Posts Tagged ‘amica’
Website - https://www.Amica.com
Located – Lincoln, RI
Phone – 1-800-242-6422
Employees – 3,200
Revenue (mil.) – $1,485
Description – Amica will amicably serve your insurance needs. The company provides a variety of personal insurance products, including auto, home, and life policies. Amica sells its policies directly to customers through some 40 offices throughout the US. The oldest mutual automobile insurance company in the US, it traces its roots back to 1907 (when fire coverage was a car owner’s most important need due to the danger of exploding gas tanks). Amica, the company’s current incarnation, was formed in 1973 when Automobile Mutual Insurance Company of America combined with Factory Mutual Liability Insurance Company of America.
Reviews & Ratings
thom413′s Full Review of Amica Mutual Home Insurance Company
My parents had Amica Insurance for many years as a result of their top rating in Consumer Reports. During that time, we had one or two minor claims – a car accident destroyed a hedge on our property, and Dad skidded into the garage door one icy evening. Both of those claims were paid promptly, with no fuss. Also, the company pays a dividend at the end of the policy year which can reduce your premium, and offers discounts for alarms and other protective devices. The service was always professional and good.
The ultimate test of an insurance company’s integrity and customer service is a total loss, and that’s just what we experienced. I’m happy to report that they met or exceeded all our expectations, with a few minor bumps along the way. In February 1996, I awoke to discover that our den was in flames. Our house was a split level, and the den was directly beneath the bedrooms where we were sleeping. I woke everyone up and we escaped uninjured, but the house was destroyed. Like most house fires, the structural damage was confined to one room, but the smoke and water damage affected every room, and the house had to be gutted and rebuilt. Here’s how the claim went:
1) A courteous, wonderful adjuster was dispatched to the scene the next day, with a check for about $5000.00 to cover any immediate expenses. He outlined the separate areas of coverage – additional living expenses “ALE”, which covers your rental home costs, structure expense, and contents expense. We had (thank God)chosen replacement cost coverage for both of these, which costs a bit more, but allows you to replace things without having to factor in depreciation.
2) We moved from my sister’s home to a hotel, then on on to a rental house. Administrative glitches meant that we sometimes had to advance the rent from our own funds, but for the most part, this aspect went ok.
3) The adjuster assigned to the contents portion of the claim was rude, nasty and unprofessional. He implied several times that we viewed this a money making opportunity. Also, he attempted several times to avoid using brand names in his reports, which would have reduced the payout if we allowed it to stand. His actions delayed settlement significantly, keeping us out of our home for a long time.
4) We ended up retaining a public adjuster to settle the claim. A public adjuster takes a percentage of the total payout and negotiates on your behalf with the insurance company. We also sent a letter to the CEO in Rhode Island detailing our concerns. These two actions moved things along right away, and once the construction began and our furniture was restored, we moved back in rather quickly.
I don’t wish a house fire on anyone. But if you are going to have one, make sure you have a company that will pay your valid claim. Expect resistance from even the most reputable company, but in the face of valid claims under the contract, Amica did what was right.
darwink’s Full Review of Amica Mutual Home Insurance Company
We’ve had several home insurers in the past 20 years, due to moving, broker changes, and even one alleged-decent insurer going bust (!).
We found Amica by accident a few years back, since it doesn’t do heavy advertising. Many consumer-type sites gave it top ratings for auto and home coverage, and it got a string of JD Power awards. So we figured “what the heck,” went to its site, and got some quotes.
The quotes were _far_ lower, for better coverage, than those of other (and better-known, but far lower-rated) insurers. Amica’s reps were super-pleasant and savvy, and they weren’t just sales-robots — they _clearly_ knew the business. The policy info was understandable, coverage was easily tailored, and reps have been customer-friendly and responsive. We’ve been beyond pleased (and Amica still gets top auto-home ratings on those consumer sites).
As for some complaints here re: qualifying for coverage:
- Amica’s a sound company, or we wouldn’t have signed on … esp after one of our previous insurers went “pffft” on short notice.
- Most insurers _do_ exclude specific dog breeds from coverage. However unfair it seems, it’s based on risk stats: All dogs can bite, but some breeds are more likely to do very serious damage via that bite. (In fact, some _countries_ ban or seriously restrict these breeds.)
