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COVID-19 Auto Premium Relief Program FAQs

Amica announced on April 9, 2020, that every Amica customer that had an automobile insured with us as of April 1, 2020, will receive a 20% credit on their auto premiums for April and May, pending regulatory approval.

This precedes, and is in addition to, the new Amica COVID-19 Auto Refund Program.

  • This premium credit applies to automobile, motorcycle, RV and trailer policies.
  • Customers must have had their auto, motorcycle, RV and/or trailer policies with us as of April 1, 2020. They must also remain insured with us on the dates the credits are issued. Customers that purchased auto policies after April 1, 2020, do not qualify to receive the credit.

  • There is nothing our customers need to do to receive the premium credit.

The credit will be issued in two installments, one in May and one in June.

This is an unprecedented time when people across the country are driving less than before. This has resulted in a reduction in auto claims. We’re providing this credit to account for that change.

  • Twelve-month policies: First, we’ll determine the average daily premium for your policy period taking into consideration any premium changes. This average daily amount is multiplied by the number of days your policy was in effect that month. This total is multiplied by 20% to determine the credit amount. For example:
    • Let’s say your annual premium is $2,400.
    • $2,400 is divided by 366 days (assuming your policy included February 29 as 2020 is a leap year) to arrive at your average daily premium of $6.56.
    • If your policy was in effect for the entire month of April we’d multiply $6.56 by 30 to get $196.80. 
    • $196.80 is multiplied by 20% to determine your credit amount of $39.36.
  • Six-month policies: First, we’ll determine the average daily premium for your policy period taking into consideration any premium changes. This average daily amount is multiplied by the number of days your policy was in effect that month. This total is multiplied by 20% to determine the credit amount. For example:
    • Let’s say your six-month premium is $1,200.
    • $1,200 is divided by 183 days (six months and assuming your policy included February 29 as 2020 is a leap year) to arrive at your average daily premium of $6.56.
    • If your policy was in effect for the entire month of April we’d multiply $6.56 by 30 to get $196.80. 
    • $196.80 is multiplied by 20% to determine your credit amount of $39.36.  
  • For customers who have a balance on their policy, a credit will be applied to the balance owed, once in May and once in June.
  • Customers who have paid their policy premium in full, or who aren’t scheduled to receive a bill in either May or June, will receive a refund check equal to the premium credit.
  • Customers who have a balance owed on their policy that is less than the credit, or who aren’t scheduled to receive a bill in either May or June, will receive a refund check for the remainder.
  • Customers on AutoPay through Amica do not need to take any action. The credit will be applied to reduce your bill.
  • Receiving your credit/check: For customers receiving checks, we kindly ask for your patience, as May checks were mailed between May 6 and May 16, and June checks are being mailed between June 4 and June 15. If you haven’t received your May check by May 27, or your June check by June 25, please contact us.

Premium relief credits are being issued in May and June, and will show on bills issued in those months. Keep in mind that the bill’s issue date is different than the due date. For example, if you receive a bill in late April that is due in May, that is your April bill and it will not show a credit. In this case, the first premium relief credit will show in the bill issued in late May.

No, this credit will not affect the amount of the dividend you receive at the end of the policy period.

Your credit is 20% of your average daily premium throughout the whole policy period, inclusive of any changes, multiplied by the number of days your policy was in effect in the month.