Deductible FAQs

A deductible is the amount of the loss that you are responsible for. Information regarding deductible amounts can be found under the coverages section of your policy.

Your deductible will be applied if you’re filing the claim through Amica. After all payments, and if you’re not at fault, Amica will attempt to recover your payment from the at-fault person or their insurance company. If successful, we’ll reimburse you.

Depending on the cause of loss and policy type, there may be a separate deductible that applies. This includes windshield replacement, hail or wind damage to your home, and hurricane damage to your boat. You may review these separate deductibles on the Declarations page of your policy or discuss them with your claim handler.