Want to know more about the Amica Auto Insurance company? Are you looking for an auto insurance and you think that they could be the one? Amica is an American insurance company that sells automobile, home, marine, personal, and life insurances since 1907. AMICA stands for Automobile Mutual Insurance Company of America and it was founded by a certain A. T. Vigneron in Providence, Rhode Island. They offered auto, theft, and fire insurance. AMICA is called as a MUTUAL company because it wasn’t only the shareholders or stockholders who owned it but it was owned by the policyholders as well. By 1941, AMICA opened it’s branch in Boston, Massachusetts.


What is being offered at AMICA? When you apply at Amica, you will be able to avail of their standard coverage which consists of bodily injury liability, property damage liability, medical payments or no fault or personal injury protection ( the name of this coverage depends on which state you are at ), collision, comprehensive, and lastly Uninsured or underinsured motorist.  Let us discuss each one!


BODILY INJURY LIABILITY – When you encounter this term in an insurance policy, keep in mind that this refers to the coverage you will receive in case you get into an accident in which another person or people are hurt. You will be covered from the damages that you are originally legally responsible for, and it also provides a legal defense if someone will sue you for damages. Next, PROPERTY DAMAGE LIABILITY refers to the cost of damages to someone else’s property after an accident that you caused. For example, you didn’t step on the brakes on time so you crash into someone’s fence or someone’s car. MEDICAL PAYMENTS coverage is the part of the coverage which will help you in paying for the medical or funeral expenses after an accident. Usually it doesn’t matter whose fault it is. In most cases this is optional.


COLLISION is a type of insurance coverage that will reimburse the insured for any damage that is sustained to their personal automobile that is due to the fault of the insured driver. COMPREHENSIVE coverage is responsible for paying certain repairs that aren’t related to collision like a theft, or something cause by natural forces like a hurricane or an earthquake. And finally, the UNINSURED, this will be responsible for backing you up in case you get into an accident with someone without an insurance policy.


You will also be able to add a little more to just the standard coverage if you want to. You can choose between four optional choices. (1) PLATINUM CHOICE AUTO this is great for policyholders who pay an extra premium. This will allow you to earn advantage points that can be used to waive an accident surcharge or reduce your deductible. (2) ROADSIDE ASSISTANCE, this is great for members who have paid for towing and labor coverage on their policy. (3) RENTAL REIMBURSEMENT, this is great for platinum choice auto members at no cost. There is no daily limit and you can get up to 5,000 US DOLLARS towards an individual loss. And lastly, we have the (4) GLASS COVERAGE for platinum choice auto member with no extra cost as well.


AMICA covers all the states in the country, so it doesn’t matter which state you live in because for sure you will be able to avail of an auto insurance from AMICA. You can also reach them online if you want a free online quote just to see how much you will have to pay. Don’t worry, you won’t need to commit to it if you don’t want to after. Think of it as a sneak peak. You will need to head over to their website and fill out a form so that they will be able to create the unique insurance policy that you need.



Here at best insurance deals, we will be giving you information about different insurance companies to help you decide if a company is truly the best one for you. Hopefully, you will find the insurance company for you! Have a great day!

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