What Does Amica Auto Insurance Cover?

Amica offers standard auto insurance coverage that includes:

• Collision coverage — repairs to your vehicle after a crash, no matter who’s at fault
• Comprehensive coverage — damage from theft, vandalism, weather, and non-collision events
• Rental reimbursement — a rental car while your vehicle is being repaired
• OEM parts — depending on your policy, Amica may cover original equipment manufacturer parts, especially for newer vehicles
• Towing and roadside assistance — available as an add-on

Amica also offers an optional glass coverage rider and strong liability limits, making them a solid choice for Bay Area drivers.

California Law: You Always Have the Right to Choose Your Shop

Here’s something every California driver should know — your insurer cannot legally require you to use a specific repair shop.

Under California Insurance Code §758.5, your insurance company can suggest their preferred or Direct Repair Program (DRP) shops, but they cannot:

• Refuse to pay for repairs at a shop you choose
• Pressure you into using their network shops
• Reduce your claim simply because you went elsewhere

This applies to Amica — and every other insurer doing business in California.

Amica may have preferred shop partners, but you are never obligated to use them. If you have a shop you trust, you’re free to take your car there.

How to File a Claim With Amica in the SF Bay Area

Filing with Amica is straightforward. Here’s how it works:

1. Report the accident — Call Amica at 1-800-242-6422 or file online through their website or mobile app as soon as possible after the incident
2. Get a claim number — You’ll receive a claim number and be assigned an adjuster
3. Choose your repair shop — Select any licensed body shop in the Bay Area, including EV Central at 718 Bryant St in San Francisco
4. Schedule your inspection — Amica may send an adjuster to inspect the damage, or they may work directly with your shop through photos and estimates
5. Approve the estimate — Once Amica approves the repair estimate, work can begin
6. Pick up your vehicle — After repairs are complete, Amica pays the shop directly (minus your deductible)

One tip: let your shop know you’re with Amica early on. Experienced shops handle insurer communication regularly and can help keep the process moving.

Serving All Makes and Models Across the Bay Area

EV Central handles all types of vehicles — gas, hybrid, and electric — and works with all major insurance carriers, including Amica.

We serve drivers across the entire SF Bay Area, including:

• San Francisco — SoMa, Mission, Castro, Richmond, Sunset, Nob Hill
• Oakland and the East Bay — Oakland, Berkeley, Alameda, Fremont, Hayward, San Leandro
• Peninsula — Daly City, South San Francisco, San Mateo, Redwood City, Burlingame
• South Bay — San Jose, Sunnyvale, Santa Clara, Cupertino, Mountain View
• Marin County — Sausalito, San Rafael, Mill Valley, Novato
• Palo Alto and surrounding areas

Whether you’re dealing with a minor fender bender or significant front-end damage, we work directly with your insurance company so you don’t have to chase paperwork.

Get Your Repair Started Today

If you’ve been in an accident and you’re covered by Amica — or any other carrier — you have the right to choose where your car gets fixed. EV Central is a licensed, I-CAR certified collision repair shop in San Francisco with a lifetime warranty on all bodywork and paint.

Call us at (415) 881-1845 or stop by 718 Bryant St, San Francisco. We’ll handle the insurance so you can focus on getting back on the road.