Is Amica Mutual A Good Insurance Company?
To answer shorly, yes, Amica Mutual Insurance is an excellent insurance company!
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Amica Mutual Insurance Company may not be the country’s largest insurer, it’s actually the country’s oldest insurer as far as auto insurance is concerned. In fact, Amica Mutual first started their business selling automobile insurance in 1907 , several decades before the majority of the general public owned cars!
When most people think of auto insurance, they tend to first think of the usual “Big Insurers,” such as:
While these insurers are huge publicly traded organizations and provide almost every type of insurance imaginable, from home insurance to marine insurance , they, unfortunately, have their drawbacks. The biggest disadvantage of working with these large conglomerates is that they often fail when it comes to one-on-one conversations.
When working with Amica Mutual Insurance, you’re more likely to get that “small business hospitality” that you’re used to getting when you pop into your neighborhood diner for a coffee and breakfast. It just feels better knowing that you’re in the hands of people who actually care about you.
If you are considering switching your insurance to Amica Mutual or you’ve been wondering about Amica Mutual benefits that you can take advantage of, then this article has you covered! Below we’ll give you a complete breakdown of some of Amica Mutual Insurance’s most popular options and benefits.
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Suppose you just look at the surface value of Amica Mutual’s auto insurance policies. In that case, you’ll probably find that they aren’t all that different from many of the other auto insurance policies that you may have had in the past. Whether you’re insuring a cheap car or a luxury sports car , Amica Mutual has a policy for you! They offer all of the basic coverages, including:
Basic liability
Comprehensive
Personal injury protection
Collision
Theft
And full coverage policies as well!
However, if you take the time to read through the fine print of your agreement you’ll also find numerous other benefits that truly make Amica Mutual Insurance a one-of-a-kind company! Let’s take a look.
No matter which Amica Mutual Insurance policy that you end up signing up for, you’ll receive free airbag repairs anytime that your airbags deploy. While airbags are designed to deploy only in the event of an impact with another car, motorcycle, or another solid object, some cars have been known to have faulty airbag systems that can randomly deploy (even if you’re not in immediate danger).
Even if you’re an obsessive-compulsive type-A, let’s face it, keep up with everything type of person, even you might accidentally lose your keys. It might not even be your fault! Perhaps you drop them down a drain, or somebody steals them while you’re eating out at a restaurant. However, whatever the case is, you can rest easy knowing that your Amica Mutual Insurance policy will cover all costs related to replacing the locks on your car and providing you with a new set of keys.
Don’t you hate it when a rock flies out of the grooves on an 18-wheeler’s tire and smashes right into your windshield, giving you a gnarly impact crater? If you were to call up a traditional auto glass repair shop, you’d likely pay anywhere from $75 to $100 to get the crack filled and sealed so that it didn’t expand and ruin your windshield forever.
However, if you’re an Amica Mutual Insurance policyholder, then they’ll cover all of the costs of repairing your broken or damaged auto glass. If you need your full windshield replaced altogether, they’ll still cover it, but you may need to have a comprehensive auto insurance policy with them.
While most of us try to be good drivers, sometimes we get caught up in the moment, end up racing down the street, speeding home from work, or even get a bit of old-fashioned road rage, specifically if you're a teen or new driver. If you end up in jail due to your driving shenanigans, then Amica Mutual Insurance will pay up to $1,000 towards your bail bonds! This makes them the only auto insurer in America that helps its policyholders out with jail.
In addition to paying a portion of your jail bail bonds, Amica Mutual Insurance will also compensate you if you’re required to show up in a courtroom, whether the accident was your fault or not. If you have to call out of work or miss an important event, then Amica Mutual will mail you a check right to your front door!
In addition to its high-quality auto insurance policies, Amica Mutual Insurance Company also provides insurance for homeowners. Aside from the general coverages provided by most homeowner’s insurance policies, here are some of the unique Amica Mutual Insurance benefits that you can take advantage of as a policyholder.
Most homeowner’s insurance policies cover all of the basic accidents that can happen, such as dryer fires, stove fires, burst pipes, or exploding water heaters. However, very few insurers cover catastrophic events unless you pay for them separately. By default, all homeowner’s insurance policies offered by Amica Mutual include coverage for catastrophes such as earthquakes, floods, blizzards, and tornados.
If the damage to your home is going to be something that takes a considerable amount of time to repair, then Amica Mutual Insurance will pay for you to stay somewhere else! Whether you have to rent lodging from a family member, stay in a hotel, or rent another house on Air BnB or VRBO, Amica Mutual will make sure that all of your costs are covered up to a reasonable amount.
