ComplaintsforAmica Mutual Insurance Company

• Initial Complaint

  03/23/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Im Amica customer , recently ********************** notified me about increases on my premium by adding a driver to my Policy, this change was not requested by me. I contacted Amica to get explanations for this action and they told me I need to add my 18 year old to my policy , they are informed about my daughter is no living with us and we requested the exclusion of her from our policy they told us they will send a document to complete the process . Weeks passed and we contacted Amica again this time the told me they no doing exclusion in The ****************. We explain the situation without going into personal matters but we make and statement for then where We do not need additional driver and the person on question dont have or will have access or represent any change or drive any of the vehicles listed in our policy since she is not longer live with us. They supposed to remove her but after few more weeks they just send us the new policy and also make that change retroactive so we need to pay the premium balance in our current policy too. Amica customer service dump the policy underwriting to the ***** office , we requested to sent our request to that office but nothing has been change. We contacted other insurance companies and they dont have any of this wear practices and when we informed Amica they just told us they not writing their policies like the other insurance companies. We have a clean and excellent driver record and long history with Amica almost 20 years but this practices to increase. The premiums are unacceptable. Legally Im not allowed to demand my daughter to responde to any requests from Amica since she is not under my roof and Im explain Amica the additional details are not going to be disclosure and my statement should be enough. My premium when up almost $900 next renewal for coverage we are not going to use since the driver is not going to drive because doesnt live with us, and over $700 for the remaining time in our current policy.

  

  Business response

  03/28/2022

  We are writing in reference to the complaint you filed with the Better Business Bureau.
  
  This reply will serve as a confirmation of our recent telephone conversation. Based on the additional information you provided, a change to your Auto policy was made to remove your daughter. 
  
  We are pleased to have resolved this issue to your satisfaction. If you have any questions,please do not hesitate to contact us.

  Customer response

  03/28/2022

  [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

  03/14/2022

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Hello,I have been constantly and unfairly harassed by Amica insurance who used to be my homeowners policy. In the fall of 2021 I got a letter from Amica insurance stating they were cancelling my homeowners insurance policy for failing to pay roughly 58 dollars of the $1500-$1600 I approximately owned them as a premium. I called Amica surprised they were cancelling my policy out of the blue as I had not been contacted. They say they sent a letter saying I owned an additional 58 dollars on my premium and it hadnt been paid. I advised my Mortgage lender escrows these payments and they should be able to pay in full as they are the ones that paid the premium. They stated they would get with my lender to help figure this out. I then all of a sudden receive another letter in the mail as well as a reimbursement check for the remaining months I had left with Amica and they officially cancelled the policy. They state the policy was cancelled and there was nothing they could do. I then cashed the check the THEY SENT ME. I asked if i could restart a policy then because i need homeowners insurance. The sent me documents to esign to get started, i ultimately started the documents but did not finish them as I went shopping for another policy elsewhere after this bad experience. I got constant emails from Amica stating esigns werent finished, and I picked a policy elsewhere. I then get a letter 3 months later saying i owe amica for 2 months more worth of policy for restarting, even though I never consented and went elsewhere. I made no new payment on the new policy, nor consented to doing a new policy. They then sent me to multiple collection agencies trying to get 2 months of insurance premium out of me for a policy i never accepted, paid and was already insured elsewhere. This is a fraudulent company, i want my experience know, collection to stop calling me, and for my review to be made public. This is a lying company that does not do right by consumer. Please help.

  

  Business response

  03/24/2022

  We are writing with respect to the complaint you filed with the Better Business Bureau.
  
  After careful review of your account, our records indicate an Amica Homeowners policy was canceled for non-payment due to a balance which was due. This balance due resulted from a change you requested to your policy. At your request, we issued a new homeowners policy and followed-up for a completed and signed application, which you  completed. This policy later canceled for non-payment. We now understand you secured coverage elsewhere in November 2021. Once we verify the date coverage was placed elsewhere, we can update our records and your account accordingly.
  
