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Car Insurance Coverage

Understand your coverage options+

Protect yourself and others

Nice to Have

Your safety and protection

If you’re hurt in a car accident, this may help pay for certain expenses for you and your passengers. 

This can cover:

Need to Have

Protection for you and your passengers

This no-fault coverage pays for medical expenses and lost wages if you or your passengers are injured in an accident.

This can cover:

Need to Have

The safety and protection of others

Pays for injuries to others when you’re responsible for an accident.

This can cover:

Need to Have

Property protection for others

On your policy as: Property Damage*

Pays for damage you cause to someone else’s property.

This can cover:

Need to Have

Injury protection from uninsured or underinsured drivers

On your policy as: Uninsured/Underinsured Motorist Bodily Injury*

Pays for your injury expenses if the driver who caused the accident is uninsured or doesn’t have enough insurance to cover your injury costs.

This can cover:

Need to Have

Property protection from uninsured or underinsured drivers

On your policy as: Uninsured/Underinsured Property Damage*

Pays for damage to your vehicle if the driver who caused the accident is uninsured or doesn’t have enough insurance to cover your damages.

This can cover:

Protect your car

Nice to Have

Repairing accident damage to your vehicle

On your policy as: Collision*

Regardless of who is at fault, this pays to repair or replace your car if it’s damaged in an accident with another vehicle or object like a tree, pothole or guardrail. 

This can cover:

Nice to Have

Fixing other kinds of damage to your vehicle

On your policy as: Comprehensive* (Other than Collision)

Covers damage to your car that isn’t a result of a collision with another vehicle or object. 

This can cover damage from:

Nice to Have

Covering the gap in your auto loan

On your policy as: Auto/Loan Lease Coverage**

If your car is totaled, this pays the difference between the current value of your vehicle and the amount you still owe on your loan or lease.

This can cover:

Nice to Have

Repairing or replacing auto glass

On your policy as: Full glass coverage*

Covers repair or replacement to your windshield, windows and other auto glass, without a deductible.

This can cover:

Nice to Have

Helping you on the road

On your policy as: Roadside Assistance* (Towing and Labor coverage)

24/7 Roadside Assistance can get you going again.

This can cover:

Nice to Have

Driving while your car is being repaired

On your policy as: Rental Reimbursement* (Loss of Use or Transportation Expenses)

Pays for transportation costs if your car can’t be driven after an accident or is in the shop for covered repairs.

This can cover:

Coverage for Ridesharing and Delivery Driving

Depending on your state, Amica offers optional coverage that provides extended protection for participation in a passenger transportation network (such as Uber or Lyft). Where applicable, Amica also offers optional coverage for passenger transport (Uber, Lyft) as well as product delivery (DoorDash, GrubHub, newspaper delivery, etc.). Because the standard auto policy has limitations on these activities, if you or anyone in your household takes part in driving for a ridesharing company, please contact us to discuss your situation to ensure you’re best covered.

Premium coverage

Best to Have

Platinum Choice® Auto

On your policy as: Platinum Choice Auto

Get our premium coverage in one convenient package. It includes:

You can also add any of these individual coverages to an auto insurance policy without owning the Platinum Choice Auto® package.

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Our Platinum Choice® Home policy offers:

Select a Home policy to quote:

Not sure which home coverage is right for you? Explore our home coverages section to learn more.

+The availability, requirements and minimum limits of select auto coverages may vary by state. * Specific auto coverage names displayed on your actual policy might vary. ** Gap coverage must be added to your policy within 30 days of your loaned or leased car purchase and is only available if car has both collision and comprehensive coverages. Specific coverage name displayed on your actual policy might vary.

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