Here are 2 of the top reasons why more people are starting to sign up for Amica Mutual Insurance Company.
While big-name brands are certainly more popular because more people have heard of them, you’re also going to pay more money in premium fees thanks to the company’s multi-million-dollar advertising budget. Working with a smaller insurer like Amica Mutual ensures that you won’t have to spend so much on monthly insurance premiums, no matter whether you purchase home insurance, auto insurance, or bundle auto and home insurance policies together to save more money on your car insurance!
As we mentioned above, the level of customer service that you’ll get working with a smaller insurer far exceeds the level of coverage that you could expect from a large multi-national conglomerate. That means shorter wait times on the phone, more personal service, and professionalism that’s taken to a higher degree.
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I just noticed the Geico Mobile app deducts points from their customer if someone tailgates you, it deducts points from the customer. If you driving on a Main Rd, and someone is getting ready to run a stop sign, and you have to stop even though you have the right of way, the Geico Mibile App detects this, like a car was in front of you. So the Mobile App needs some improvements. When I drive. My ex-husband always tells me, I'm too far away from cars, and I need to get closer, Geico Mobile App has detected me, Like I'm close on cars, and a lot of times, I think the app is detected the cars in back of you, are surrounding you. But not necessarily you while you are driving, the app needs to improve in being able to distinguish the difference in your car from what another car behind you is doing. Because I get tailgated a lot when driving, the mobile app detected this as it was my fought.
I have Progressive and was Rear ended by a guy that also had Progressive Insurance His Fault In Minnesota took over 4 months to be contacted for est then they send me a check no explanation of why they didn't cover mechanical repairs caused by accident and decided $60 hr for auto body labor -I charge $120 hr I restore Classic cars - lost my business
I been a loyal customer of Geico for 30 years. On Christmas Day 2021, I was stopping at a red light to make a left turn. I was stopped next to a police car, when an elderly driver approaching from the opposite direction crossed several lanes and hit me head on. It was purely the elderly lady’s fault. A few days later, the Geico adjuster gave my car a cursory look over, and estimated the hangar to be $6500. All body shops were booked until February, so my car was towed to my house so it wouldn’t incur additional storage fees. On the 3rd week following the accident, I contacted the body shop of my choice, who sent a tow truck to pick up my car, at which time the tow truck driver noticed that as a cause of the accident, the driveshaft was pushed into the engine and made a huge hole in the engine. At that point I notified my Geico claims adjuster, who, a couple days later, went down and wrote a supplemental report totaling my car, (this was on a Thursday). He indicated it would take 3days before they would issue a check. I contacted him on The following Monday, when he indicated he should have the check on Wednesday, and would hand deliver it to me. Wednesday came, and after 4 phone calls and a few texts, I never received a check, and he and his boss stopped returning my calls. All other parties, the body shop, storage facility, etc. received payment, I have not! They say they care, and want to provide great service, but the do not live up to their word. I’ve been without a car now for 33 days. I purchased one, but can’t take delivery till I receive the check from Geico. The adjuster has also been aware of this. Geico, our adjuster, and his manager do not appear to have have a sense of urgency. Being loyal customer for 30 years appears to not make a difference. I’m planning on insuring my Vehicles, including my RV with a company who has my back!!!!!
I was a loyal GEICO customer for 15 years, with a pristine unblemished driving history and high coverage levels [and had never filed a previous claim]. I recently had a minor fender bender that was deemed by GEICO Claims to be '100% my fault.' Shortly thereafter, I received a form follow-up letter from GEICO stating that, for that reason, GEICO would not pay for damage repairs to my vehicle. A shocker to me. Does an insurance policy with these terms really represent meaningful protection? Thank G-d that it was a minor accident. I now do business with a carrier that has my back. BUYER BEWARE! It was definitely an eye opener for me. An elderly 86 y.o. male driver, with minimal situational awareness swerves abruptly into my lane, dragging his driver side panel against my front passenger side bumper. No witnesses, other than this unintelligible elderly male driver, his wife and a police officer that showed up on the scene twenty minutes later to record statements. The icing on the cake --- The 'final' verdict was rendered by Claims Adjuster #2, that contacted me several weeks after I was informed by Claims Adjuster #2, that the case was closed, and that the fault was clearly that of the elderly gentleman, and that they would be receiving no claims monies [Again, a complete absence of anything resembling 'no-fault coverage' on either side].
We had Allstate roadside assistance through their SUV insurance coverage and were always delighted by their fair service and treatment.