Car Insurance Coverage
Understand your coverage options+
Nice to Have
Your safety and protection
If you’re hurt in a car accident, this may help pay for certain expenses for you and your passengers.
This can cover:
- Necessary medical bills
- Funeral expenses
Need to Have
Protection for you and your passengers
This no-fault coverage pays for medical expenses and lost wages if you or your passengers are injured in an accident.
This can cover:
- Necessary medical bills
- Lost wages
- Funeral expenses
- Loss of services
Need to Have
The safety and protection of others
Pays for injuries to others when you’re responsible for an accident.
This can cover:
- Necessary medical bills
- Pain and suffering
- Lost wages
- Funeral expenses
Need to Have
Property protection for others
On your policy as: Property Damage*
Pays for damage you cause to someone else’s property.
This can cover:
- Damage to vehicles
- Damage to other kinds of property, like houses, telephone poles and mailboxes
Need to Have
Injury protection from uninsured or underinsured drivers
On your policy as: Uninsured/Underinsured Motorist Bodily Injury*
Pays for your injury expenses if the driver who caused the accident is uninsured or doesn’t have enough insurance to cover your injury costs.
This can cover:
- Necessary medical bills
- Pain and suffering
- Lost wages
- Funeral expenses
Need to Have
Property protection from uninsured or underinsured drivers
On your policy as: Uninsured/Underinsured Property Damage*
Pays for damage to your vehicle if the driver who caused the accident is uninsured or doesn’t have enough insurance to cover your damages.
This can cover:
- Damage to your car
- Rental expenses, depending on your state
Nice to Have
Repairing accident damage to your vehicle
On your policy as: Collision*
Regardless of who is at fault, this pays to repair or replace your car if it’s damaged in an accident with another vehicle or object like a tree, pothole or guardrail.
This can cover:
- Accident-related repairs
- Towing due to an accident
- Vehicle replacement if your car is totaled
Nice to Have
Fixing other kinds of damage to your vehicle
On your policy as: Comprehensive* (Other than Collision)
Covers damage to your car that isn’t a result of a collision with another vehicle or object.
This can cover damage from:
- Fire
- Hail, hurricanes and fallen trees
- Natural disasters, like earthquakes and floods
- Theft and vandalism
- Rocks kicked up by other cars
- Accidents involving birds or animals
- Towing due to an accident
Nice to Have
Covering the gap in your auto loan
On your policy as: Auto/Loan Lease Coverage**
If your car is totaled, this pays the difference between the current value of your vehicle and the amount you still owe on your loan or lease.
This can cover:
- The difference between the value of your vehicle and what you still owe in financing
Nice to Have
Repairing or replacing auto glass
Covers repair or replacement to your windshield, windows and other auto glass, without a deductible.
This can cover:
- Repairs of small chips or cracks
- Full glass replacement
- Recalibrating of vehicle sensors
Nice to Have
Helping you on the road
On your policy as: Roadside Assistance* (Towing and Labor coverage)
24/7 Roadside Assistance can get you going again.
This can cover:
- Towing, including those that aren't accident-related
- Changing flat tires
- Jump-starting dead batteries
- Delivering gas if you run out
- Getting your car out if it’s stuck in mud or snow
- Unlocking car doors if you’re locked out
Nice to Have
Driving while your car is being repaired
On your policy as: Rental Reimbursement* (Loss of Use or Transportation Expenses)
Pays for transportation costs if your car can’t be driven after an accident or is in the shop for covered repairs.
This can cover:
- Rental cars
- Ridesharing
- Other transportation, like taxis, trains and buses
Coverage for Ridesharing and Delivery Driving
Depending on your state, Amica offers optional coverage that provides extended protection for participation in a passenger transportation network (such as Uber or Lyft). Where applicable, Amica also offers optional coverage for passenger transport (Uber, Lyft) as well as product delivery (DoorDash, GrubHub, newspaper delivery, etc.). Because the standard auto policy has limitations on these activities, if you or anyone in your household takes part in driving for a ridesharing company, please contact us to discuss your situation to ensure you’re best covered.
Best to Have
Platinum Choice® Auto
On your policy as: Platinum Choice Auto
Get our premium coverage in one convenient package. It includes:
- Glass repair or replacement, without a deductible
- Credit monitoring service
- New car replacement coverage that replaces your totaled new car with a new one. To qualify, your car must be under one year old and have fewer than 15,000 miles.
- Prestige rental coverage with no daily limit and a $5,000 maximum that lets you rent a car similar to the one you own after it’s been damaged in a covered accident
You can also add any of these individual coverages to an auto insurance policy without owning the Platinum Choice Auto® package.
Get an Auto Quote
+The availability, requirements and minimum limits of select auto coverages may vary by state.
* Specific auto coverage names displayed on your actual policy might vary.
** Gap coverage must be added to your policy within 30 days of your loaned or leased car purchase and is only available if car has both collision and comprehensive coverages. Specific coverage name displayed on your actual policy might vary.