AMA Auto Insurance Reviews

My vehicle insurance was with AMA for the past 20 years. I’ve never had a claim, no accidents, no traffic tickets. For 20 years I’ve been paying them for insurance and now last night at work someone hit my vehicle and never left a note “Hit and run”. My vehicle was legally parked in a crescent. This is out of my control as anyone would know who has been in this situation. I’ve filed a hit and run with the police and went to AMA to get it fixed. When I got to AMA, I was expecting to pay my 500$ deductible and they would take care of the rest. I was very wrong, paying them for 20 years of insurance with no claims, they tell me my premium will probably go up since it’s a brand new vehicle. How can my premium go up for a parked vehicle that I’m “Not at Fault” for? It’s a hit and run and can happen anytime, anywhere to anyone, unfortunately. I told the agent I do not want my insurance to go up over this. I’m shocked, the agent has the nerves to tell me to just paint over it and it should be fine. Excuse me? This is the most ridiculous thing I’ve ever heard in my life. It’s a brand new Acura, I’ve been paying for 20 years of insurance and they tell me to just paint it myself? Also, the agent said it’s AMA policy to raise premium over things like these and they can’t do anything. Real nice, from an insurance company that is this cheap and all about taking your hard-earned money and when something like this happens, oh, your premium is going up. I’m done with AMA and I’m moving my house insurance, all vehicles and life insurance elsewhere. I will pay out of my own pocket to fix my vehicle but I will leave you a bad review over this. Beware, everyone, this can happen to you as well.

My car was a write-off following a collision. They continued to charge me my monthly insurance rate long after my car was taken away. This was because, according to them, I failed to call their insurance department following my call to their claims department after the collision occurred. They informed me there is no intracommunication within the company amongst the departments, so the duty fell to me to make sure my insurance was cancelled. However, at no point was it expressed to me that a second call had to be made. I do not recognize this as common knowledge, considering the multiple people I have spoken to who have also made collision claims and who have never come across this issue of having to call multiple departments (and then being penalized for not doing so).

I had never been involved in a collision before and had never made a claim. I called the claims department, informed them of what had happened, and did not receive any instructions or advice on how to proceed. At that moment, I felt safe and secure with the idea that my insurer was taking care of the resulting mess. If I am paying $200+ a month, then I would expect to feel secure following an accident, trusting my insurance company to take care of those items which fall within their realm. Obviously, my trust was misplaced.

They refused to reimburse me for the monies that had been removed from my account and proceeded to charge a cancellation fee for "cancelling" my insurance coverage. The overall experience made me feel like a walking dollar sign as opposed to a person. If you are looking for a false sense of security, then AMA is the place to go. However, if you are ever in need of making a claim, you can be assured that they will make no effort in absorbing the shock of the process.

To be fair, my prior experiences with AMA in dealing with their sale representatives were generally positive. That being said, people are usually all smiles when they're attempting to get one's business. Keeping it, on the other hand, is a huge AMA failure.

tl;dr AMA is useless if you're making a claim, and -- really -- the whole point of an insurer is to be useful when you have to make a claim.