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.

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Amica Mutual Insurance Company has 47 locations, listed below.

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  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:06/11/2025

  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.

  So much for Amica, empathy is our best policy.On or about May 22, 2025, I called Amica Insurance and spoke with ******* A. *****, I believe he is a customer service representative, my current homeowner insurance policy was over insured, I explain to Mr. ***** that the Dwelling Liability for my home was over insured and asked that it be reviewed and to provide me with two quotes. Mr. ***** responded immediately and provided me with two new Home Insurance Quotation, I told Mr. ***** that I would review the new quotations and get back to him.I spoke with a Mr. **** *******, I told Mr. ****** that I wanted to go with the first insurance quote, Mr. ******* told me that he would send my request to your underwriters for approval. After several days passed Mr. ******* called and Htold me that I would need to download Amicas Hover inspection app before they would approve I was extremely dissatisfied with this process and asked to speak with a manager or supervisor.After several days and not receiving any further communications from Amica, After quiet sometime, I called again today and asked to speak with a supervisor and charged, I was told ******* who was a supervisor would get back to me, I have not received a phone called from ******* or any other manager As of today June 11, 2025 some two weeks later, I have not heard from a manager or supervisor from Amica, regarding my policy. I have been a Amica customer for well over fourteen years now, and this is unacceptable, I dont understand what the problem is.Please provide me with some answers to what is going on with my homeowner insurance policy.

  

  Business Response

  Date: 06/16/2025

  We are writing in response to the complaint you submitted to the Better Business Bureau.
  
  Thank you for your patience as we carefully evaluate the most appropriate coverage amount for your home. As our supervisor recently communicated, a current inspection of your home helps to ensure the most accurate replacement cost. As you have opted not to conduct an inspection, we ask that you carefully review the document being sent to you and let us know if any updates regarding your homes specifications are needed. Once confirmed, we can revisit your coverage limit options and policy loss provisions.
  
  We value your long-standing relationship with Amica and remain committed to working with you to ensure your coverage aligns with your needs.

  Customer Answer

  Date: 06/16/2025

  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
  
  Regards,

  ******

   

   

• Initial Complaint

  Date:05/29/2025

  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.

  - Please see explanation under the dispute resolution section below. Basically, Amica is disputing the veracity of my damage report on the basis of an investigator's OPINION and speculation as to causation of the damage. They now want me to submit to an examination under oath. As a result, I feel that I am guilty until I can prove myself otherwise. This is not the way to treat a longtime customer.

  

  Business Response

  Date: 06/02/2025

  Our investigation into this claim remains ongoing within our ******************************************** due to discrepancies between the damages to the vehicle and the details of the loss as reported to Amica. As part of our investigation, we have requested the insured submit to an Examination Under Oath in accordance with the provisions of the Massachusetts Automobile Insurance Policy. The purpose of the Examination Under Oath is to gather additional information regarding the circumstances and facts surrounding the reported loss in order to complete a comprehensive investigation.

• Initial Complaint

  Date:05/28/2025

  Type:Billing 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.

  Payments were made for both policies Apr 14 and Apr 15. The company has my money but cant figure out how to apply the payments to both policies since I paid directly from *****. Ive made numerous calls and filled out 2 requests for support on their website and havent received a response or resolution.

  

  Business Response

  Date: 06/03/2025

  We are writing about the complaint you filed with the Better Business Bureau.
  
  Thank you for speaking with us on June 2,2025.  As discussed, we have applied the payments for your Personal Automobile and Condominium policies, and they are both paid in full.  
  
  Thank you for your patience and for being a loyal Amica customer for 7 years.

• Initial Complaint

  Date:05/20/2025

  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.

  A driver insured by Amica hit my stationary vehicle. They denied my claim after apparently zero investigation. Scam.

  

  Business Response

  Date: 05/21/2025

  Thank you for bringing your concerns to our attention. Our investigation revealed conflicting statements about how this accident transpired.  After further review, we are adjusting our liability determination to 50/50, meaning we will consider fifty percent of the damages sustained to your vehicle.  We will have the file handler reach out to you to discuss your vehicles damages.  Once we receive the amount of the damages sustained to your vehicle, 50% will be considered.

• Initial Complaint

  Date:05/16/2025

  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.

