Complaints

This profile includes complaints for Amica Mutual Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

Amica Mutual Insurance Company has 47 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Amica Mutual Insurance Company

  100 Amica Center Blvd Lincoln, RI 02865-1156

  
• 

  Amica Life Insurance Company

  11486 Corporate Blvd Ste 160 Orlando, FL 32817-8350

• 

  Amica Mutual Insurance Company

  10025 Investment Dr Ste 100 Knoxville, TN 37932-2665

• 

  Amica Mutual Insurance Company

  43 Western Blvd Ste 200 Glastonbury, CT 06033-4338

• 

  Amica Mutual Insurance Company

  898 Veterans Memorial Hwy Ste 220 Hauppauge, NY 11788-2941

The 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:02/19/2024

  Type:Product Issues
  Status:

  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.

  I have contacted Amica twice via my account on the website explaining that I cannot get an online auto quote because it says my address is invalid. They are refusing to reply back.

  

  Business Response

  Date: 02/23/2024

  We are writing in response to the complaint you filed with the Better Business Bureau.
  
  First, we would like to thank you for being an Amica policyholder.  Regarding your inquiry, Amica.coms quoting platform utilizes an *** integration to verify addresses and generate a quote. After review, we have confirmed your address could not be validated through the *** and, as a result, our online quoting feature was not available for your inquiry.
  
  As indicated in our recent e-mail, you may receive a quote through our online Chat or by contacting us directly.
  We are hopeful this clarifies the process and ask that you contact us if you have any additional questions

  Customer Answer

  Date: 02/23/2024

  [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:02/15/2024

  Type:Service or Repair Issues
  Status:

  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 January 4th 2023 I got in a car accident and all impact was on my back rear tire and rear axle. Claim was placed with Amica, same day. The next day my car was making an exhaust/ combustion sound so I took it into the mechanic where they found rear axle damage. Jan 24th a claim appraiser was assigned to my case to inspect work. Later I found out this claim adjuster was in a different state yet reported accident was in the state that I live in, ***********, like mentioned when I placed the claim **************************************** plethora of run around from Amica and their poor claim adjuster services that are 3rd party. Jan 31, **** a claim adjuster from a ******************* company came out and took pictures, after telling him that their was no body damage, that all the damage was at the rear axle, which was leaking oil he assessed and left. 5-7 days later I called AMICA for a claim update, they implied that the appraiser never submitted any information regarding coming out nor pictures. They then told me they would reach out to the appraiser team. After not hearing from Amica I followed up, they reached out to the team several times, finally speaking to them to say that there was no body damage. The damage is in the rear axle, Not car body damage like mentioned when claim was reported Jan 4th. Now it is Feb 15th, Amica has told me since there team didn't find damage, which is ironic seeing as their team had no mechanic come out. They are now saying they have to send an additional adjuster to come to the 5 star car dealership that found the damage to look over work to then assess whether there is truly damage. I have been with Amica since 2016 and have paid $1100-1300 per year, that's $7700-9100 I have poured into this policy for them to deny a valid mechanical issue caused by this accident. Noise was not happening prior to accident, and car was working fine! Amica has shown poor customer service and poor claim support.

  

  Business Response

  Date: 02/23/2024

  We have reviewed the claim file associated with this BBB complaint and apologize for the frustrations surrounding the delays of this claim. On 2/16 the appraiser was dispatched to view the vehicle, but was told by the mechanic shop that there were no openings to view the vehicle on this date. The mechanic advised that Monday the 19th was also not a good day due to scheduling. We were advised that on Tuesday February 21st the second inspection was completed and confirmed the vehicle shows no damage and that the internal damage is not related to a collision loss.

  Customer Answer

  Date: 02/24/2024

  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
  
  Regards,

  ******

   

   

• Initial Complaint

  Date:02/12/2024

  Type:Service or Repair Issues
  Status:

  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 5, 2023 I purchased a new car and insured it with Amica. I walked out of the dealership with a physical card from Amica. I pay my policy 6 month at a time. On January 2, **** when my policy was renewed, I called Amica and asked why my new car was not on the policy. I was informed my policy was never fully processed. They apologized for their mistake. My policy was processed on January 2, ****. After my policy was processed I received a letter from the *** stating they are suspending my registration effective February 20,****. I immediately called Amica and they apologized profusely and said they would correct the problem. Amica is not communicating with me and the problem has not been resolved. My registration is about to be suspended because of Amica's mistake. A letter was sent to the ***, but they wouldn't accept it because they are going by when the policy was processed. I need this resolved ASAP, time is running out.

