WGK Personal Injury Lawyers | October 29, 2025 | Personal Injury
If you’ve been injured in a car accident in Baltimore, Maryland, and the other driver is insured by Amica Mutual Insurance, you may be surprised at how difficult it can be to secure a fair settlement. Amica markets itself as a customer-friendly insurance company. But, when it comes to paying out claims, it’s important to remember that the company is protecting its own bottom line.
Some accident victims in Baltimore become frustrated by the process of dealing with Amica. Below, we explain what you should know about the claims process, what evidence you’ll need, and how a lawyer can help level the playing field.
Understanding Amica’s Role in Your Baltimore Auto Accident Claim
Amica is one of the oldest insurance companies in the country, with a reputation for customer service. However, that reputation doesn’t mean they are eager to pay full value for your claim. Like all insurers, Amica’s adjusters are trained to minimize payouts and protect company profits.
If you’ve been in a crash, Amica may be involved in one of two ways:
- As your insurer: If you have a policy with Amica and need to file under your own coverage (for instance, under your collision, PIP, or uninsured-motorist protection).
- As the at-fault driver’s insurer: If another driver insured by Amica caused your accident, and you’re filing a third-party claim for compensation.
In both cases, Amica’s adjusters will conduct their own investigation, evaluate the evidence, and determine what they think your case is worth. That decision, of course, may be different from what you actually deserve under Maryland law.
The Claims Process: Step by Step
Here’s a general overview of what happens after a crash involving Amica Insurance:
Filing the Claim
You’ll begin by reporting the accident to Amica. You’ll provide details such as the date, location, and vehicles involved, as well as a brief account of what happened.
Initial Contact From an Adjuster
An Amica claims adjuster will reach out to you to gather additional information. They may ask you for a recorded statement. This is where many people make critical mistakes. Adjusters are trained to ask questions in ways that minimize your injuries or shift partial blame onto you.
Before giving any statement or signing documents, it’s best to consult with a personal injury lawyer. This will ensure you don’t inadvertently harm your case.
Investigation and Evidence Review
Amica will conduct its own investigation. They’ll assess vehicle damage, interview witnesses, and review police reports. If they’re your insurer, they’ll review your policy limits to determine how much coverage applies. If they’re the at-fault driver’s insurer, they’ll assess liability and determine whether to contest fault.
Settlement Offer
Once Amica completes its review, the adjuster may present a settlement offer. The first offer is almost always low. It’s a test to see if you’ll accept a fast payout rather than fight for full compensation. Accepting too soon could leave you with unpaid medical bills or lost wages down the line.
The Evidence You’ll Need to Strengthen Your Claim
A strong insurance claim is built on evidence. The more documentation you have, the harder it is for Amica to dispute your damages.
Below are some of the key pieces of evidence you and your attorney should gather:
- Police reports: Establish official documentation of the crash, including who was cited and any witness statements.
- Medical records: Prove the nature and extent of your injuries and the cost of treatment.
- Photographs and videos: Capture vehicle damage, injuries, skid marks, and road conditions at the scene.
- Witness statements: Independent accounts can help counter any claim that you shared fault.
- Employment records: Demonstrate lost wages or reduced earning capacity.
- Repair Estimates or vehicle appraisals: Support your claim for property damage.
- Insurance policy documents: Determine coverage limits and available benefits under your policy or the at-fault driver’s policy.
Your attorney can also request additional evidence that might not be easily accessible. These items could include traffic camera footage, cell phone records, or electronic data recorder information from the vehicles involved.
Contact the Baltimore Personal Injury Attorneys at WGK Personal Injury Lawyers for Help Today
Amica Insurance may seem cooperative, but remember, they do their best to minimize payouts and maximize profits. You deserve someone experienced and skilled on your side.
At WGK Personal Injury Lawyers, we’ve spent years standing up to powerful insurance companies on behalf of Baltimore accident victims. We know Maryland’s laws, Amica’s tactics, and the strategies needed to win fair compensation for our clients.
If you were injured in a car accident involving Amica insurance, don’t face the process alone. Contact us today for a free consultation with a Baltimore personal injury lawyer. Let us help you stand up to insurance companies and demand the full compensation you deserve.
For more information contact the Baltimore personal injury law firm of WGK Personal Injury Lawyers to schedule a free initial consultation.
WGK Personal Injury Lawyers
14 W Madison St, Baltimore, MD 21201, United States
(410) 837-2144
WGK Personal Injury Lawyers – Dundalk Office
7329 Holabird Ave Suite 3, Dundalk, MD 21222
By appointment only
(410) 970-3080
