Amica Car Insurance

We've never been more frustrated with a company and their complete lack of response. We've been using Amica for the last 4-5 years (now in the 2nd home we've insured through them) and wow is the customer service lacking!!! Upon moving into our new home in October, we were required to get repair work done in order to make sure our coverage would continue beyond the 1st year. Which we had absolutely no problem doing - and we did have the work done a few months ago. We were asked to submit proof of the work being completed, we which we also did - and in my correspondence I asked that they please confirm 1. That they received our documents and 2. That what we sent was adequate proof of completion - and the repairs were satisfactory to continue coverage.

I have been with Amica for several years. I am a stockholder as all Amica insured are the same. I have an auto policy and a home policy. I am able to call and speak with someone and have my inquiry addressed the first time. I receive dividends. I use those dividends to lower my premium. I am happy with Amica and have no plans to change.

Over my lifetime I've dealt with several auto insurance companies. Most proved to be horrible when you had an accident or serious violation. In my case, Amica far outshone all other companies when I had a serious accident. They paid me for my car and were right there with many unbelievable services.

Hello. I have all my eggs in one basket with Amica. Homeowners policy, Auto, umbrella, and additional coverages for my wife’s jewelry. I have been with Amica for 10 years. They have consistently raised my rates. I had my car stolen and reported a claim. They were dismissive and act as though they could care less. I have top tier coverage yet they would only give me twenty dollars for a rental car. You can’t rent anything for twenty dollars. They act as though I am a suspect. Every time I ask a question they don’t know and have to get back to me. They are not covering the belongings inside the vehicle. That’s considered a different policy which I have but have a 2500.00 deductible. Ugh. I pay approx 7000.00 a year to them for my combined insurance. After this is all over I am switching. Amica is not a good company. They do have polite employees, but the actual service you get is horrible.

We were loyal customers of Amica for 15 years with our home and auto. We had a house fire and were treated as if we never paid a dime to them. They sent 2 reps to our house to harass us, argued about the value of items in the home for six months. In the end, they refused to pay to replace the roof -- "they said the burned parts could be replaced." It is a metal roof. Overall, they made a very challenging situation so much worse. This was the first and only home claim we had ever made on the house. A year ago we changed insurance companies and left Amica. They recently re-instated our home policy without notifying us, and now we are awaiting a refund on the funds they drew from our account on this reinstatement. I'd say go elsewhere.

AMICA is a wonderful insurance provider. I have been insured by them for homeowners and auto for over 30 years. Every contact with them leaves me with a positive impression as to how good they are. Claims processing has been trouble free on the few occasions that I have needed them. They settle claims promptly and painlessly. I recommend them highly.

We have moved 12 times in 26 years and re-evaluated our insurance coverage for auto, home and rental home every time. We stayed with Amica the entire time because with a good driving history they kept our rates the lowest and we know from experience with accidents in the past that they take care of you when you most need it. We have our sons on this coverage, so believe me, we have checked our options as far as value.

When I initially switched to Amica, I saved $700 between car and house insurance. I'm not sure it rates are better than others now, and need to take the time to check. I used State Farm for several years but house insurance was extreme compared to Amica. I used Farmers for probably 25+ years until they became the highest around. They were excellent insurance, but changed. They could not touch other rates.

They harassed me to switch to their policy claiming they were cheaper than Geico, etc.... I finally gave them a call and was in for an experience. Nasty is an understatement. They wanted random documents proving all sorts of BS claiming that it was a "State Requirement". Somehow the 3 other insurance companies didn't know about this "State Requirement". When we finally got the quote, they were about 30% more expensive than my current insurance. I'm glad their reviews here are terrible. People should know and keep away. Be aware, it may look good, but when you need them you will be in serious trouble.

I’ve used Amica for decades for home, auto, and umbrella. The customer service is great, everyone is professional and friendly, and issues are solved immediately. Their underwriting is pretty strict, so I’ve heard. However, I think that is a good thing. My friend is with a big company that will insure just about anyone. When claims are made, they are bounced around between reps, deal with rude employees, and subjected to long waiting times to get anything done. I told them to switch to Amica!

I submitted a water damage claim and all estimates to Amica last fall. They deemed the issue mold and said they would only cover $10,000. While every contractor has said it was caused by wind driven rain. I have removed windows, fixed water damage and am virtually complete. I am out $64,000. My attorney is involved and we have sent the same estimates 1/2 dozen times. Still no resolve. After being with Amica for 30 years. This is not the same company, their rates have sky rocketed and service is horrible. Had no choice but to fix the house. They could care less.

