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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Sources:
I just had an appalling experience trying to cancel my Mom's AAA insurance after she developed dementia and stopped driving. They threw up every barrier to what should have been a simple process, and even refused to accept my Power of Attorney documents electronically. The representative was extremely rude and copped an attitude. I think they refuse to close accounts so they can keep fraudulently charging non-driving seniors. This is a crooked company, and nobody should do business with them.
On May 10, 2023, I was involved in an accident with one of USAA's clients. Everything proceeded smoothly until they decided to give me the runaround in repairing my car or compensating me for its worth. The adjuster was nowhere to be found, and it took me a couple of months to receive any response from them. They informed me that my car was a total loss and provided a specific amount they were willing to pay for it via email, stating that I could dispute it if I could find a car in the same category with the same mileage within a 100-mile radius. Unfortunately, I couldn't find an exact match, but I did find a vehicle that was one year older and one year newer, so I disputed the price they were offering. They assured me they would get back to me in a couple of weeks, but I never heard from them again. Frustrated, I took the step of filing a complaint against them with the Texas Department of Insurance and the Office of the Attorney General. However, I received no assistance beyond the insurance company responding to me and denying my dispute without providing any tangible reasoning. This was after three months of back-and-forth since my car accident, with no access to a replacement vehicle or rental car. Now, it has been five months, and they are attempting to push the responsibility onto my own insurance. These actions indicate that these individuals are playing games with people's lives, and there seems to be no one holding them accountable. It is disheartening to realize that we live in a country that is supposed to protect average citizens from being taken advantage of by large companies like USAA, but this has proven to be far from the truth. I have lost trust in the entire system, and I am determined to stop paying insurance premiums to these corporate entities that seem only interested in taking our hard-earned money every day, without delivering the support they promise.
I was shopping for auto insurance on 11th September 2023. Liberty took$8614 out of my bank that same night without my permission. And now they will not return my hard earned money. Every time I call ,they give me sorry excuses. And now they tell me that ,yes we took your money by fraud. Go write your congressman. But we'll give it back to you in 15 days. Meanwhile my bills are piling. Liberty Mutual stole my money. Please avoid Liberty Mutual at every cost.
I have dealt with many auto insurance companies in my life time but none as deceitful as AAA!! I signed up with a AAA insurance agent back in March. The premium I was would be $138/month-(all good). The agent told me I had to pay 4 months in advance so I gave my credit card to pay for the 4 months including the current month. One month later I received my monthly invoice for payment. The amount due had jumped from $138 (monthly) to $276. I called AAA and they said this was because of an accident that occurred 5 months prior where the other driver was at fault, though the case was still had yet to be closed. AAA would not accept the quoted premium of $138/month. So I shopped for a new insurance policy. A division of Farmers Insurance (Toggle) sold me their auto policy which was superior to AAA at $118/month with only $500 deductible. I canceled AAA and jumped onto the Farmers policy. I contacted AAA to cancel the policy and requested the 3 months paid in advance be reimbursed to me. I was told that I would not be reimbursed and in fact I was still responsible for the premium payment of $276 - that this payment would not be forgiven. I have since filed a claim with the BBB (Better Business Bureau) and if this fails I will take AAA to small claims court. Prior to this experience I respected the AAA name. I've learned that this company is simply TOO BIG and feel they can take advantage of their customers at will. I have since canceled EVERYTHING AAA (roadside service and an insurance policy). This big business corporation is NOT TO BE TRUSTED!!!!
Total scam. Beware. They use drive easy app to bat and switch.
Not all those who wander are lost.
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