Insurance Companies
Amica Mutual Insurance CompanyComplaints
This profile includes complaints for Amica Mutual Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 140 total complaints in the last 3 years.
- 51 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:03/31/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Amica Insurance had provided me a quote for a bundle coverage for two vehicles and rental insurance. The first quote happened early in March while the more updated occurring on March 16th where I discussed the quote with an agent (Agent License No. ********* to start the coverage. They advised they needed a letter from my previous insurance as it was slated to end at the end of the month. This was due to the policy being discontinued due to divorce. I submitted the needed letters to the agent on the following day. On the 18th of March I received another email claiming to be from the Sales lead wanting to assist more with the purchase and onboarding process. This representative, ***** J. ****** (California License Number: *******; NAIC Number: ******, advised they wanted to use Calendly to schedule the appointment, never stating that scheduling it past my coverage date would impact the cost of coverage. On March 31st, ***** J. ****** never called and I had to reach out to general sales where I was informed due to Amica's delay I would now have to be charged more, no matter at Amica or elsewhere. This truly feels like a shell game where I was advised of one process, assuming this was normal, and finding out at the end I was caught between a rock and a hard place.Business Response
Date: 04/07/2025
We are writing in reference to the complaint that you filed with the Better Business Bureau.
Thank you for bringing this matter to our attention. We apologize for any inconvenience you experienced during the quoting process and the resulting frustration. We have attempted to contact you to discuss this matter further but have not been successful thus far. We hope to connect with you to work towards a resolution.
Please feel free to contact us at your earliest convenience.Initial Complaint
Date:03/18/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
AMICA insurance has reported that was involved in an accident on 05/04/2023 and I was not involved in accident. This has affect the my insurance premium along with other insurance company Progressive. The fact on 05/26/2023 I was in route of flying to ****. I have not been involved in sort of accident. I have always had a clean driving records and claim history. I have not been involved in any accident but Amica has reported to ***** Nexis/CLUE that I have which has caused me to pay costly premium for insurance. Which is has been unfair insurance practice/claim practice to reporting wrong information about a consumer. I would like this matter removed from my report in the next ************************************************************************************ the consumer. The fact I was only paying about ******************************************* to pay ****** monthly for insurance due to Amica error.Business Response
Date: 03/24/2025
The complainant contacted Amica on June 26, 2023, to report that her son was involved in an accident which occurred on May 4, 2023. The complainants son filed a *** claim in connection with that accident and commenced medical treatment. On June 30, 2023, the complainants son gave us permission to discuss the claim with his mother (the complainant). The complainant was aware of the *** claim for her son as she contacted Amica via email on July 12, 2023 asking for a status of his claim, advising Amica of the outstanding bills, and telling Amica that all payments were to be issued to her son. This was again confirmed on July 18, 2023 where we fielded questions posed by the complainant regarding claim status and payments. The claim was handled promptly and correctly according to our claim handling guidelines.Initial Complaint
Date:03/08/2025
Type:Order IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Amica Insurance company negotiated in bad faith on my homeowners claim.Business Response
Date: 03/17/2025
The customer experienced a significant fire loss. Based upon Amicas inspection and evaluation of his damage, we determined that the cost of repairs will exceed his Dwelling coverage. We informed the customer that he was entitled to full Replacement Cost Coverage up to the Dwelling policy limit and that our initial payment would be on an Actual Cash Value basis in keeping with the terms of the policy and NY law. The customer will be entitled to the actual cost of repair or replacement up to the Dwelling policy limit once the structure is repaired or rebuilt.Customer Answer
Date: 03/17/2025
Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
The question remains...How am I supposed to rebuild my home WITHOUT the funds to do so. Also, Amica used misleading values to obtain their ACV. Amica's adjustor came up with a value of almost $800,000 and Amica offered me approximately $315,000. That is just wrong and no way to treat a policyholder.
Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
FAQ
Regards,******
Business Response
Date: 03/18/2025
We appreciate the opportunity to further discuss this matter as there appears to be the need for further clarification on the difference between Actual Cash Value (ACV) and Replacement Cost Value (***) and how *** coverage applies upon repair or replacement. Our Dwelling ACV payment was an initial payment. Payments are typically made for the repairs throughout the life of the project as work is completed, as opposed to full payment up-front. Additional funds up to the *** amount, or the customers policy limit if the *** amount ends up exceeding the policy limit, would be issued to him at later dates. We would welcome the opportunity to discuss this further with the customer.
