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AMICA Insurance: Auto Accident Claims and Settlements

Auto Accident

Amica Insurance is the oldest insurer of automobiles in the country, having been around since 1907. It is headquartered in Rhode Island. In addition to automobile insurance, Amica offers home and life insurance policies.

For whatever reason, Amica does not have much market share in Maryland, ranking 32nd among private automobile insurance companies with a market share of 0.40% and $14,811,185 in premiums. Our law firm's experience would indicate either that Amica has some great drivers - which I think might be true - or that the Maryland Report overstates their market share. Of the literally thousands of car and truck accident claims we have handled in the last 10 years, our records only reflect 12 Amica cases.

Amica's Operating Territory

Amica has offices in 49 states and the District of Columbia (only Hawaii, of all places, appears to be missing).

Settlement of Amica Accident Claims

Looking back at our results with Amica and talking with other accident attorneys, it is fair to state that Amica's adjusters make fairly reasonable settlement offers. Most of our Amica cases settled either before or shortly after filing a lawsuit. If suit is filed, Amica is often defended by Niles, Barton & Wilmer. Amica is quick to suggest mediation in these cases which can be an effective way to resolve the case. Amica, by reputation, is willing to listen to most mediators, and these cases tend to settle quickly (often before the expense of depositions and, more significantly, before more detailed engagement of the medical experts).

We have dealt with local Amica adjusters in Columbia, Maryland and adjusters in their home office in Providence, Rhode Island.

One More Point on Amica

Amica is not a bad company. But insurance companies are just bullies by nature, even the decent ones. Amica actualy made the argument that someone who sees this Miller & Zois discussion of Amica might actually think we work with or for Amica. Seriously? Can you imagine reading this page and thinking that we are partnering with Amica? The is the last impression we are trying to leave. Shouldn't they feel ashamed making that argument? Here's Amcia's letter to us. The take home message, as always: these insurance companies will do anything to try to bully you in submiting to their will. If you have a serious injury case, the best thing to do is to hire the best lawyer you can to fight back for you.

Amica Settlements and Verdicts

Summarized below are verdicts and reported settlements from actual cases in which Amica was the responsible insurance company. 
  • Thompson v Amica (Texas 2018) $146,457: Plaintiff motorist with UIM insurance through Amica reportedly suffered cervical dystonia (spasmodic torticollis) and emotional distress as a result of an auto accident caused by an underinsured driver.  Plaintiff settled with the at-fault driver for his policy limits of $50,000. She then sued Amica for UIM benefits to cover her additional damages in excess of the $50k settlement. Amica disputed plaintiff’s alleged injury, arguing that cervical dystonia was an injury not known to be caused by impact trauma in car accidents. The jury disagreed and awarded $146k in damages which was almost all for past and future medical expenses. 
  • Kostek v Thurston (Washington 2018) $322,500: Plaintiff, 47-year-old female computer programmer, was merging onto a highway in Seattle when she was rear-ended by defendant. Plaintiff allegedly suffered cervical neck strain and mild thoracic outlet syndrome and treatment consisted of over 12 months of physical therapy and steroid injections. Defendant at-fault driver was insured by Liberty Mutual with $100k policy limit and plaintiff has UIM coverage from Amica, both of whom eventually agree to a joint settlement.

  • Tropeano v Satterfield (Alabama 2017) $50,000: Minor plaintiff sustained a compression fracture of her thoracic spine and incurred medical bills totaling $32k. Amica was one of 2 insurance companies with liability for the accident. Both AMICA and the other insurer agreed to settle for their respective policy limits of $25k for a total settlement of $50k. 

  • NC v Amica (New Jersey 2017) $50,000: A 4-year girl was walking across the street when she was allegedly struck by an unidentified vehicle that did not slow down or stop after the accident. She suffered various unspecified injuries. At the time of the accident her father had auto insurance through Amica and he brought a claim for damages under the UIM coverage. Amica offered policy limit settlement of $50k which was accepted and approved by the court. 

  • AS v McGough Bus Co (New Jersey 2017) $40,000: Minor plaintiff was riding school bus on 34th street in Philadelphia when the bus was hit by another unidentified vehicle that subsequently fled the scene of the accident. Plaintiff sued the bus company alleging  negligence in operation of the bus and negligent entrustment for hiring the bus driver. Bus Co was insured by Amica and eventually agreed to settle the case for $40k. 

Our Lawyers Can Help You With Your Accident Claim Against Amica

If you've been involved in an automobile collision with an Amica driver, or if Amica is your insurance company and is denying your PIP claim or UM/UIM claim, contact us at 800-553-8082 or online for a free consultation. We can resolve your automobile accident claim one way or another, whether by settlement or lawsuit.

More Information on Automobile Claims and LawsuitsInformation on Our Personal Injury Law Firm
Client Reviews
They quite literally worked as hard as if not harder than the doctors to save our lives. Terry Waldron
Ron helped me find a clear path that ended with my foot healing and a settlement that was much more than I hope for. Aaron Johnson
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The last case I referred to them settled for $1.2 million. John Selinger
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The entire team from the intake Samantha to the lawyer himself (Ron Miller) has been really approachable. Suzette Allen
The case settled and I got a lot more money than I expected. Ron even fought to reduce how much I owed in medical bills so I could get an even larger settlement. Nchedo Idahosa