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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.


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.