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Personal Injury Protection
Personal injury protection is a type of coverage that pays for both medical costs and wages that are lost for both you and your passengers if you’re injured as a result of an accident.
Bodily Injury Liability
This kind of insurance pays for the injuries that other people sustain as a result of an accident that you’ve caused.
Property Damage
Property damage insurance pays for the damage you do to someone else's property as a result of an accident. This could be their car, home, mailbox, and more.
Uninsured/Underinsured Bodily Injury
This type of insurance pays for your medical bills if the driver who is responsible for the accident is uninsured or doesn’t have enough insurance.
Uninsured/Underinsured Property Damage
In a similar vein, this pays for damage done to your vehicle if the other driver doesn’t have enough insurance to cover the repair costs.
Collision
Collision insurance pays to replace or repair your vehicle if it’s damaged in an accident, regardless of who’s at fault.
Comprehensive
This covers damage your car sustains that isn’t because of a collision. It covers things like theft, vandalism, natural disasters, hail, and fire.
Amica offers customers many other paid auto insurance add-ons.
Full glass coverage
This covers the replacement or repair of auto glass on your car without the need for a deductible.
Loan and/or Lease coverage
If your car is totaled, this pays the difference between the value of your car and the amount you still owe in a lease or loan. For example, if the depreciated value of your car is $5,000, and you still owe $6,000 on the loan, this insurance will pay the $1,000 gap if a total loss occurs.
Roadside assistance
This 24/7 roadside assistance can help you get back up and running if you experience issues while driving. You can get help to change a flat tire, get a tow, jump a dead battery, and more.
Rental reimbursement
This pays for transportation if you can’t drive your car because it’s being repaired. It covers car rental, ridesharing, and public transport.
Plenty of discounts
Another feature Amica offers that I like is the vast number of discounts it offers. You can get discounts for bundling with other types of insurance, for having a good driving history, for how you pay, and more.
The application process begins with getting a quote. All you need to do is visit the website and click the Get a Quote button. Then you enter your zip code and address. Next, you provide some personal information like your name, date of birth, gender, relationship status, and contact details.
After that, you provide information about your vehicle, including year, make, model, purchase date, what it’s used for, and whether you own the vehicle. Up next is your driver information. You’ll need to answer questions about whether you’ve had recent accidents, moving violations, or auto claims.
Next, you’ll provide some information about your current car insurance (if you have it). Then you can see if there are any discounts you want to take advantage of. After that, Amica builds your auto quote, which can take a few seconds.
Once it’s done, you’ll see your quote and be able to customize it by choosing your liability limits and deductibles. To buy the policy, you have to call the company. I appreciate the clear process to get a quote and apply, and how easy/quick it is to get through.
Amica lets you file a claim over the phone and in your account online. You can make claims 24/7 and if you need assistance with your claim or have a question, you can call 800-242-6422 at any time, or can join a live chat. The hours for claims live chat are 8am to 9pm ET on weekdays and 10am to 5:30pm ET on Saturdays.
I like how the website has a claims glossary and an FAQ page that goes over topics like reporting a claim, what policies cover, and much more.
The information you should provide to file a claim includes your name, policy number, the names of other individuals involved in the accident, and the location of the accident.
It’s a good idea to add a description of the event, information about the vehicles, and any photo evidence you have, too. You may not need to provide all of these details to file a claim, but the more complete your claim, the better.
You can reach out to Amica for customer support over the phone at 800-242-6422, by filling out the online email form, or via live chat. Phone operating hours are between 6 AM and 1 AM ET on weekdays and between 7 AM and 12 AM ET on weekends.
The customer service live chat is available from 6 AM to 12 AM ET on weekdays and from 7 AM to 12 AM ET on weekends. To reach out over email, just fill out the online form, and a representative from Amica will reach out soon after.
The company has strong reviews on Trustpilot, as it maintains a 4.5 out of 5 rating, with over 2,500 reviews. Many of these reviews note the quality customer service and support that Amica offers.
Since 1907, Amica has been providing car insurance of various sorts to customers across the USA. Getting a quote and applying is easy, and you can do it entirely online. The company offers several ways to file claims and there are numerous options when it comes to customer support.
I like how the company lets you customize both your coverage amount and deductible to ensure you get insurance that fits your unique needs.