  

  Business Response

  Date: 02/16/2024

  We are writing regarding the complaint you filed with the Better Business Bureau.
  
  First, we would like to apologize for the inconvenience the delay in processing your vehicle change has caused. As soon as you made us aware of the error, we processed your vehicle change, submitted the information to the ** DMV, and provided a letter to serve as immediate proof of continuous insurance.
  
  As of Tuesday, February 13th, we have confirmed the ** DMV accepted the electronic submission and the records have been updated.
  
  We are committed to providing excellent customer service and welcome any further questions you may have.
  
  Thank you.

• Initial Complaint

  Date:02/07/2024

  Type:Product Issues
  Status:

  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 have been an Amica customer since 2019. Shortly after the Covid situation began, my insurance DOUBLED with the same two cars. Although the price did drop, it maintained an average WELL above my previous cost. Their customer service has also been awful. When I finally changed my insurance, I contacted Amica to cancel my policy. The full payment for 6 months was $1553 and change, and I received $158 back for a policy that cancels in April. That is absolutely unacceptable math, even without the disasterous customer service and doubling my premium.

  

  Business Response

  Date: 02/13/2024

  We are writing in reference to the complaint you filed with the Better Business Bureau.
  
  Thank you for speaking to us on February 9, 2023 regarding your concerns. As discussed, our records confirmed the refund issued was correct based on the coverages provided and coverage changes made within the six-month policy term.
  
  We are sorry you feel you did not receive good service and welcome you to contact our office if you are in need of any further assistance.

• Initial Complaint

  Date:02/05/2024

  Type:Customer Service Issues
  Status:

  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 representative opened 2 claims on our account. I have contacted them many times to ask of the claim they filed in error to be removed. They have failed to do this and claim they cannot remove a claim once filed. This will go on our record as us filing an additional claim when we did not . Removed the *********** claim as requested and correct the mistake made by Amica that will negatively impact our record.

  

  Business Response

  Date: 02/07/2024

  Thank you for bringing this matter to our attention. The insured has been informed about the prior claim file being closed as opened in error and that it would have no effect to their rates. The correct claim file has been opened and fully handled under the correct policy. Amica has also filed a CLUE Property Claim Correction Form to LexiNexis to request the loss data record be revised.

  Customer Answer

  Date: 02/07/2024

  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 # ********. 
  

  Dear Amica,

  To resolve this issue please send me a statement from Amica that you sent a correction to LexiNexus so we can have this on file for our records. I have not received this information in any correspondence. Please send to:

  ******************

  I would also note that there has been no apology for this error or the time and effort I as the paying customer, has had to spend correcting *********************** mistake.   

  Thank you ,

  *******

  
  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: 02/07/2024

  Thank you for your response. We will have an Amica representative provide written documentation to you as to the steps taken in this matter. We apologize for any frustration this has caused you. 

• Initial Complaint

  Date:01/30/2024

  Type:Order Issues
  Status:

  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.

  Auto accident on 12/30 with dispute re: who at fault. Received next day call from the other driver's insurance and even though we called Amica immediately after the accident, uploaded all photos, maps, police report no word until 1/2. On 1/6 we paid to have the auto towed from the police storage to ******************. 1/10 adjuster determined our auto was totaled. Today is 1/30 and we are still waiting for a final determination of the value of the car (we disputed the first one which was rec'd on 1/13/24. And no word yet on the determination of fault. We have had to take out a loan to purchase a replacement car despite wanting to pay cash. We'll pay off the loan when we resolve this claim, but we will be out an addition 500 - 600 for the cost of the loan. Based on all the complaints I see for this company this is becoming common practice. We used to think Amica was one of the best companies for insurance... but this is no longer true.

  

  Business Response

  Date: 02/06/2024

  Thank you for bringing this complaint to our attention. We have contacted the complainant and reached an agreement on the settlement of their total loss claim. We have also concluded our liability investigation and determined that they were not responsible for the accident. It appears that all issues raised in this complaint have been resolved.

