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We've had auto and excess with AMICA for 25 years or more.

Being a skeptic, I was naturally suspicious when they explained the "rebate check at the end of the year" part of the deal. So far there's been one - a healthy one - every year. I'm just curious: in your 25 years with them has there ever been a year when you did not receive something back from them?

They pay claims promptly and without any BS. They don't raise your rates when you have a claim.

That's been my experience. When they covered our "deductible" because they had gotten money back from the water heater manufacturer you could have knocked me over with a feather. (We still had to buy a new water heater, of course, on our own dime.)

I've been pleased as punch with AMICA.

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