t select your payment method, we’ll issue a check. Be sure to check your spam folder and look for an email from amica@oneinc.com.
• Both insureds can view and download any supporting documents, such as damage estimates, from the One Inc portal.
• If there’s a mortgage company included on the payment, we’ll confirm with the financial institution how they’d like the payment handled. You may still be able to receive a digital payment.
• Available payment options may vary depending on the details of your claim. Your claim handler will let you know if digital payment isn’t an option.

You’ll have seven business days to select a payment method. We’ll send two reminder emails during that time, and if you don’t select your payment method, we’ll issue a paper check. Be sure to check your spam folder and look for an email from amica@oneinc.com.

All supporting documents will be included for any payment issued. For digital payments, they’ll be included on the payment portal at the time payment is retrieved. You’ll be able to download and save the documents. For check payments, the supporting documents will be mailed to you.

Each named policyholder will receive an email and must approve before the payment is released. If there are two policyholders, the first insured will receive the email first and will need to approve before the second insured will receive an email to approve.

If you’re the only policyholder on your policy: 

1. You’ll receive an email from amica@oneinc.com that includes a link to One Inc’s secure portal.
   Please note: You’ll need your claim number when accessing the One Inc portal.
2. After completing the Identity Verification Process, you’ll be asked to select the payment method and enter or validate the account details.
3. You’ll then confirm your approval, and a payment confirmation email will be sent.

If there are two policyholders on your policy:

1. The first insured will receive an email from amica@oneinc.com that includes a link to One Inc’s secure portal. They’ll be asked to indicate whether they’ll select the payment method, or allow the other insured to make the selection.
   Please note: You’ll need your claim number when accessing the One Inc portal.
   
2. The insured making the payment selection will need to enter or validate the payment method information and confirm their approval.
3. After the first insured has approved, the second insured will receive an email with a link to One Inc’s secure portal.
   
4. After completing the Identity Verification Process, the second insured will either see the account details selected by the first insured or be prompted to make a payment method selection. If the first insured selected a payment method rather than deferring to the second insured, the second insured isn’t able to change the selection made by the first insured.
5. After both insureds have completed their approval of the payment, each will receive a confirmation email.

If there’s a mortgage company included on the payment, we’ll confirm with the financial institution how they’d like the payment handled. You may still be able to receive a digital payment.

Checks will be issued for lienholder payments.

For additional information on claim payments, please speak with your claim handler.

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.

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.

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