Claims Frequent Questions

Auto Insurance Claims


What is a deductible and how much is it?

A deductible is the amount of the loss which the insured is responsible to pay before benefits from the insurance company are payable. Information regarding deductible amounts can be found under the coverages section of your policy.

Why is a deductible applied when I am not at fault?

Your deductible will be applied if you are proceeding with the claim through us. After all payments are made, if you are not at fault, Amica will attempt to recover your payment from the responsible party's insurance company and reimburse you. In some cases, you will be reimbursed for your deductible.

How long will it take before my deductible is reimbursed?

The time it will take to recover your deductible​ varies depending on how quickly the responsible party or their insurance company responds to us for reimbursement. In some cases, it may be necessary to pursue recovery through arbitration or litigation​. This process can be lengthy, but we will keep you informed of our recovery attempts.


What if the initial appraisal does not cover the complete cost to repair my vehicle?

You can always call your file handler to discuss receiving a supplement. Our representative will guide you through all the necessary steps, such as having your car reappraised and following up with your body shop.

How long will it take before I receive payment for my claim?

Once we receive the necessary information and documentation, the claim payment will generally be made within two business days. If you choose a body shop in our Repair Assistance Program​, we will pay the shop directly for repairs (less your deductible) to help streamline the repair process for you.


How does Amica determine who is at fault for an accident?

We will fully investigate to determine liability. Our investigation may include statements, photos, visiting the accident scene, looking for potential witnesses and reviewing state driving laws. We will be in a better position to discuss liability once this has been done.

What should I do if I receive legal documents, such as a summons and complaint?

If you receive a summons and complaint or other legal documentation regarding an auto accident, please contact Amica immediately for further assistance as responding to these documents is time sensitive.

Should I report the loss to Amica even if I file my claim through the responsible party's carrier?

Yes. You should always call Amica in case our assistance is needed down the road. Reporting the loss assures prompt handling of the claim and avoids possible problems in the future, should you be held liable for the claim.