• Initial Complaint

  Date:01/30/2024

  Type:Service or Repair Issues
  Status:

  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've been with AMICA Insurance since around ****, Recently, a small hole in my roof was discovered. I submitted a claim for it: ***********, with the date of loss being: 09/24/2023. I went round and round with the original claim examiner with no resolution. I wrote the head of AMICA, *************************, with the hope that he would simply accept the claim and authorize the repair, in this case, spot welding the small hole and stopping the leak. When it rained, the water would leak down on my pants leg while i was driving. He gave it to another claims examiner, ***********************************, who informed me that while AMICA could compensate me for damage done by the water leak, ****************, etc., they would not authorize sealing up the leak. This struck me as backward thinking. First you fix the problem, then you fix the after affects. AMICA won't do it. So now i have a leaky roof to contend with.My car is completely covered with my AMICA insurance. I'm paying them a lot of money each month for it. And, considering how long I've been with AMICA and how much money I've given them overall through the years, it seems as though they could "throw me a bone" and fix the leak so I don't have to keep getting my pants soaked.

  

  Business Response

  Date: 02/08/2024

  We have reviewed the claim file associated with this BBB complaint. This claim stems from water leaking into our insureds vehicle. We had an appraiser inspect the vehicle, and this appraiser reported the water is likely leaking through a windshield seal that has failed due to wear and tear. The policy does not cover damage due to wear and tear; as such, we cannot cover the cost to repair or replace the windshield seal. His policy would cover the cost to repair ensuing water damage (i.e. damage that occurred once the water entered his vehicle), but his vehicle has not suffered any of this damage.

• Initial Complaint

  Date:01/11/2024

  Type:Service or Repair Issues
  Status:

  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.

  My husband and I had Amica Mutual Insurance for auto, home, and umbrella insurance for 10 years. In all that time, we never filed any claims. There was an incident in August 2023, when our daughter backed into our parked car in her driveway in *******, *************. Our daughter reported this accident to her own insurance, MMG, as her own fault. When I spoke to MMG, I was given the option of submitting the repair bill to MMG directly, or through my own insurance, Amica, who would then be reimbursed by MMG. I spoke to *********************** at Amica, who assured me that Amica could file the claim on our behalf, and be reimbursed in full by MMG. The car was repaired, and MMG did reimburse Amica in full. My auto policy was due for renewal on 1/2/2024. When I previewed the renewal policy, I noticed that this incident was reported on my own insurance as a claim against US, with NO MENTION OF REIMBURSEMENT BY MMG. When I spoke to Amica, I was told that they would NOT remove this claim from my record, and refused to mention on the policy that they were REIMBURSED IN FULL by MMG and did not actually pay a ***** for this claim. At that point, I changed to NJM insurance and canceled all Amica policies, (not to mention at a savings of almost 50%). But NJM would not give me their safe-driver discount because when they reviewed my Amica policy, this was still listed as a claim against my own insurance with no mention that Amica was reimbursed in full by MMG. **** criteria for a safe-driver discount is no paid claims during the previous 5 years. In all my years of driving, I have never had an accident or filed a claim. Because Amica refuses to correct in their record that they did not pay one cent on my behalf, I was denied this safe-driver discount with NJM to which I should definitely be entitled.

  

  Business Response

  Date: 01/17/2024

  We are writing in response to about the complaint you filed with the Better Business Bureau.
  
  We have reviewed your account and found that your renewal policy was issued before the loss was fully reimbursed by the at-fault party.Once we confirmed successful subrogation, we updated your policy and all associated records, accordingly. The loss cannot be removed entirely from your record as it did occur.
  
  We are hopeful this clarifies the process and ask that you contact us if you have any additional questions.
  
  Thank you!

• Initial Complaint

  Date:01/02/2024

  Type:Service or Repair Issues
  Status:

  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.

  12/24/23 my car was totaled and I filed a claim immediately Today is January 3rd. My claims rep *********************** bas never once answered the phone nor returned any of my phone calls nor emails.

  

  Business Response

  Date: 01/03/2024

  Please accept this in response to this customers complaint.Amica will be contacting the customer today to proceed with our investigation on how this accident occurred.

• Initial Complaint

  Date:12/22/2023

  Type:Order Issues
  Status:

  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.

  Paid insurance to Amica but suffered a loss. Amica performed an investigation that took several months (~6 months) and denied the claim. Proceeded to then cancel my coverage yet keep my premium.

  

  Business Response

  Date: 12/22/2023

  Our coverage investigation of this loss found that the policyholder failed to use reasonable care by not maintaining heat or winterizing his home. The result of his actions lead to a non-covered loss.