Amica Auto Insurance: Mechanical Breakdown Protection

Amica offers a range of auto insurance coverage options, including personal injury protection, bodily injury liability, property damage, uninsured/underinsured motorist, collision, and comprehensive policies. While the company does not explicitly mention mechanical breakdown insurance, it provides towing services and roadside assistance, which could be useful in the event of a mechanical breakdown. Amica's comprehensive coverage includes towing and covers repairs for damage that is not the result of a collision, such as fire, theft, vandalism, and broken glass. Additionally, Amica's Platinum Choice Auto package includes full glass repair or replacement without a deductible.

Amica's roadside assistance program

• Towing: Amica will arrange for your vehicle to be towed, whether it is related to an accident or not.
• Jump-starting dead batteries: If your car battery dies, a roadside assistance team can come to your rescue and help you get back on the road.
• Fuel delivery: Running out of fuel can be a hassle, but with Amica's roadside assistance, they will bring fuel to you so you can get going again.
• Flat tire change: In the event of a flat tire, Amica's team will change it for you, helping you get back on the road quickly.
• Vehicle extraction: If your car gets stuck in mud, snow, or other challenging situations, Amica's roadside assistance will help extract your vehicle.
• Lockout services: If you find yourself locked out of your car, Amica's team will help you gain access to your vehicle.

The roadside assistance program is available to all Amica policyholders who have Towing and Labor Coverage. Even if you don't have this coverage, you can still use the service, but you may be responsible for any expenses incurred. Amica's roadside assistance team can be reached at 866-286-9968, providing peace of mind and assistance whenever you need it.

Collision coverage

The cost of collision coverage depends on the cost of your car and its potential corresponding repairs. A higher collision deductible means that you will cover more of the cost of repairs when they arise, which in turn lowers your monthly premium. Conversely, a lower deductible means a higher monthly premium but less financial risk in the event of an accident.

Amica Insurance offers collision coverage as part of its auto insurance policies. This coverage pays to repair or replace your car if it is damaged in an accident with another vehicle or object, regardless of who is at fault.

Comprehensive coverage

Amica's comprehensive coverage, also known as "other than collision" (OTC) coverage, protects your vehicle from damage that is not caused by a collision with another vehicle or object. This includes damage from fire, theft, vandalism, and broken glass. It also covers natural disasters like floods, earthquakes, and hail, as well as fallen trees and rocks kicked up by other cars. If your car suffers damage from an accident involving birds or animals, this coverage will also apply. Comprehensive coverage is mandatory for drivers who loan or lease their vehicles, but it can also be beneficial for those who own their cars outright.

In addition to the physical damage covered by comprehensive insurance, Amica offers other protections for your vehicle. Their Auto Repair Assistance Program provides a warranty on claims-related repair work for as long as you own your car, and their Roadside Assistance Program offers services like jump-starting a dead battery, changing a flat tire, and towing your car. Amica also provides rental reimbursement to cover transportation costs if your car is out of service due to a covered loss.

Overall, Amica's comprehensive coverage provides extensive protection for your vehicle, giving you peace of mind in the event of unexpected incidents or natural disasters.

Platinum Choice Auto package

Amica's Platinum Choice Auto package offers customers an extensive range of benefits. The package includes credit alert monitoring, full glass replacement, new car replacement, and a rental car allowance.

With credit alert monitoring, you can stay on top of your credit score and quickly detect any suspicious activity. The full glass replacement benefit covers the repair or replacement of your windshield, windows, and other auto glass, without a deductible. This means you won't have to pay any additional costs for this service. The new car replacement benefit is applicable if your car is under a year old and has fewer than 15,000 miles on the odometer. In this case, Amica will replace your totaled new car with a brand new one. Finally, the rental car allowance provides peace of mind if your car is out of action. You can rent a car similar to your own, with no daily limit, up to a maximum of $5,000.

The Platinum Choice Auto package is a comprehensive solution for anyone seeking peace of mind when it comes to their vehicle. It offers a convenient way to bundle several important services into one package, ensuring you are covered in a variety of situations.

Amica's glass program manager

The Glass Program Manager forms part of Amica's broader Full Glass Coverage offering, which is available as an add-on to their standard auto insurance policies. This coverage includes the repair of small chips or cracks, full glass replacement, and the recalibration of vehicle sensors, all without a deductible.

Amica's auto insurance policies also include comprehensive coverage, which protects against damage to your vehicle that is not the result of a collision. This includes damage from hail, hurricanes, fallen trees, natural disasters, rocks kicked up by other cars, accidents involving birds or animals, and more.

In addition to their auto glass repair and replacement services, Amica also offers a range of other auto repair assistance options. Their Auto Repair Assistance Program includes more than 1,700 certified repair shops across the country that provide a warranty on claims-related repair work for as long as you own your car. Amica can provide recommendations for repair shops in your area if needed.

Amica's Roadside Assistance Program is also available to all policyholders with Towing and Labor Coverage. This program offers services such as jump-starting dead batteries, changing flat tires, delivering fuel, and towing, regardless of whether the issue is accident-related.

Frequently asked questions