Claims Frequent Questions

Auto Insurance Claims

Auto and Glass Repair

How and when do I get my vehicle repaired?

If the damage to your vehicle is minor, we will ask you to obtain one appraisal and forward that to us for review. If the damage is more severe, we will assign an appraiser to inspect your vehicle. That appraiser will seek to reach an agreed repair price, and send a copy of the appraisal to you and the body shop of your choice. You also have the option of choosing an auto body shop from our Auto Repair Assistance Program who will appraise your vehicle, coordinate the repairs and provide a rental vehicle.

What if more damage is found after the shop starts repairs?

The shop calls the appraiser, who will re–inspect your vehicle. If additional related damage is found, a supplemental appraisal will be written, and we will issue an additional payment to you or directly to your body shop if you so choose. However, if you have chosen one of our Repair Assistance Program shops to perform the repairs, the shop will complete all repairs and payment will be issued directly to the shop.

What if I'm not satisfied with repairs to my vehicle?

If you are not satisfied with repairs completed by an Amica Repair Assistance Program (RAP) facility, we ask that you contact us immediately and we will ensure that the repairs are completed to your satisfaction. Amica does not guarantee the work of an auto body shop that is not part of our RAP program; therefore you will need to contact your auto body shop directly.

How does Amica determine my vehicle to be a total loss?

The method used to determine a total loss varies by state. Generally the method involves assessing the vehicles damages in relation to the actual cash value (ACV) of the vehicle.

What happens if my vehicle is totaled?

If your vehicle is determined to be a total loss, your file handler will determine the vehicle's fair market value using methods approved by your state and payment will be made, less any applicable deductible.

What should I do if my auto windshield needs to be repaired or replaced?

If you carry comprehensive (also known as other than collision) coverage on your vehicle, please contact Amica for assistance at 800–242–6422. If your windshield can be repaired, any applicable deductible will be waived. If replacement is necessary, the deductible you selected will apply. Glass coverage may vary state by state.

Vehicle Repair Shops

How do I choose a repair shop?

You can always choose your own repair shop. If you need help finding one in your area, we can provide recommendations. Amica's Auto Repair Assistance Program includes more than 1200 certified repair shops across the country that warranty claims-related repair work for as long as you own your car. Find a participating auto repair shop near you, or call an Amica representative at 800–242–6422 to learn more.