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COVID-19 FAQs


We’ve compiled a list of FAQs to provide you with some answers in this time of uncertainty.

COVID-19 Auto Premium Relief Program

Amica announced on April 9, 2020, that every Amica customer that had an automobile insured with us as of April 1, 2020, will receive a 20% credit on their auto premiums for April and May, pending regulatory approval. 

California and New York auto policyholders, please read our special notices. 

  • This premium credit applies to automobile, motorcycle, RV and trailer policies.
  • Customers must have had their auto, motorcycle, RV and/or trailer policies with us as of April 1, 2020. They must also remain insured with us on the dates the credits are issued. Customers that purchased auto policies after April 1, 2020, do not qualify to receive the credit.

  • There is nothing our customers need to do to receive the premium credit.

The credit will be issued in two installments, one in May and one in June.

This is an unprecedented time when people across the country are driving less than before. This has resulted in a reduction in auto claims. We’re providing this credit to account for that change.

  • Twelve-month policies: First, we’ll determine the average daily premium for your policy period taking into consideration any premium changes. This average daily amount is multiplied by the number of days your policy was in effect that month. This total is multiplied by 20% to determine the credit amount. For example:
    • Let’s say your annual premium is $2,400.
    • $2,400 is divided by 366 days (assuming your policy included February 29 as 2020 is a leap year) to arrive at your average daily premium of $6.56.
    • If your policy was in effect for the entire month of April we’d multiply $6.56 by 30 to get $196.80. 
    • $196.80 is multiplied by 20% to determine your credit amount of $39.36.
  • Six-month policies: First, we’ll determine the average daily premium for your policy period taking into consideration any premium changes. This average daily amount is multiplied by the number of days your policy was in effect that month. This total is multiplied by 20% to determine the credit amount. For example:
    • Let’s say your six-month premium is $1,200.
    • $1,200 is divided by 183 days (six months and assuming your policy included February 29 as 2020 is a leap year) to arrive at your average daily premium of $6.56.
    • If your policy was in effect for the entire month of April we’d multiply $6.56 by 30 to get $196.80. 
    • $196.80 is multiplied by 20% to determine your credit amount of $39.36.  
  • For customers who have a balance on their policy, a credit will be applied to the balance owed, once in May and once in June.
  • Customers who have paid their policy premium in full, or who aren’t scheduled to receive a bill in either May or June, will receive a refund check equal to the premium credit.
  • Customers who have a balance owed on their policy that is less than the credit, or who aren’t scheduled to receive a bill in either May or June, will receive a refund check for the remainder.
  • Customers on AutoPay through Amica do not need to take any action. The credit will be applied to reduce your bill.
  • Viewing your credit/check: Customers can view their credit amount by logging into Amica.com. Additional details can be viewed on the Billing Transactions page. For customers receiving checks, we ask for your patience, as checks are being mailed between May 6 and May 16. If you have not received your check by May 27, please contact us.

Premium relief credits are being issued in May and June, and will show on bills issued in those months. Keep in mind that the bill’s issue date is different than the due date. For example, if you receive a bill in late April that is due in May, that is your April bill and it will not show a credit. In this case, the first premium relief credit will show in the bill issued in late May.

No, this credit will not affect the amount of the dividend you receive at the end of the policy period.

Your credit is 20% of your average daily premium throughout the whole policy period, inclusive of any changes, multiplied by the number of days your policy was in effect in the month.

For our customers

Yes. We’re here and ready to assist you, 24/7. You can reach us at 800-242-6422.

In response to the COVID-19 pandemic, we’re taking measures to ensure we can continue to serve you, while also protecting our employees and doing our part to curb the spread of the virus. The vast majority of our employees are working from the safety of their own homes. They have a variety of tools to assist you while limiting in-person contact and the exchange of physical documents. To learn more about the tools we’re using, go here.

We’ve closed all Amica facilities to guests and vendors.

About our services

We cover loss caused by COVID-19, subject to all other terms and conditions of the policy.

Our goal at Amica Life is to help you protect your financial well-being, and we’re fully committed to giving you the support you need during these unprecedented times. If you have any questions about your policy, don’t hesitate to call on us. While we’re restricting visitors to our locations, we’re still here for you. Amica Life offers a variety of convenient digital tools that you can use from the comfort and safety of your home any time. 

We offer digital and self-service functionality on Amica.com and through the Amica mobile app.  To access these tools, log in to your account on Amica.com or download and log in to the Amica mobile app. Download the free app through Google Play or the App Store.

For our community

We’re taking direction and following the recommendations from the Centers for Disease Control, the World Health Organization and governmental officials. Ninety-five percent of our employees are currently working remotely. 

We’ve made key changes to our internal policies, benefits and employee support programs to make this situation easier on our staff and their families. We know how important it is to take care of the people who take care of you.

We’re dedicated to supporting the communities where we live and work, and we’ve made a number of donations to organizations that are helping those most vulnerable get through this difficult situation. As always, we provide a matching donation to nonprofit organizations our employees and their spouses support. This giving reinforces the good work our employees see happening in their local communities.

CARES Act FAQs and Required Minimum Distribution Changes

Updated as of April 13, 2020: If you have additional questions, including anything not noted below, please contact Amica Life at 844-894-4228.

Under the CARES Act, IRA owners do not need to take their 2020 Required Minimum Distribution (RMD). Also, an IRA owner can take a distribution from an IRA without a 10% early withdrawal tax penalty.

Yes. The RMD waiver applies to both 2020 RMDs and deferred 2019 RMDs.

If you have received all or part of your 2020 RMD, you can roll over the amount back to your IRA within 60 days of receiving the funds.

If you took an RMD between Feb. 1 and May 15, you may put the money back by July 15. For anyone who takes an RMD after May 15, the normal 60-day deadline applies.

We can stop issuance of any scheduled 2020 RMD upon your written request.

Please call us at 844-894-4228 if you want to defer a future distribution.

Yes. Individuals are allowed to take coronavirus-related distributions from their IRAs without the 10% early tax withdrawal penalty. Please call us at 844-894-4228 if you want to take a COVID-19 distribution.

A coronavirus-related distribution is available to anyone who meets one or more of the specific criteria outlined below and submits a statement to Amica regarding their need:

  • Tested positive for COVID-19
  • A spouse or a dependent tested positive for COVID-19.
  • Experienced adverse financial consequences as a result of being quarantined, furloughed or laid off; having reduced work hours or the inability to work due to lack of child care resulting from COVID-19; or the closing or reduction in hours of a business owned or operated by the individual due to COVID-19.  

Yes, any coronavirus-related distributions are taxed as ordinary income. However, the income tax from this distribution is spread evenly over three years.