Amica Mutual Insurance Company

Category: Insurance company

Address: 2300 Cabot Dr STE 200, Lisle, IL 60532, USA

Phone: +18886126422

Opening hours

Sunday: Closed

Monday: 8AM–5PM

Tuesday: 8AM–5PM

Wednesday: 8AM–5PM

Thursday: 8AM–5PM

Friday: 8AM–5PM

Saturday: Closed

Reviews

Kent Larsen

Jan 1, 2022

Very very pleased with their service and attention.

Prell Madlock

Sep 24, 2021

Great work

Big K

Jul 28, 2021

Received a correspdence in the mail from Amica stating that only 5% of drivers in my state qualify for their special offer. So I called and went through the estimating process which took about 20 minutes. Their offer was twice the amount that my wife and I pay currently for our 2 cars. Since I was in the top 5% of quality customers, I hate the see the rates the bottom 95% would pay for Amica insurance. I just wasted 20 minutes of my life dealing with this company. Don't waste your time like I did.

Anthony A.

Feb 18, 2021

Way too expensive. I'll admit I didn't have the greatest driving record for a while, but I've had no accidents or even tickets in the last 5+ years. I currently pay $51 a month for a barebones policy with Esurance. I plan to buy a new car soon so I've started shopping around. I got a quote from Amica and their BASIC quote came to $209 a MONTH, literally more than quadruple what I pay now. That adds up to over $2500 a year! The more expensive Standard and Recommended options cost even more, a laughable $236 and $276 a month respectively. Even knocking it down to absolute minimum coverage with no other options whatsover only brought it down to $174 a month, more than triple what I pay now. For comparison, MetLife quoted me $55 a month for an almost fully loaded policy with everything short of collision coverage. How does this company stay in business with such absurd prices?

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Questions & Answers

How am I covered if my car is damaged by hail?

Amica Mutual Insurance Company | Oct 17, 2021
Amica Mutual Insurance Company | Oct 17, 2021

This damage would be covered by your other than collision (comprehensive) coverage.

How am I covered if I hit storm debris in the road while driving?

Amica Mutual Insurance Company | Oct 17, 2021
Amica Mutual Insurance Company | Oct 17, 2021

This damage would be covered by your collision coverage.

How am I covered if a tree or debris falls on my car?

Amica Mutual Insurance Company | Oct 17, 2021
Amica Mutual Insurance Company | Oct 17, 2021

This damage would be covered by your other than collision (comprehensive) coverage.

How am I covered if my car is damaged by a flood?

Amica Mutual Insurance Company | Oct 17, 2021
Amica Mutual Insurance Company | Oct 17, 2021

This damage would be covered by your other than collision (comprehensive) coverage.

What if I need my rental car for longer than expected?

Amica Mutual Insurance Company | Oct 17, 2021
Amica Mutual Insurance Company | Oct 17, 2021

Your policy has specific limits for rental reimbursement coverage. If you need to extend your rental period, you may be responsible for additional costs. If you are not at fault, you may be able to recover the additional expense from the at-fault party.

Do I need to purchase a rental damage waiver?

Amica Mutual Insurance Company | Oct 17, 2021
Amica Mutual Insurance Company | Oct 17, 2021

The purchase of a damage waiver, or additional insurance, is not covered under rental reimbursement coverage on your auto policy. It only waives your deductible. However, it is your choice whether or not to purchase this coverage from the rental agency.

How much rental coverage do I have?

Amica Mutual Insurance Company | Oct 17, 2021
Amica Mutual Insurance Company | Oct 17, 2021

Most policies have a $20 per day limit, up to $600 total, included in the collision and other than collision coverage. You may also purchase higher rental limits.

Do I need to purchase the rental company's insurance on the rental car?

Amica Mutual Insurance Company | Oct 17, 2021
Amica Mutual Insurance Company | Oct 17, 2021

Your Amica auto policy extends the same coverage limits to a rental car, but in some cases you may need more coverage. There may be certain benefits to purchasing additional insurance, but please note that this may result in out-of-pocket expenses. Coverage for rental cars applies in U.S. territories only.

Does my auto policy cover property stolen from my car?

Amica Mutual Insurance Company | Oct 17, 2021
Amica Mutual Insurance Company | Oct 17, 2021

If the stolen items are permanently installed in the car and you have comprehensive (other than collision) coverage, the loss is covered under your auto policy. However, if the stolen property is something that you put in your car, such as CDs or a GPS, this is usually covered under a home policy, as part of your personal property coverage. Certain restrictions may apply.

Will my auto policy cover me if I drive someone else's car?

Amica Mutual Insurance Company | Oct 17, 2021
Amica Mutual Insurance Company | Oct 17, 2021

The general rule is that insurance follows the car. For example, if you have an accident while driving someone else's car, that person’s insurance would apply first. Your auto insurance may provide coverage if the owner of the car did not have auto insurance or didn’t have enough coverage to pay for the damages. Exclusions may apply, so it’s best to contact us to discuss the specifics of the loss and determine possible coverage.

What's the difference between collision coverage and comprehensive coverage?

Amica Mutual Insurance Company | Oct 17, 2021
Amica Mutual Insurance Company | Oct 17, 2021

Collision coverage covers physical damage to your auto caused by a collision with another car or object. Comprehensive, which is also known as other than collision, covers physical damage to your auto, including fire, theft, vandalism and broken glass.

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