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Auto Insurance Claim FAQs

Important information:
  • Names and addresses of those involved, including witnesses and anyone injured
  • Location of the accident
  • License plate number and vehicle make/model/year 

This information isn’t required to file a claim, but it’s best to include as many details as possible. 

Take a moment to review the Auto Accident Checklist for further information.

Yes. We recommend you file a police report for any loss, but it’s required for certain losses as outlined in your policy. These include theft and injury claims. You can still file a claim before the police report is available to you.

Several steps are taken by your claim handler to complete an investigation. These may include:

  • Determining the cause of the loss
  • Estimating the amount of damage
  • Confirming whether policy coverage applies

Sometimes additional steps are taken, depending on the nature and complexity of the claim. These may include determining liability, handling subrogation and reviewing supplements.

We will fully investigate the facts of the claim to determine liability. Our investigation may include taking statements, reviewing photos, viewing the accident scene, speaking with witnesses and reviewing state driving laws.

Yes. You should always contact Amica in case you need assistance. Reporting the loss ensures prompt handling of the claim and avoids possible problems in the future if you are held liable for the claim. 

Simply reporting a claim will not increase your rates.

There are some claims that will have no impact on your rates. This depends on the circumstances of each specific claim. For a claim that may affect your rates, there are many factors considered when evaluating insurance rates after you’ve had an at-fault loss. One of the main factors is the total amount paid out on the claim. This is something that can’t be determined until the claim is completed and all applicable payments have been issued.

Any potential increase in rates will occur when the policy is renewed. We’ll send you your new rate 30 days before your policy renews.

If you receive a summons and complaint or other time-sensitive documentation regarding a covered loss, please contact Amica immediately for further assistance. 

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