I been getting 2 to 3 emails per day from this company. I was told to send an email to their customer service and they would stop the emails and nothing. I’ve sent them 2 to 3 emails asking to please stop the annoying emails and nothing. The emails come in a way that I can’t unsubscribe or blocked them. I can’t stand it and therefore I’m writing this review. I will never use them for car insurance and I’ll tell people and family not to use them as well.

I trusted great Web reviews and switched to AMICA last year for lower rates. Well, their application process was quite a gauntlet--lots of fuss and bother about details and verification. Now less than a year later, I get renewal notices that my auto insurance is being raised over 10%! And my home insurance nearly 20%!! Because of "market changes" in Maryland! Well, they're no longer even competitive in Maryland, let alone a bargain. And lucky for me Maryland requires a separate disclosure of rate hikes, because I would not have spotted it, having trouble even finding their Declarations pages buried in the wads of paperwork they sent.

I never realized how overpriced Amica is. I just leased a new car and my policy went up again, so I decided it was time to look into new policies. I am now saving $70 a month by switching. After I called to cancel my policy I was told I would be getting a refund check for my policies up until the day I cancelled, and that billing would stop immediately. Three days later I was charged from them again, and they are refusing to refund the money. When I spoke to them they claimed I still owed them money for my policy, even though I no longer have coverage. One person I spoke to was shocked that I had set up a payment with Autopay directly from my bank, stating she didnt know Amica offered that service. I am so glad I cancelled, I wish I had done it sooner. Now, I just hope they return my stolen money.

I have been with Amica 5 years and Amica has never paid out on a claim. On this year's premium, 2020, they have increased my premium 36%, the highest that the insurance regulators for Colorado will allow. When I asked why they did this, I was told, "We can do whatever we want."

I've been a customer of Amica for almost 40 years, during which time I've purchased auto, homeowners and liability insurance and never once have been late with a payment. Last month the Amica invoice was delayed in getting to me because of a change to my address, and my payment arrived a few days beyond the due date. Immediately thereafter I received a terse, threatening and uncompromising letter stating that my insurance was scheduled to be cancelled. I would have expected that after 40 years without missing a payment they might have instead sent me a reminder that my payment was late, rather than a cancellation notice. It was very insulting and crude on their part, so I've reached out to a local agent who informs me that he can provide even better coverage at an annual savings of $900. Needless to say I'm switching. My recommendation is that you steer clear of Amica, they are over priced and uncaring towards their customers.

Insured with them since 2007. After changing policy terms from 12 to 6 months, they're now able to increase rates exponentially and more frequently. Reason? Claims have gone up in Texas and they have to adjust for their losses. I've never had a claim and not so much as a traffic violation. Nice one Amica. You'll soon be history with me. Why only good reviews elsewhere? Because they're likely not legit.

Amica is my insurance company (they won't be once this is over with) and I was rear-ended while completely stopped at a red light, by an uninsured driver. This was 3 WEEKS AGO. No one from Amica has come to look at my car because they are dealing with the uninsured driver's previous insurance company, who has been trying to contact the driver to "confirm" whether or not they had insurance. Of course they are avoiding their calls, but that is besides the point.

Just so you know - the 1 star rating is way too high! I was in an accident with one of Amica's customer. The customer admitted fault and was written at fault on the police report. After filling out the mountain of paperwork for the claim for the damages to my car (almost 2 months), the claims rep (who was not very timely in answering or returning calls) is now telling me it was both our fault and they are not paying to fix my car. WHAT?! SHE BACKED INTO THE SIDE OF MY CAR! I am so ticked off right now. Needless to say, I will be ranting on any outlet I can about the disservice they have done. And to think, I had even thought about changing my insurance over to them. NO WAY. I hope they don't treat their own customers the way they treated me. SMH

When I moved from Liberty Mutual to Amica they matched the home valuation of Liberty Mutual which was $1.2M+. The actual cost to rebuild based on original construction cost in 2000 was just under $1.0M but when adjusted for inflation the number in 2019 is $1.4M. About 9 months after signing up with Amica, they hired their appraiser to determine the cost to rebuild my home.

Called for a quote to insure two vehicles. 800 FICO score, own my home, steady employment, college degree, and both cars are driven by people in their 60’s. They came in at $2500 more than Geico. Nope.

