We have cancelled all our policies with AMICA due to deceptive practices on their part.
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We have had AMICA for Auto, Homeowners, and term life insurance for over 25 years and were pleased with their service and rates up until 3 years ago.
After many years of no (zero)claims, I had a minor accident that involved scraped paint in a parking lot. Because of the totally wrong advice given me by an AMICA agent, it has cost us over $2000 in surcharges etc. for something that should have been repaired for less than $300.
When I complained to a manager, they said they were sorry I was given the wrong advice and there was nothing they could do about it.
They also told me that I should drop full collision on our oldest car to save money. After I did this, I got a call from different AMICA agent telling me that that was a mistake as the older car was not fully covered for its true value and I should reinstate the higher insurance.
At this point I was getting the impression the agents worked on commission (they deny this) and I called again and talked to a another different agent to see what they valued this car. The answer was that the additional insurance they were trying to sell me could never be recouped due to the age/mileage of the car.
In disgust, we dropped all our car insurance with AMICA and went to an independent AAA agent who gave us the same rate and was taken aback at the crazy advice we were getting from AMICA.
When our homeowners insurance came due, AMICA told us that the evaluation on the house was too low, sent out an appraiser, and told us if we didn't pay an additional premium for the higher appraisal, we would not be covered for loss (scare tactics).
Normally (and in the past), I would have taken their word on this and paid the extra premium, but because of our bad experience with the auto policy, I called my AAA insurance agent who sent his own appraiser down.
The AAA appraisal was much lower than the AMICA one and the net result was I cancelled the AMICA homeowners policy and got a much lower deductible policy with extra protection for $200 less a year than AMICA.
I once again spoke to a manager at AMICA who tried the hard sell to get me to return to AMICA, once again denied the agents got an incentive commission to force unneeded coverage, and would not backoff on their inflated appraisal.
Well, thats my AMICA story..by the way I also cancelled my Life Insurance with AMICA.
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