I love dogs, but insurers can’t (a) cut slack for breeds based on a particular dog’s track record or age, or (b) just charge higher premiums (as for drivers or businesses in high-risk groups). Even a first-ever bite from a geriatric high-risk dog can do serious damage; and we can’t control our dogs’ every move 24/7. And dogs don’t weigh consequences — it’s not like “If I bite the mailman, I’ll lose my driver’s license and my job, and-or my premiums will go sky-high.”
dabergheim’s Full Review of Amica Mutual Home Insurance Company
Our San Diego home (Rancho Bernardo) burned down in the Witch Creek fire, and Amica was there for us. We were lucky in that we were renters, not homeowners, and so we are not having to go through the nightmare of having to rebuild, but still, Amica has done right by us on our renters policy and we will be customers for life. Here’s why…
We first confirmed that our house burned down at 8:00 a.m. the morning after the fires struck. Our first call was to Amica, and without any independent verification that the house had burned down – just our word – they got us a debit card with $5,000 on it to help us with immediate expenses (the card was in our hands within three hours). The next day they called us and told us that they had put another $10,000 on the card to help us out until the claim could be settled.
Amica assigned an independent adjuster to work with us on our claim. In our first conversation, the adjuster told us “you don’t know how lucky you are to have Amica.” He said that he works with 30 insurance companies, and that there are only two — Amica and Chubb — that treat their customers right in situations like ours. Amica was in frequent touch with the adjuster throughout the process, and the adjuster said they were encouraging him to move quickly so that they could get us our money and settle the claim.
As I write this, five weeks after the fire, I can report that Amica settled our claim for the full amount of our coverage, and we received the final check in the mail the day after the called to notify us that everything was complete.
I have had coverage with Amica (home and auto) for more than 20 years. In that time I have had two burglaries, a dented car door (someone backed into the car and then drove away), some cracked windshields, and now this whopper of a claim. Each time, Amica’s claims service surpassed my expectations. My extended family also has Amica (I learned about them from my father, who has been a policy holder for 50 years), and everyone has similar stories to tell of outstanding claims service.
I am a customer for life.
Website - http://www.amica.com
Located – Lincoln, RI
Phone - 1-800-242-6422
Employees – 3,000
Revenue (mil.) – $1,383.6
Description- Amica will amicably serve your insurance needs. The company provides a variety of personal insurance products, including auto, home, and life policies. Amica sells its policies directly to customers through some 40 offices throughout the US. The oldest mutual automobile insurance company in the US, it traces its roots back to 1907 (when fire coverage was a car owner’s most important need due to the danger of exploding gas tanks). Amica, the company’s current incarnation, was formed in 1973 when Automobile Mutual Insurance Company of America combined with Factory Mutual Liability Insurance Company of America.
Reviews & Ratings
doodles10’s Full Review of Amica Automobile Insurance Group
I am not one to write raving reviews, I’m rarely ever pleased with a company much less their customer service.
Amica however is the exception to my negative outlook. I have unfortunately had to file several claims with them over the last 20 years and not once…NEVER have I had anything but excellent service from start to finish.
Amica has also gone to bat for me on several occasions when I felt I was being unfairly treated by another insurance carrier who insured a driver that was responsible for causing damage to my car and once, my home.
They have far exceeded my expectations. My one complaint with AMICA is I can’t complain about them.
mjkski’s Full Review of Amica Automobile Insurance Group
I was a loyal 20 year client of Allstate. Then I moved to the Great West and was shocked when Allstate raised my rates about $1200 per year. Wow! Anyway- I checked with Amica and they are now saving me about $650 per year from what Allstate quoted. Fortunately, I can’t say much about their claims- but from everything I read they are the best. Plus they gave me a discount for my Lo Jack unlike Allstate who doesn’t seem to care if my truck would be recovered. I could never understand how a quick recovery of the insured vehicle does not benefit them- Oh well. I guess I will now give Amica my homeowners. They seem to appreciate my business more.
gtnaustin’s Full Review of Amica Automobile Insurance Group
I’ve had Amica for both my car and house for about 3.5 years now. I found Amica on the Texas Department of Insurance web site. I’d never heard of them before that time. When I switched to Amica my car insurance was with Allstate. I had a new house built and Allstate would not insure my house (I didn’t meet their credit worthiness even thought I could have a house built) so I started looking around.
I ended up with Amica who was HANDS DOWN the least expensive car insurance in the state. Over the past 3 years I’ve comparison shopped from time to time and Amica is still usually 400 – 500 less a year for identical coverages.
I’m also a notorious car shopper being on my 5th car in 5 years. Amica customer service is WONDERFUL about giving my rates on potential vehicles and handling the switches.
I’ve only good things to say about Amica.