Amica Insurance Company


Pre-insurance Inspection Instructions

For new business, add cars and change cars

Read Regulation 211 CMR 94.00 for complete details.

  1. When a customer seeks physical damage coverage, the vehicle may require a pre-insurance inspection.
  2. Determine if the vehicle is eligible for a pre-insurance inspection. An eligible vehicle is any owned or leased four-wheeled motor vehicle, including but not limited to sedans, coupes, hatchbacks, station wagons, jeep-type vehicles, pick-up trucks, panel trucks, delivery sedans and vans, except vehicles which have gross vehicle weight in excess of 8,000 pounds. Motorcycles do not have to be inspected.

    If the vehicle is eligible for pre-insurance inspection, complete the acknowledgment of requirement for pre-insurance inspection form in triplicate. Give the original to the customer. Mail one copy to us with the application or endorsement request at the address indicated. Retain the third copy for your records.
  3. If the vehicle is eligible for inspection, determine if the customer or vehicle falls under one of the exemption categories outlined in Section 94.05 of the Regulation.
  4. If the vehicle is exempt from inspection, indicate the complete reason for the exemption on the correspondence you send to us, adding physical damage coverage. You should also note the reason for exemption in your records. If we determine that the vehicle is not exempt from the pre-insurance inspection, we will send a notice of mandatory pre-insurance inspection requirement to the policyholder. A copy of the notice will be sent to you.
  5. For policies issued or renewed during calendar year 2014, all 2005 and newer model year vehicles must be inspected except for new, unused vehicles. For policies issued or renewed during each calendar year after 2005, the model year will be moved forward by one year. For example, in 2015 we must inspect vehicles that are model year 2006 and newer.
  6. If the vehicle is not exempt from inspection, you must explain that the customer has 10 calendar days (excluding legal holidays) to get the car inspected in order to continue physical damage coverage.

    1. If the customer has applied in person, have him/her sign anacknowledgment of requirement for pre-insurance inspection formin triplicate. Give the original to the customer. Send one copy to us with the application or endorsement request. Retain the third copy for your records.

    2. If the customer has not applied in person, send him/her a notice of mandatory pre-insurance inspection requirement. This form must be completed in triplicate. Send the original to the customer with a certificate of mailing, which must be retained in your correspondence. Send us a copy of the certificate and inspection requirement form with the application or endorsement request. Retain the third copy for your records.

  7. Physical damage coverage is suspended if an inspection is not completed within 10 calendar days (excluding legal holidays and Sundays) from the effective date of coverage. The suspension takes effect at 12:01 a.m. of the day following the tenth calendar day. We will send the policyholder a notice of suspension in accordance with the regulation. We will also send a copy of the notice to you.
  8. If a policy has been endorsed eliminating physical damage coverage due to the failure of an insured to have a vehicle inspected, we will not require the insured to pay the physical damage premium in advance prior to reinstating coverage.
  9. Once the policy has been endorsed eliminating physical damage, coverage will be reinstated based on one of the two following conditions:

    1. If the inspection received was completed within the prescribed time frame (10 days after the effective date of coverage), we will reinstate based on the date that coverage was removed, i.e., the original suspension date.

    2. If the vehicle was not inspected within the prescribed time frame, we will reinstate coverage based upon the date that the vehicle was actually inspected.

For new business, add cars and change cars

Read Regulation 211 CMR 94.00 for complete details.

1. When a customer seeks physical damage coverage, the vehicle may require a pre-insurance inspection.

2. Determine if the vehicle is eligible for a pre-insurance inspection. An eligible vehicle is any owned or leased four-wheeled motor vehicle, including but not limited to sedans, coupes, hatchbacks, station wagons, jeep-type vehicles, pick-up trucks, panel trucks, delivery sedans and vans, except vehicles which have gross vehicle weight in excess of 8,000 pounds. Motorcycles do not have to be inspected.


If the vehicle is eligible for pre-insurance inspection, complete the acknowledgment of requirement for pre-insurance inspection form in triplicate. Give the original to the customer. Mail one copy to us with the application or endorsement request at the address indicated. Retain the third copy for your records.

3. If the vehicle is eligible for inspection, determine if the customer or vehicle falls under one of the exemption categories outlined in Section 94.05 of the Regulation.

4. If the vehicle is exempt from inspection, indicate the complete reason for the exemption on the correspondence you send to us, adding physical damage coverage. You should also note the reason for exemption in your records. If we determine that the vehicle is not exempt from the pre-insurance inspection, we will send a notice of mandatory pre-insurance inspection requirement to the policyholder. A copy of the notice will be sent to you.

5. For policies issued or renewed during calendar year 2014, all 2005 and newer model year vehicles must be inspected except for new, unused vehicles. For policies issued or renewed during each calendar year after 2005, the model year will be moved forward by one year. For example, in 2015 we must inspect vehicles that are model year 2006 and newer.

6. If the vehicle is not exempt from inspection, you must explain that the customer has 10 calendar days (excluding legal holidays) to get the car inspected in order to continue physical damage coverage.

a. If the customer has applied in person, have him/her sign an acknowledgment of requirement for pre-insurance inspection form in triplicate. Give the original to the customer. Send one copy to us with the application or endorsement request. Retain the third copy for your records.

b. If the customer has not applied in person, send him/her a notice of mandatory pre-insurance inspection requirement. This form must be completed in triplicate. Send the original to the customer with a certificate of mailing, which must be retained in your correspondence. Send us a copy of the certificate and inspection requirement form with the application or endorsement request. Retain the third copy for your records.

7. Physical damage coverage is suspended if an inspection is not completed within 10 calendar days (excluding legal holidays and Sundays) from the effective date of coverage. The suspension takes effect at 12:01 a.m. of the day following the tenth calendar day. We will send the policyholder a notice of suspension in accordance with the regulation. We will also send a copy of the notice to you.

8. If a policy has been endorsed eliminating physical damage coverage due to the failure of an insured to have a vehicle inspected, we will not require the insured to pay the physical damage premium in advance prior to reinstating coverage.

9. Once the policy has been endorsed eliminating physical damage, coverage will be reinstated based on one of the two following conditions:

a. If the inspection received was completed within the prescribed time frame (10 days after the effective date of coverage), we will reinstate based on the date that coverage was removed, i.e., the original suspension date.

b. If the vehicle was not inspected within the prescribed time frame, we will reinstate coverage based upon the date that the vehicle was actually inspected.


We suggest you print this page for each applicant assigned to Amica to use as a reference.