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Auto Insurance Coverage

Customize an auto insurance policy that fits your budget and lifestyle1

What auto insurance coverage do I need?

It’s important to answer these questions before getting auto insurance:

  • Are you leasing or financing a car?
  • What is the year and condition of the car?
  • What’s your current financial situation?
  • Do you want maximum coverage?

Understanding your coverage will help you know what to expect after a loss.

Policy Coverage

Property Damage Liability

Provides coverage for property damage that you’re responsible for as a result of a car accident.

Bodily Injury Liability

Provides coverage for bodily injury that you’re responsible for as a result of a car accident.

Medical Payments

Covers your medical expenses resulting from a car accident.

Personal Injury Protection

Covers lost wages, loss of ability to perform basic tasks and funeral expenses resulting from a car accident.

Uninsured/ Underinsured Motorist Property Damage

Provides coverage for damage to your property if the driver who caused the accident doesn’t have enough insurance to cover damages.

Uninsured/ Underinsured Motorist Bodily Injury

Provides coverage for injuries you sustain if the driver who caused the accident doesn’t have enough insurance to cover damage.

Vehicle Coverage


Covers your car when it is damaged from an accident with another car or object.


Also known as Other Than Collision (OTC), it includes fire, theft, hail damage, contact with an animal, broken glass and more.

Roadside Assistance

With towing and labor coverage, we'll help you tow your car, jump-start your battery, change a flat tire and more.
Roadside Assistance

Glass Coverage

Glass coverage is part of comprehensive coverage. You can choose to purchase additional glass coverage to avoid having a deductible in the event of a claim.
Glass Coverage

Rental Reimbursement2

If you're in an accident you may be covered for the cost of a rental.
Rental Car Coverage

Why Amica?

Get valuable services that you can't find everywhere:

  • Free lock replacement for lost keys
  • Free repair for damaged auto glass3 
  • Free repair of a deployed air bag
  • No depreciation for a complete loss of your new vehicle4
  • Lost wage reimbursement if you have to appear in court
  • $1,000 for bail bonds

Want to know more about coverages?

Call us today at 800-242-6422

This product is not available in Hawaii. The coverage descriptions are for educational purposes only and may vary by policy and state. Your Policy, Policy Declaration, and/or Amended Declarations are the primary sources of reference for your coverage information and govern your Policy and any subsequent claim.

Coverage applies to rentals used in the United States, Canada or U.S. territories.

If replacement is not necessary.

Not available in all states. Must be within the first year of ownership.