Amica Car Insurance

Beyond cost, here are some other annoyances with Amica: My daughter slid off the road on an icy night and we called Amica for help through their auto club. They claimed that since this was a minor accident they would not send a tow truck. When else would you need an auto club but with a breakdown or accident? After talking with other insurance agents, Amica had me underinsured me on my home by $200k. However was charging more than double the competition.

I upgraded my motorcycle to the same type but with more features, and asked Amica to insure the new bike. They declined saying they didn't insure that type any longer. I also found out that they were charging me 3X what most carriers charge for the type of motorcycle I had previously. So Amica doesn't appear to be the awesome carrier they used to be. If you are currently using them, I highly recommend you get a bid from the many name brand carriers that are out there. You will probably save significant money.

When I called Amica to ask a question the representative was so rude and unkind. In all the 35 years I had them they never treated me that way. But after the accident, it was night and day. We changed our insurance and despite the great reviews it showed us that things are great until you get into an accident then forget, they will throw you under the bus. We could have gone to court and dragged this out another 5 more years but we wanted to move on with our life.

I made the claim for Safelite and was then informed that I’d have to pay $250 out of pocket deductible for the repair. Ugh, I was blind sided by that and when I called Amica they basically told me too bad, so sad. To make matters worse Safelite used an Aftermarket windshield. It does not have the Honda brand etched into the glass. They also didn’t install the trim pieces correctly and the right side wiper arm was installed at the wrong angle. I had to spend about 30 minutes reinstalling things correctly. I just don’t like that a new car that I haven’t even made the first payment on now has an aftermarket windshield. I know it’s just glass but it looks different and now the car feels substandard and used. Way to go Amica!

Insurance is not my area of expertise, but something did not add up. I decided to do my own research and found out in less than 30 minutes, that the other carrier did indeed have insurance! I called Amica back and spoke with a supervisor, Margaret **, who initially was a bit patronizing and insisted Amica did their best to connect with the other party, but was unsuccessful and are still "waiting". Her tone changed when I told her that I have a copy of the Certificate of Liability Insurance, which I got in less than 30 minutes of making a few phone calls. Additionally, she had the audacity to ask if I got the handler's name!

Amica hasn't lived up to their half of our contract and left me worried that I have to pick up portions of an accident that wasn't my fault. Thankfully, none of us were injured, but I feel unprotected and that they are only going to assist me when it's in their best interests. I could only imagine what would of happened if we had to be rushed to the hospital and what bills we would have incurred. I would never go with them again and would recommend everyone else to stay clear of them regardless of what you view online! They haven't lived up to their reputation.

The clerk proceeded to tell us that there was nothing we could do about this, and that we will be charged and the child will automatically be put on the existing policy - since the clerk was able to get a hold of identification information for the child, from us. Of course my husband lost it. And the clerk simply hang up. Needless to say, they are now losing our business, and hopefully additional business in the future. I don’t know in what world, an organization is legally able to force someone to pay 3000 dollars for services they refuse to buy from them, while also stripping them of any human dignity, by telling them there’s nothing they could do about it. The call was recorded. This has got to make a great case for litigation.

I later made a complaint with the Department of Insurance months later when their harassment picked up again. They responded with a false narrative, citing correspondence that was never received, and conveniently ignored written correspondence actually received. They also told the Department of Insurance that my first-party claim was a third-party claim, just so they could skirt their legal obligation I was calling them out on. Meanwhile, they had pressed on attempting to force a settlement behind my back through the Courts with a conflicted arbitrator, all while misleading me as to the date that arbitration needed to be complete forcing me to lawyer up.

In a separate claim after I was rear ended, I had my car sit at an “Amica preferred shop” for nearly two weeks. In that time, they couldn’t even so much as provide a quote or assess the damage. My Amica adjuster argued it wasn’t a shop of theirs and couldn’t put a work order in, when it was clearly listed on Amica’s website, and the shop confirmed they’re contracted with Amica. Luckily I had a nice loaner, though not at Amica’s expense.

Like most others have reported, after nearly a decade with them, I saw unusually high rate increases. They’re using their increased rates to pay corrupt corporate attorneys to diminish payouts and charming marketing to reel in more unsuspecting victims. What a scam show, especially with that new commercial of theirs claiming they exceed their customer’s standards. I was diagnosed with a concussion by multiple medical professionals and Amica stated there was no medical evidence of a concussion. I must’ve hit my head harder than I thought to continue trusting Amica with my insurance needs as long as I did! I encourage you to take your business elsewhere, as I did.