Auto Insurance Repair FAQs

If the damage is minor, we’ll ask you to get an appraisal and send it to us for review. If the damage is more severe, we’ll assign an appraiser, who will inspect the car and send a copy of the appraisal to you and the repair shop of your choice. 

You can always choose your own repair shop. If you need help finding one in your area, we can provide recommendations. Please visit the Find an Auto Repair Shop page or contact your claim handler to learn more.

If more damage is found, the shop will call the appraiser to schedule a reinspection with them. If the appraiser finds additional related damage, they’ll write a supplemental appraisal and we’ll issue an additional payment to you or directly to your repair shop.

If costs exceed the appraiser’s estimate, please contact us immediately. Depending on the cost differential, a reinspection may be necessary.

The method used to determine a total loss varies by state. Generally, we assess the car’s damages in relation to the actual cash value (ACV) of the car. If damages exceed the car’s value, then it will most likely be considered a total loss.

If your car is determined to be a total loss, your claim handler will determine the car’s fair market value using methods approved by your state. We’ll pay you this amount, less any applicable deductible. In some cases, our salvage partner, Copart, may contact you to arrange to pick up the vehicle. You’ll need to remove all personal belongings before it’s picked up. Please note that allowing Copart to tow your vehicle doesn’t affect our obligation to reach a fair settlement of your claim.

Windshield damage is usually covered if you have Other Than Collision coverage. If your windshield can be repaired, we’ll waive any applicable deductible. If you need to replace your entire windshield, your deductible will apply. Glass coverage may vary by state.

Our partner Safelite provides glass repair and replacement services with online scheduling and an automatic exchange of your information via Amica. You can always choose your own glass repair shop. If you need help finding one in your area, we can provide recommendations. Our Glass Program Manager offers qualified glass shops that warranty the replacement of damaged glass for as long as you own the car.