Claims Frequent Questions
Auto Insurance Claims
Other Auto Claims Related Topics
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.
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
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.
If you receive a summons and complaint or other time-sensitive legal documentation regarding a covered loss, please contact Amica immediately for further assistance.
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.