  Please feel free to contact our office if you need any further assistance.

• Initial Complaint

  02/28/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Hello,I had amica insurance for a while for my home and car insurance, but was ready to move on because they're a bad insurance company. We had already switched our car to geico and were planning to change house too. Then I got a letter saying I was due for paying my premium on the new year with Amica, and that if we didn't pay it, it would be canceled December 20th 2020. This was perfect timing since I wanted it to be canceled. The letter clearly stated if I didn't pay $211.05, it would be canceled in December 2021. Then suddenly around February I start getting letters saying I owe money on my insurance. I look and see that it was auto-renewed! This goes directly again what the letters say. When I called to complain, I was told "oh the system auto-renewed, it was a mismatch between the system and the letter, but there is no way they are going to drop this charge." This is very unethical. I escalated to a manager who I spoke to and who said he would call me back, but he never called me back. Then I started getting letters saying it was canceled but I owe $311.02. I have no idea where this number came from, and I refuse to pay anything past December 20th 2020 when the letter clearly stated it would be canceled. Now it is in collections. Please help, they should not get away with this disgusting behavior. They should have canceled retroactively from December 2020 and made clear what was owed up to only that date and why, the second they admitted it was a mistake in THEIR system. Thank you for your help!Best,Kalya

  

  Business response

  03/07/2022

  We are writing in reference to the complaint you filed with the Better Business Bureau.
  
  This reply will serve as a confirmation of our recent telephone conversation.  As discussed, Amica policies renew automatically without requiring a customer request for coverage to continue. We have carefully reviewed your account and note you did not intend to renew your Home policy. We will be correcting this by cancelling the policy effective November 1, 2021, and removing the premium balance from your account.
  
  We are pleased to have resolved this issue to your satisfaction. If you have any questions, please do not hesitate to contact us.

  Customer response

  03/07/2022

  [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

  02/09/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  In 2018 my car was stolen, damaged and was unsafe to drive. During this time I was pregnant and when going through my insurance with Amica my car was repo and sent to collections. I have police reports and feel like my needs were not taken into consideration. I also feel like there was nothing done on Amicas part and which is why I canceled my home insurance I had with them during this time. Now Im facing some issues and was unaware I could speak with a commissioner about my situation until recently. If so I would like to speak with someone as soon as possible before placing my review.

  

  Business response

  02/11/2022

  We are writing in reference to the complaint you filed with the Better Business Bureau.
  
  First, we appreciate you taking the time to provide feedback on your claims experience.  As you noted, your vehicle was stolen, sustained damage and was later repossessed.  You indicated that Amica did nothing to assist you.  We would like to point out that we made payment to you on 10/4/2018 for the damage that was sustained and that you cashed these checks.  Unfortunately, the repossession of your vehicle for non-payment would be outside the scope of your claim for vehicle damage.
  
  We would be happy to discuss this matter with you in further detail and encourage you to contact our office.
  
  If there is any additional information that you feel we need to consider, please let us know and we will promptly review it. Thank you.

  Customer response

  02/11/2022

  [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,
  
  *************************

   

  yes I used the money to get me another way of transportation during this time. I was pregnant and had appointments to make. The $3000 give or take was used to purchase a used vehicle . While I tried working with Amica for a different solution as I expressed I was uncomfortable with the vehicle. Because of the items that were found in my vehicle that were in the police report.

• Initial Complaint

  02/08/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I was involved in a wreck on 9-28-2021 which was the fault of someone insured by amica. I have done everything they have asked of me and been assured they will pay these bills, and they have not been paid. I send them emails and they take days or weeks to respond. The hospital is threatning to turn me over to collections. I am in the process of trying to buy a house and do not need this on my credit

• Initial Complaint

  02/04/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My wife was involved in an accident two weeks ago, We opened a claim with Amica that evening. The appraiser was out and finished his work by 1/24 and informed us that it was a total loss and that we should get payment information in 3 to 4 business days. It is now 9 business days and I have heard nothing. I have reached out 5 times to the agent handling the claim and have not received any response. I called to speak to her supervisor and was told I would get a priority call back. No call was forthcoming. I have since reached out their boss and again was told they wer eon the line and would call me back. Again no call. I am incurring rental charges that I would not have. We have found a replacement vehicle in the price range and we are now in danger of losing the $500 that we placed to hold the vehicle. It pains me to file a complaint against Amica of which I have had a policy for 37 years and prior tp this have had no issues.

