Amica Mutual Insurance Company

Category: Insurance company in Beckett Ridge, Ohio

Address: 9277 Centre Pointe Dr #230, West Chester Township, OH 45069, USA

Phone: +18669426422

Opening hours

Sunday: Closed

Monday: 8AM–5PM

Tuesday: 8AM–5PM

Wednesday: 8AM–5PM

Thursday: 8AM–5PM

Friday: 8AM–5PM

Saturday: Closed

Reviews

Eric MacKnight

Mar 1, 2022

Customer service is terrible at the local branch. Just call after 5pm.

Garry Hurley

Jun 22, 2021

Been with them awhile ( years ) switched for advertised customer service. What a joke charge for personnel service but give none.

Larry Conner

Jul 10, 2020

I have been a customer for over 10 years with multiple policies (home, auto (2) and umbrella). I have always been happy with Amica’s products and claim handling. However after this experience I will be looking elsewhere for home and auto insurance. I recently purchased a home. Amica declined coverage without an explanation or a chance for me to respond to the concerns is unacceptable. I’m guessing it was due to a chimney issue that a home inspector incorrectly identified as “leaning” when in fact it was built that way. As I told the representative on the phone, I had two architects review it and both indicated it was not leaning but rather was constructed that way (corbelled chimney). The mortar joints were straight and not cracked which would not be the case if it was truly leaning which it is not. Had it been requested I likely could have provided documentation from the architects. However I was not even given a chance by the underwriters to do so. Was very frustrating for the underwriters to make an uninformed decision without considering other explanations and without consideration for the loyalty of the customer.

Cliff Wicks

May 22, 2020

AMICA increased my home owner's insurance premium 20% with no prior notification or explanation. When I spoke with their representatives they were unable to explain the increase other than to offer that customers in my location should expect that increase. During this time of national stress a 20% price increase seems uncalled for.

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Questions & Answers

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

Amica Mutual Insurance Company | Nov 4, 2021
Amica Mutual Insurance Company | Nov 4, 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 | Nov 4, 2021
Amica Mutual Insurance Company | Nov 4, 2021

This damage would be covered by your collision coverage.

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

Amica Mutual Insurance Company | Nov 4, 2021
Amica Mutual Insurance Company | Nov 4, 2021

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

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

Amica Mutual Insurance Company | Nov 4, 2021
Amica Mutual Insurance Company | Nov 4, 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 | Nov 4, 2021
Amica Mutual Insurance Company | Nov 4, 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 | Nov 4, 2021
Amica Mutual Insurance Company | Nov 4, 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 | Nov 4, 2021
Amica Mutual Insurance Company | Nov 4, 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 | Nov 4, 2021
Amica Mutual Insurance Company | Nov 4, 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 | Nov 4, 2021
Amica Mutual Insurance Company | Nov 4, 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 | Nov 4, 2021
Amica Mutual Insurance Company | Nov 4, 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 | Nov 4, 2021
Amica Mutual Insurance Company | Nov 4, 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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