Customer Answer
Date: 03/18/2025
Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
Amica's defense of their actions has been struck down by many courts over the years due to the fact that I can not be made whole again without the funds, as promised by their sale of the policy. I did not choose the policy amounts nor did I request the rider attached to the renewal of the policy which added an additional 30% to the Dwelling Limit. We had a contract for which I kept my part of. Amica has NO insurable interest in the property because the property does not exist. In addition to this, there is single hidden sentence in the policy which they are basing their insistence on NOT PAYING. Also, the policy is delivered AFTER paying for coverage.
Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
FAQ
Regards,******
Initial Complaint
Date:02/25/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On 02/23/2025 my windshield was damaged by a rock while driving on the freeway. I've had Amica full glass coverage repair for over eight years. Over the years, I have submitted windshield replacements and my deductible to get an *** windshield repair was $0. Today (02/25/25) when filling my claim to get the glass replaced due to the event on 02/23/2025 The Amica team told me coverage for an *** glass is no longer covered. Thus I can get an aftermarket glass utilizing my warranty with a $0 deductible or I can pay full price for the *** manufactured glass. All my prior windshield glass replacements were done with *** glass and a $0 deductible. My policy continues to increase while my coverage decreases.Business Response
Date: 02/27/2025
The insured contacted ******** on February 25th and requested OEM for her 2018 Jeep Wrangler. Safelite advised the insured that OEM was not fully covered under her policy, and she would be responsible for the difference between standard vs. OEM. The insured then contacted Amica for an explanation on the out-of-pocket expense and was advised that OEM was not fully covered, and she would be responsible for the difference.Customer Answer
Date: 03/11/2025
Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
The detailed events the company listed are an incorrect.
Yes the company in detail explained to me that their policy of OEM changed and they would no longer be covering the original manufacturing glass, however the team never explained to me that they would cover the difference.
In detail the representative told me that I could go with the original OEM glass and pay FULL PRICE. She never explained to me that if *** was chosen your team would pay the difference. (The first time Im hearing this option is the last response). These two options are not the same, very different.
Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
FAQ
Regards,******
Business Response
Date: 03/12/2025
On February 25, 2025, the insured was informed that the out-of-pocket expense was a result of the *** parts not being fully covered by their policy.The notification clarified that the amount due represents the difference between the cost of the *** parts and the coverage provided by the policy.Customer Answer
Date: 03/15/2025
Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as *************************************************** I was never informed ********************** would pay the difference of *** glass v third party manufactured. The team informed me that I could pay full price for *** glass or I can get the third party manufactured covered under my policy. Had I known that they would cover a portion of the difference I would have gotten the *** glass as it is better quality and I have had that style of glass since I purchased the Jeep in 2018 before this claim.
Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
FAQ
Regards,******
Initial Complaint
Date:02/06/2025
Type:Service or Repair IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Subject: Urgent: Issue Adding 2024 VW Tiguan to Policy To Whom It May Concern:I am writing to formally express my frustration and concern regarding my ongoing attempts to add my newly acquired vehicle to my auto policy. On January 25, 2025, I purchased a 2024 ********** Tiguan as a replacement for my 2010 ********** Jetta and have since made multiple attempts to complete this policy change within the 14-day timeframe required under the newly acquired vehicle provision of my policy.Despite these efforts, I have been unable to add the vehicle due to Amicas system being unable to decode the **** I have been assured multiple times that this issue has been escalated and that I would receive a response regarding the addition of the vehicle and the necessary policy adjustments. However, I have yet to hear back from anyone, leaving me uncertain about the status of my coverage.If this matter is not resolved immediately and my 2024 VW Tiguan is not added by tomorrow, February 7, with an effective date of at least February 8, I will be outside the policy provision window, leaving me without coverage. This not only puts me at personal risk but also creates an issue with my lienholder, whose interest I am required to protect with first-party coverage.Please provide an immediate update on the status of this issue and confirm that my vehicle will be added in time to maintain compliance with my policy. If this matter is not resolved promptly, I will have no choice but to escalate my concerns further.I appreciate your urgent attention to this matter and look forward to your prompt response.Sincerely,****** *******Business Response
Date: 02/14/2025
We are writing in response to the complaint you filed with the Better Business Bureau.