  

  Business response

  02/08/2022

  Thanks for giving us the opportunity to respond to your BBB complaint. We understand you were frustrated with the length of time it took to hear from an adjuster, and the lack of communication once your vehicle was determined to be a total loss. We apologize for the delay. Weve since contacted you to discuss the claim in detail and provided an initial payment via EFT. Please feel free to contact us if you have any further questions or concerns.

• Initial Complaint

  01/29/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I had insurance on my truck and trailer. I sold the truck and the trailer i was ending the insurance. This was in early December 2021. I called Amika insurance to cancel. I was told the insurance would end on the 10th of January. I explained to the gentleman that I was selling the trailer. I explained that if the trailer didn't sell id call back and extend the policy. He agreed. But instead renewed the policy and tried to charge me. I know have a $22.00 charge. Out of principle I refuse to pay it. Now they are threatening to effect my credit score.

  

  Business response

  02/07/2022

  We are writing concerning the complaint you filed with the Better Business Bureau. 
  
  As we discussed over the phone, we agree that your policy term ended on December 10, 2021, and payment was not made for the renewal policy.Per the provisions of your policy, the renewal policy has been terminated with no premium owed.
  
  Thank you for putting your trust in Amica and we look forward to assisting you with your future insurance needs. 

• Initial Complaint

  01/16/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  attached on my pdf file addressed to you shortly: amica insurance did not sent paper to people regarding change the policy length and with the new charges. any contact wth them was confusing. i cancelled at the end of my 2 month free insurance stated on my previus policy. accepted but not updated. i rec eived **** of 188 dollars because not of my cancelation but for non paying may monthly payemnt when ii canncelled this policy.regards ******

  

  Business response

  01/19/2022

  We are writing with respect to the complaint you filed with the Better Business Bureau.
  
  This reply will serve as a confirmation of our recent telephone conversation. We have carefully reviewed your account and can confirm we inadvertently did not process the cancellation of  your automobile insurance as you had requested on December 2, 2021. We sincerely apologize for this inconvenience. We will be correcting this issue by cancelling the policy effective November 18, 2021 as per your request. Additionally, we wanted to confirm that your renewal policy was sent out to you on September 21, 2021. The renewal policy provided notification of the change to our Automobile renewal terms from 12 months to 6 months, as well as the related changes to our billing options.
  
  We are pleased we could resolve this issue to your satisfaction. Please feel free to contact us if you have any further questions or concerns.

• Initial Complaint

  01/03/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  On 10/27/2021 via phone call i spoke with agent Matt ****** at Amica Insurance and set up an Auto policy.He insisted i pay a first and last months on a six month policy and continue with automatic payments on the *********** Credit card i used. The auto policy account *********** effective 11/04/2021 thru 05/04/2022. Amica charged my credit card on 10'27/2021 card #ending in **** the amount of ****** reflecting two months of auto coverage agreed to by me and said agent. On 11/04/2021 auto coverage began on policy. Amica insurance charged again said card on 11/27/2021 amount of ***** , Amica charged credit card again on 12/04/2021 $*****. I called Amica as soon as i noticed the discrepancy of charges on a policy i had only for one month Amica had charged me four (4) months of payments. When speaking to agent who then put me on hold for over a half hour, i decided to check other auto insurance companies and cancel my policy with them. I stopped payments on my credit card , recalling the payment of ***** on 12/04/2021 and blocked any access for Amica to my card , which was now reported as fraud to *********** , i did not know what was going on with Amica and they offered NO relief. My next contact with them was to cancel my policy with them as of 01/03/2022 , meaning i had auto coverage from them for the time of 11/04/2021 thru 01/04/2022 which is two (2) months and Amica had obtained NOW three (3) months pymnts from me and owed me a return of one (1) month *****, which the agent said once the policy ended on 01/04/2022 I would receive a check in mail for what was left owed to me. Since that conversation i have received emails saying i was in arrears and hard copies via mail stating i owed them money, but have not gotten back my money or received an explanation as to what i considered a criminal act on my credit card account. I have spoken to an attorney to see what my rights are only , no litigation has been initiated as of yet.