  My home insurance got canceled because my father passed away in 2022. He was the main policy holder. I am a secondary on the policy and has been paying the policy. Amica didn't try to contact me regarding this directly and they sent a mail to my deceased father ***** and canceled the policy. I want the policy restored under my name. This issue can't be considered a new policy as myself was never contacted directly regarding the cancellation and mandatory policy change to my name ***** *****.

  

  Business Response

  Date: 05/21/2025

  First, we would like to express our sincere condolences to you and your family for the loss of your father.
  
  We are pleased to see that you have already connected with our representative to address your concerns and secure a policy for the home. We apologize for your experience and appreciate your patience as we resolved the issue.
  
  Please feel free to contact our office if you need any further assistance.

  Customer Answer

  Date: 05/21/2025

  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. 

  [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:05/01/2025

  Type:Billing 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.

  4/23/2025;Amica sent me 3 different collection notices for amounts totalling ******** while I cancelled my service with them on 3/15..After that they sent me two checks totalling ****** .. after I deposited the checks they sent me into collections ??? Which likely will impact my credit score negatively. Over the past 2 years (around), they increased my umbrella insurance from around 400 to 640 to $1,150 each and every time with a different reason (while I had no Home owner insurance claim and only one minor car accident in 3/2025) When I added my son to the insurance policy I was informed I will only pay$146 or $147 extra a month - few days later my credit card was charged $1150 ??? I called and complained with **************** and with amica and asked them to listen to the call recording as I have not authorised this amount and was told 640 +147 is my new monthly payment ?? No one cared.. I asked for complained ID and was told they dont use #s for their complaints- no one followed up with me no one called back.. they refunded way less and now even damaging my credit with their collection notice. They kept adding stuff to my polices that I didnt ask for nor authorised nor provided any education service to me on what they were adding to my polices ?? Complete deception. HOI ********BD Auto ********EB and ********FR

  

  Business Response

  Date: 05/06/2025

  We are writing with respect to the complaint you filed with the Better Business Bureau.
  
  A review of your account has confirmed that, while Amica did return premium to you after your policies were cancelled, the payment made to Amica just prior to cancellation was returned via a chargeback with your credit card provider.  As we have not received any payments to address the chargeback,the outstanding balance is still due.
  
  If you have any additional questions, please contact us at your earliest convenience.

• Initial Complaint

  Date:04/18/2025

  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.

  April 14/2025 Called b/c insurance was canceled Had been on auto pay Paid balance and was told they had to write new policy. They came back with a quote $4000double what it had been. I refused got ins elsewhere for under$1000: they must have sold my name to telemarketers i have been getting nonstop callssome claiming i requested lawyers,insurance etc.I am basically being harassed bc i didnt let them rip me off They should be charged taking advantage of millions im sure.

  

  Business Response

  Date: 04/22/2025

  We are writing in response to the complaint you filed with the Better Business Bureau.

  
  It appears that your inquiry concerns a family member's account. While we are unable to disclose specific details about another individuals account, we can confirm that billing notifications were sent as required, and premiums may be affected by a lapse in coverage. Please be assured that we take privacy very seriously and do not share personal contact information with third-party telemarketers.

  
  If you or the insured would like to discuss this matter further, we are available to assist you and can provide additional information within the bounds of what we are permitted to share.
  Thank you for your understanding.

  Customer Answer

  Date: 04/23/2025

  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
  
  Regards,

  *********

   

   

• Initial Complaint

  Date:04/09/2025

  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.

  My car was totaled on 12/23/24 by an Amica car insurance customer. The claim has been settled except for out-of-pocket car rental expenses that were to be reimbursed to me by Amica, totalling $225.25. The claims specialist, ***** *****, confirmed via email on 2/4/25 that the check had been sent to me. On 2/18/25, I reached out to her saying I had not received it and asking to confirm if it was sent to the correct address as I was not sure if they had my correct mailing address on file. Received no response. Emailed 3 more times, with no response or acknowlegement: 2/27/25, 3/6/25, 4/1/25. I have yet to receive the check. Reference # ***********-03.

  

  Business Response

  Date: 04/14/2025

  We issued payment to the Claimant on 02/04/2025. This payment represented reimbursement of the out-of-pocket rental expenses. Unfortunately,this payment was sent to an incorrect address. The Claimant has confirmed the correct address, and we reissued payment on 04/14/2025. We apologize for and regret any lack of communication.

• Initial Complaint

  Date:03/31/2025

  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.

  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 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 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.