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.
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.
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.
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.
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.
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.
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.
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.