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Auto Insurance Claim FAQs

Reporting a claim

  • 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 all digital payments, you’ll receive an email that includes a link to a secure portal for our payment processing vendor, One Inc. On that portal, you can select how you want to receive your payment. We can send payment to: a checking or savings account, a debit card, PayPal or Venmo. Some restrictions for payment method availability may apply.

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.

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.

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 will be released.

We’ll confirm with the financial institution how they’d like the payment handled. You may still be able to receive a digital payment.

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.