Roadside assistance
If your vehicle becomes disabled, Amica helps get you back on the road.
Award-winning auto coverage built for you
Protection for the unexpected on the road ahead
Why are car insurance coverage options important?
With the rising cost of car repairs, medical bills and accidents, having the right auto coverage matters more than ever. Auto coverage helps protect you financially if you’re involved in a car accident or experience a covered loss, helping pay for damage to your vehicle, injuries to you or others, and other related expenses, depending on the coverages you choose.
What auto coverages are standard?
Auto insurance offers a set of core coverages that work together to protect you, your vehicle and the people around you. Together, these coverages help you stay protected and give you confidence every time you’re on the road.
Can help cover the damage to your vehicle if you're involved in an accident with another vehicle or stationary object.
Also known as other-than-collision coverage, helps pay for damage to your vehicle that isn’t caused by a collision with a vehicle or stationary object.
Helps pay for damages related to someone else’s bodily injuries or property damage, as well as legal fees, if you’re at fault for an accident.
Provides protection if you’re in an accident with a driver who either has no insurance or doesn't have enough insurance to pay for your bodily injuries or, in some states, property damage.
Related costs might include lost wages or child care for you and your passengers after an accident.
Helps pay for medical expenses for you and your passengers resulting from injuries sustained in a car accident, regardless of who is at fault.
What other protections should I consider?
These coverages aren’t required, but they can provide extra protection, added convenience and greater peace of mind based on how and where you drive.
Rental car reimbursement
If your vehicle is in the shop due to a covered loss, Amica can help cover your rental expenses.
Guaranteed asset protection (GAP) insurance
If your vehicle is totaled, Amica covers the difference between your car’s actual value and what you still owe.
Glass coverage
Amica helps pay for the repair or replacement of damaged vehicle glass.
Rideshare or delivery driving
Protection for drivers who use their personal vehicles for services like Uber or DoorDash that standard policies may exclude.
Car insurance coverage FAQs
It may. Bundling auto insurance with home, renters, condo or other eligible policies can be one way to lower car insurance premiums while simplifying how you manage your coverage.
In some cases, your liability coverage may extend to a rental car, but you should confirm with your insurer before renting. Rental companies may also offer their own coverage for an additional cost. You can learn more in "Do I Need Rental Car Insurance?"
For many drivers, yes, uninsured motor insurance is worth adding to your car insurance policy. It can be valuable coverage because not every driver carries enough insurance, and some drivers have none at all.
Maybe not under a standard personal auto policy. If you drive for delivery or rideshare work, you may need additional coverage, such as a rideshare endorsement.
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