Amica

The oldest mutual insurer of automobiles in the U.S., founded in 1907. Amica is a direct writer known for high customer satisfaction and a straightforward claims process.

Headquarters

Lincoln, Rhode Island

Claims phone

Check carrier website for current claims number

Website

www.amica.com

Xactimate

Uses Xactimate for estimates

What Amica is known for

Oldest mutual auto insurer in the U.S.
Consistently top-rated for customer satisfaction
Direct writer with no agents

Filing a claim with Amica

Practical tips for restoration professionals working Amica claims.

Amica is known for paying claims fairly. Still, always have your own independent scope ready for comparison.

They use a direct model with no agents, so all communication goes through their claims team. Keep clear records.

Amica adjusters tend to be knowledgeable and professional. Present your estimate with confidence and supporting documentation.

Their dividend policy means some policyholders get money back. This does not affect the claims process.

Working with Amica in Xactimate

Amica adjusters write their property damage estimates in Xactimate. When you receive their scope, you can import it into Xactimate and run a line-by-line comparison against your own estimate. Focus on missing line items, incorrect quantities, outdated pricing, and omitted code upgrades. If you start with a PDF estimate from Amica, CapOut can convert it to an ESX file so you can load it directly into Xactimate for comparison.

Common deductible types

Flat dollar

Frequently asked questions

File online at amica.com or call the claims number listed on their website. Since Amica is a direct writer, you will work directly with their claims team rather than through an agent.

Amica consistently ranks among the top carriers for claims satisfaction in industry surveys. They are known for a straightforward process and fair payouts.

Yes. Amica adjusters write their property damage estimates in Xactimate, which allows for direct comparison with contractor-prepared scopes.

Convert your Amica PDF to ESX

Upload a PDF estimate from Amica. CapOut processes it and sends it directly to your Xactimate account.

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