Providence Personal Injury Lawyer: The Best Auto Insurance In RI

September 22nd, 2013

Rhode Island Car Accident Attorney Discusses Finding the Best Car Insurance

Who offers the best car insurance in Rhode Island?

As a Rhode Island car accident lawyer, this is a question my clients sometimes ask. First, what is meant by “best”? Does this mean the best price? best service? best coverage? best claims handling?

From my perspective, insurance is too important to shop by price alone. Insurance helps protect us when bad things happen. The GEICO TV commercials and its progeny now followed by competitors such as Progressive and State Farm appeal to the lowest common denominator of rock bottom prices. Well, “you get what you pay for.” The cheapest coverage simply will not adequately protect your family. Further, the companies that peddle by touting low prices (like lawyers with gimmicks) do not have the resources or intention of truly helping their customer with customer service or claims handling.

Right now, in the fall of 2013, and for many years prior, one company in Rhode Island stands above the rest when it comes to car insurance. Here, the best auto insurance company is Amica Mutual Insurance Company.

I preface this by stating that Amica is, like every other insurer, looking to make a profit and limit payouts on claims. And I, like many other RI lawyers, still have our disputes with Amica.

But Amica is the best for two simple reasons: (1) Amica writes the best policies; and (2) Amica has the best customer service. As to (1), Amica will write policies with important policy terms and flexible policy limits that will provide the financial protection you need. And as to (2), Amica has a strong Rhode Island presence with local employees who know the area and are well-trained to speak with you. Amica is very strong at helping potential customers understand auto insurance, keeping its customers up to date, and, following a loss, making it easy to speak with the right people and process your claim. This is not to say that Amica is immune from the “Delay, Deny, Defend” tactics used by the industry in claims handling, but overall, Amica does the best job for its customers.

We hope you do not have an accident and that you are safe on the roads. But if you are involved in an accident, you need a lawyer you can trust. Contact our offices today to see how we can help.