  

  Business response

  01/10/2022

  We are writing in reference to the complaint you filed with the Better Business Bureau.
  
  We have carefully reviewed your account and the concerns you outlined. The first payment that you made on October 27th, 2021 of $136.69 was the required down payment for the new Automobile insurance policy. Your policy was issued at your direction with our Automatic Payment option. As such, on November 27th, the first installment of $68.32 was made. Prior to this first installment being paid, on November 11th you called to change your future installment due date to the 4th of the month, which we explained would be effective beginning with your December installment. The December installment of $68.32 was made on December 4th. The payment made on November 25th was reversed in late December after a stop payment was placed on it. Consequently, a total of $205.01 was applied towards your automobile policy. As requested, we have cancelled your policy effective January 3rd, 2022.
  
  For the dates the automobile policy was in effect,November 4th, 2021 through January 3rd, 2022, Amica earned a premium of $137.00. Please note that as you had requested to be removed from the Auto Payment option, there was a $3.00 service fee for the last installment. You will receive no additional invoices and return premium check of $65.01 will be mailed to you, via the **** on January 7th,2022. 

  Customer response

  01/10/2022

  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. 

  Attached please find an email confirmation that i had called and cancelled the policy , the policy was NOT cancelled as to non payment! The fact that Amica state are wrong and incorrect! I had called the company and instated the cancellation because of the overcharges to my credit card , I can also provide documentation from credit card if needed. Sorry but Amica is stating mis-information!  

  

  Business response

  01/12/2022

  We are writing in reference to your feedback to our response to the complaint you filed with the Better Business Bureau.
  
  In our response, we did not reference a cancellation for non-payment. Our records reflect you contacted us on December 8th 2021 asking us to cancel your policy effective January 3rd, 2022 as you placed your coverage with another carrier. The amended declaration mailed to you for the cancellation of your policy reflects this, at the top left indicating you placed with another carrier.

  Customer response

  01/12/2022

  [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 all above communications , I AM always courteous and polite and do not need to be reminded. I do appreciate the manner in which  Amica Insurance Company does business. They own no fault here in this matter and the sooner I am done with them the better off for me . When a company gets so out of touch with its customers and service that they can just haphazardly take money from an account they have been trusted access to maybe said company needs an overhaul . Thanks to the BBB for their time . Happy New Year .

   
  
  Regards,
  
  Charlotte ` *******

• Initial Complaint

  12/28/2021

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I applied for life insurance and spent over an hour speaking with the sales rep and a person who collected my medical history. Amica was supposed to contact my doctor to get additional information.After a week of not hearing back, I contacted the **** ******** *****, and was told that they have been having difficulties contacting my PCP. I attempted to assist in expediting the process, but the rep did not seem to understand or even interested in what I was suggesting.I became frustrated when it became clear the rep was not going to be helpful, and I cancelled the application. The entire process was a waste my time.

  

  Business response

  01/03/2022

  We are writing to you with respect to the complaint you recently filed with the Better Business Bureau regarding your experience with Amica Life. We apologize that you did not have the experience you expected while applying for life insurance with us. We have reviewed the entire interaction and have identified the reason for the delay in acting on your application. If you would agree, we would like to have you work with another sales representative and continue with a review of your application. We look forward to hearing from you. If you have any questions or would like to discuss this with us directly, please feel free to contact us at ************.

*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. ↩