Thank you for bringing this matter to our attention and discussing your concerns with us. While it did take longer than expected to process, coverage for your new vehicle began the day you asked us to insure it.We now recognize we did not make this clear to you and sincerely apologize for the inconvenience you experienced.
We are pleased to inform your vehicle has been successfully added as of the date requested and your lienholder's interest is also protected. If you have any questions or need further assistance, please feel free to contact us at any time.Customer Answer
Date: 02/14/2025
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
****** *******Initial Complaint
Date:02/01/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Amica insurance should be shutdown. They have been ripping me off for many years now. I oft wondered why my escrow went through the roof and just recently figured it out after looking into it and realized this insurance company whom I've been with for 18+ years was ripping me off. The average home value where I live according to my mortgagor is roughly *******. The price for rebuild my insurance was charging me premiums on was almost *******! After asking one of their **** if they'd give me the full 357K if my home burned to the ground...he said "no, we'd only pay what rebuild cost" to which I said is nowhere near *******. He did not refute it when I said that. Why am I paying premiums on such a high figure then?! They refused to lower my premium, so I dropped them like a hot potato. I encourage everyone else to do the same! I now have comparable insurance coverage for $67/mo compared to their $217/mo they were ripping me off for. They're not the only game in town people and I suggest you go elsewhere for coverage. Amica is very unethical. And when it comes to claims....well, I need not say...this website proves how they act.Business Response
Date: 02/05/2025
We are writing with respect to the complaint you filed with the Better Business Bureau.
Throughout our discussions regarding your Amica Homeowners coverage, we have explained that we do not offer a product specifically designed to cover just the mortgagee's interest of a home. Our policies are intended to cover homes at replacement cost, as it is important to ensure homes are adequately protected in the event of a loss. We do not significantly underinsure properties and are sorry we could not meet your needs.Initial Complaint
Date:01/21/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I submitted an insurance claim for June 2, 2023. Amica has the police report receipts and I had to do an official meeting in regards to the claim. I have made several request for updates for payment on my claim and either no one reaches out to me or they say that they Escalating and I still dont hear back from anyone. I am requesting payment on my claim **** and a reply.Business Response
Date: 01/21/2025
This is in response to the complaint with the BBB. We have reviewed the file and noted that we have been trying to reach you to schedule a time to speak with you about your claim, but havent heard back from you. We will reach out to you again. Thank you.Customer Answer
Date: 01/21/2025
Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
As I said I have emails and emails of me contacting Amica and no reply. Someone literally just emailed apologizing for not getting back to me so that is inaccurate. How can you possibly try and make an excuse why a claim that is from June 2 has not been reviewed and completed as of yet? Do you need me to provide all of the emails that I have requesting assistance?
[You must provide details of why you are not satisfied with this resolution. If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
FAQ
Regards,*******
Business Response
Date: 01/27/2025
We are writing in response to the rejection of our answer on the BBB.
Since our initial response our representative has attempted to reach the insured and discuss this claim. We will continue attempts for contact in order to reach resolution.
Customer Answer
Date: 01/28/2025
Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
[You must provide details of why you are not satisfied with this resolution. If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
FAQ
The information provided by Amica is false. I have been emailing Going on their portal, requesting updates for my claim and they have been unresponsive. As I stated, I can provide documentation of me reaching out to them, and not getting replies or being told that someone was going to escalate to management and then not reaching out to me. It is unacceptable for me to submit a claim back in June and it has not been completed.
Regards,*******
Business Response
Date: 02/03/2025
We are writing in response to the rejection of our answer on the BBB.
As we previously stated, since our initial response our representative has attempted to reach the insured and discuss this claim. We will continue attempts for contact in order to reach resolution.
Customer Answer
Date: 02/03/2025
Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
[You must provide details of why you are not satisfied with this resolution. If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
I will clarify again that the information you have is inaccurate. Amica has not been trying to contact me. I have been trying to contact them continuously and just get the runaround which is why I am submitting this BBB complaint.
I have been a customer since 2009 And I submitted this claim no one is following up with me on completion and then I was told Amica was dropping me as a customer. This is not how to treat a customer. Whatever you are referring to does not have accurate information please confirm with ***** **** and Briianne ******* who knows that I have been constantly requesting for this claim to be completed and they are not escalating.
Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
FAQ
Regards,*******
Initial Complaint
Date:01/16/2025
Type:Order IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Signed up for Amica's Streetsmart program and was successfully enrolled and receiving discount based on driving metrics recorded via app. Amica terminated service unexpectedly in ********** 2024, resulting loss of program access for subsequent 6 month policy period. They claim that there was a loss in data transmission from my app, but only a temporary loss due to low battery on phone. Doesn't appear to be a good business process and quite a draconian reaction. A fair process would be to notify the customer of a technical issue and then a reasonable process to resolve the issue versus just simply terminating the discount.Business Response
Date: 01/23/2025
We are writing in reference to the complaint you filed with the Better Business Bureau.
We are sorry to hear about your experience with Amicas Telematics Program. Please rest assured your status in the program is currently active and after further consideration, we will be applying the applicable discount and premium adjustment to your automobile renewal policy shortly.
Enrollment in our telematics program necessitates certain phone setting requirements. We have been unsuccessful at recent attempts to contact you to ensure you are fully aware of all required settings to avoid being un-enrolled from the program in the future. Please either refer to the Terms & Conditions in the application or contact us to ensure you are set up for future success.
We appreciate your business and look forward to hearing from you.Initial Complaint
Date:01/14/2025
Type:Service or Repair IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
My son was involved in an auto accident on 10/28/2024. Amica the insurance company recommended ****** **************** for the repair work. This is a brand new 2025 ***** CR-V. I was told it's a minor repair even though the repair has an amount of $17133.00 to it. It's been over 2.5 months an no one has been able to give me an answer to when it will be ready. The collision center does not return my phone calls. I'm still paying lease fees and insurance on a vehicle I can't drive and there is no ETA on when this will be fixed. Amica representatives refuse to forward my case to their higher *** for review. This is affecting my normal day to day activities and my son's school work. Please let me know if you need any further information to resolve the issue.Business Response
Date: 01/21/2025
Upon receipt of the complaint, we contacted the customers body shop for status and learned that as of January 21, 2025, the repairs are complete, and the vehicle now needs to undergo a quality control inspection prior to being delivered back to the customer. Assuming the inspection reveals no concerns, the vehicle will be delivered back to the customer today, January 21, 2025. We have spoken with the customer to provide this update.Customer Answer
Date: 01/27/2025
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
The vehicle has now been released to me since Friday 01/24/2025. I am in the process of evaluating it's effectiveness and reliability. The color of the vehicle has been changed (I don't mind that). I will be able to give a proper analysis after a few weeks.
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
**** *******Initial Complaint
Date:01/03/2025
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On October 15th, 2024, your client ran a stop sign, failed to yield, hitting me and damaging my car. While your company paid the majority of the claim rather expeditiously, there is roughly a 700 dollar supplement outstanding due to the tie rod/suspension parts that your client damaged when they hit my car. The supplement was submitted to Amica and Amica first refused to pay on the basis that I was hit on the left side, not the right side. This is a false claim as the police report lists the damage being to the "Entire front bumper, front of vehicle." I have video proving that the majority of the impact was to the right side of the vehicle and submitted said vehicle to Amica. They then admitted that while it is possible their client damaged the vehicle, they want to know that the tie rod/suspension parts were in good repair when the vehicle was in the accident to note that this was definitely caused by your client. I have forwarded the also attached documentation proving that it was previously replaced April 20th of 2023, just shy of a year or so before the accident. A tie rod does not naturally fail in as many months and your company is responsible to pay the supplement. Furthermore, you are now causing me additional stress/pain and suffering with your denial after denial and constant requests, for a claim which to any person with common sense, would be a completely 100% valid and payable claim.Business Response
Date: 01/09/2025
Our insured was in an automobile accident with the claimant on October 15, 2024. Liability was accepted and initial payment was issued based on our review of the estimate provided by his body shop. A supplement was received on December 10, 2024 to replacement of the claimants right front tie rod end & wheel bearings. This supplement was reviewed and it was determined that these items did not appear to be related to this loss but rather this damage appeared to have been caused by normal wear and tear or a mechanical defect. On December 18, ********************************* response to our position, disagreeing with our decision, and provided additional supports for the supplement. We were provided with the video and photos from the claimant which were reviewed, but did not change our assessment. The Claimant did provide us with an invoice confirming that the right tie rod end was replaced on 4/20/23. In addition, the claimant confirmed that the wheel bearings had not been previously serviced or replaced but were also not having issues prior to this loss. As a result, even though causal relation to this accident appears questionable, we have agreed to cover the cost of repair to the claimants supplemental estimate as a result of this accident.
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