My Amica experience: they suck! Here's why: First of all, they send you too much mail; you will see below why/how this becomes a problem. And their customer service is horrible... I was a relatively new Amica customer, and was set up w/ auto-pay of my premium on my credit card. Everything went fine, for a while. Someone got hold of my credit card number, so my credit card company had to close the account and sent me a new card. I called Amica and provided them with the new account details. The day before my payment was due, Amica ran a 'test' charge for $1 (as some companies do), to verify everything was in order. It was. The day my payment was due, they said they attempted the charge and it was not approved. They sent a notice by snail mail. Should I have seen it? Probably, but by this time I had started ignoring their mail because it was excessive and mostly meaningless.

I have never written a review for a company of which I am not a customer yet. But I want to share my experience in case you are shopping for a car insurance company that provides excellent claim services. My car (an old BMW) parked in the garage of a shopping mall was hit by a teenage driver who is a customer of Amica. First of all, Amica assigned a dedicated claim service representative (Megan). That's a big plus to me! Have you ever experienced talking to different customer service representatives and had to repeatedly tell your stories? Not the case here. Megan has always been responsive and resolved several issues professionally during the repair process that lasted almost 30 days. For example, when a used part could not be found within a reasonable time frame, Megan immediately approved a new part. I am with another insurance company right now. Will I consider Amica when I renew my insurance? Yes!

One of their insured struck my wife’s vehicle while driving way too fast through a parking lot. My wife was backing out in the opposite direction of the Amica driver who was traveling forward. The Amica driver could clearly see my wife’s car but since they were driving way too fast they were unable to stop in time. It is obvious to me and to all those I have spoken to regarding the incident who was at fault, yet Amica is denying liability so I am out a $500 deductible. I am the sole provider for my family and $500 is a substantial amount of money for us to have to pay out of pocket. It seems to me that Amica is just your typical insurer who denies legitimate claims and is more concerned about their bottom line than they are about doing the right thing.

Amica has been a long standing Insurance company who always did right by their policyholders... until they branched out from their home state in particular, into Maine. Maine Amica’s employees lack the integrity and professionalism that it has in other states. It may be the lack of social skills and social interaction and social inadequacy that makes them insensitive and pushy and bullying here in Maine but that’s no excuse for bad treatment and disrespect of its policy holders, those policy holders are paying their salaries, I do believe Maine Amica needs to be educated in common courtesy and reminded of who they work for. Disappointing to watch a once honorable company go downhill simply because of the mentality or lack of, of the employees in one state.

I would give zero stars if I could. Let's sum up my experience by saying I made a claim on my auto policy. It has been 2 months and the claim is still open. The representatives are very unresponsive, just the worst customer service ever. I am not someone who writes reviews, I usually just go away - but this company is downright wrong.

Be aware!!!! This Insurance company is awful. The customer service awful. Their driver hit me, they want my insurance to pay. They’re sooo rude. I got in the wreck 3 months ago and still haven’t got any help from them so I wouldn’t want insurance with them at all.

It baffles me how reps get nasty or haughty. This happened to me on 10/19/2019. Called to change insurance (my decision) and got this awful rep.; told me several blatant lies: It was 4:00 and there were no supervisors there to document a "letter of experience" - it wasn't even 4 o'clock yet. She would submit request and someone hopefully, would get to it on the next business day. A 'letter of experience" take time.

After a great decade with Amica, things got really bad this. For years I have had good home and auto insurance, good customer care, and good rates. In December 2018 they doubled the rates, so I went shopping elsewhere for home insurance. It was hard to leave, but I had no choice. Then in the summer of 2019, my car insurance payment lapsed because the card on line had expired, so they canceled the car insurance without talking to me. So I went to the new home insurance company for auto. In November 2019 I received letters from a debt collector for the auto insurance payments!! Wow. What a change in relationship! Amica isn’t the company it was 10 years. ago.

I was run off a busy interstate road during heavy rush hour traffic. I have paid my monthly premiums on time for over 30 years. When I called for roadside assistance (another service I pay for) I was informed I should have called 911. In asking for assistance I was transferred to a claims adjuster. Mind you, I’m sitting in a left hand lane, flat tire and an undetermined amount of possible under carriage damage. The claims adjuster verifies pertinent info but proceeds to update my profile info while I’m in total distress in a left hand lane on a busy highway. I need help!! I’m not sitting comfortably at my kitchen table updating my profile!