I switched to Amica after 21St Century wanted to buff out my front hood, instead of painting it. Amica has covered two of my last three front end damages (I paid to repaint the hood). They have paid out over 20K in damages. I am REAL Happy with them.
I switched to Amica from Allstate because I had heard they had good customer service and were good with claims. Between the house and cars they ended up saving me several hundred $$ /year. I have not had a claim (knock on wood).
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