Auto Insurance - MetLife

Details
Category: Car
Published on Tuesday, 20 July 2010 10:23

metlife-autoMetLife Auto & Home® offers you superior* auto insurance coverage most other companies don't. Auto AdvantageTM features go beyond basic liability and collision coverage to offer you more complete coverage and benefits, including:

- Deductible Saving BenefitSM for good drivers
- Enhanced rental car damage coverage
- Full replacement cost for total losses
- Full replacement cost for major parts
- Multi-policy discounts
- Safe driver credits, discounts and programs

And if you own a motorcycle, we've got the right coverage for you. Ask your MetLife Auto & Home representative for details.

 

Auto Insurance Details

We're with you when you’re behind the wheel
Coverage PlusTM features are part of the most comprehensive and affordable policies available. Our standard coverage options come with a range of benefits and additional features can be added to further enhance your policy.

When you buy an auto policy, you put together a “package” of standard and not-so-standard coverages, including:

Liability Protection
Even the most careful drivers can cause an accident, and they don't even have to be 100 percent at fault to be financially liable for injuries and property damage.

  • Bodily injury coverage pays** claims in the event you're responsible for an accident in which someone is injured
  • Property damage coverage pays** claims for damage your vehicle causes to someone else's property, such as someone's car, mailbox, or a fence on someone's land

 

Collision and Comprehensive Coverage Advantages
Our collision coverage pays** for damage to your car if it hits another vehicle or object, or if your car rolls over, no matter who causes the accident. Our comprehensive coverage pays** for damage to your car caused by something other than a collision, such as theft, vandalism, fire, flood, and hail.

But, at MetLife Auto & Home you get more complete coverage and benefits, including:

  • New car replacement: if you total your new car within one year of purchase or during the first 15,000 miles—whichever comes first—you get the full cost of the new car with no deduction for depreciation.
  • Major parts replacement: we'll pay to replace certain major parts—like tire, brakes and batteries--no matter what their wear-and-tear/depreciated value at the time of the accident.
  • Glass repairs without a deductible: if your windshield is chipped or cracked, we'll repair it and waive your deductible. Repairs are usually completed in fewer than 30 minutes.
  • Guaranteed Repair Program: choose one of our carefully screened recommended repair facilities, and we'll guarantee the work for as long as you own that auto. But it's voluntary; use any repair shop you like. In MA, guarantee provided through Platinum Auto Service Program.

Medical Payments Coverage and Personal Injury Protection
This covers** costs of doctors, hospitals and funeral expenses, for you, your resident relatives, and/or your passengers, resulting from a covered accident, regardless of who was at fault. You'll also be protected when you drive another person's car (with permission) or if a vehicle strikes you or family members, as pedestrians.

In some states, Medical Payments Coverage is called Personal Injury Protection, and may pay for lost wages and replacement services for an injured party.

Uninsured/Underinsured Motorists Coverage
Uninsured motorists (UM) coverage pays** the cost of damages and injuries resulting from being hit by an uninsured driver or by a hit-and-run driver. It also provides coverage if an uninsured driver strikes you or family members as pedestrians. Coverage for both you and your passengers include medical expenses, lost wages, and other injury-related losses.

Underinsured motorists (UIM) coverage will pay for damages that exceed the amount of coverage carried by an underinsured driver.

Enhanced Rental Car Coverage
If you have an accident while driving a rental car, you'll be covered for** the following "hidden costs" charged by the rental agency, such as:

  • Rental income lost during repairs
  • Claim handling expenses
  • Decrease in market value of the rental
  • Related expenses, like towing and storage

Not available in NC.

Safe Driving and Other Discounts and Rewards

  • Deductible Savings BenefitSM for good drivers. Through Deductible Savings Benefit, you'll automatically earn a $50 credit toward your deductible every year you do not have a loss. This credit can build year-by-year to a maximum of $250.
  • 7% Defensive Driver Discount. Earn up to a 7% discount by completing a qualifying driver safety course. You can even purchase a home-study course for just $19.95 at the National Safety Council website. You must be a licensed driver for at least two years. Additional restrictions apply. Before purchasing, speak to a MetLife Auto & Home representative to be sure you're eligible for the discount. Discount and availability varies by state. Successful completion of other MetLife Auto & Home approved courses also qualifies for the discount. In some states, discount not available for completion of on-line courses.
  • 12% Superior Driver Discount or 20% MetRewards®. Earn up to a 12% Superior Driver Discount if all of the drivers in your household have outstanding driving records, or up to 20% MetRewards, if you are claim and violation-free for 5 years. Discounts and availability vary by state.
  • Multi-policy discounts. Save up to 10% with our multi-product and multi-policy discounts for having home as well as auto insurance with us. For other multi-product and multi-policy discounts not listed here, contact your MetLife Auto & Home representative today.

Sample multi-policy discounts:

  •  
    •   Auto/Home multi-policy Discount: 10%
    • Auto/Life multi-policy Discount: 5%


Rewards for Young Drivers

  • Good Student Discount. Your star high school or college student could earn you 15% discount if he or she qualifies.
  • Free Brochure. Download our free 12-page Teaching Your Teen to Drive (Without Driving Each Other Crazy) brochure, created for all parents and guardians, especially those who must complete parent/guardian-supervised drives required by graduated licensing laws.

Flexible Payment Options
Depending on your policy and state of residence, you can

  • Elect a six-month or annual policy
  • Choose from several installment-payment options
  • Pay by check, online, or via automatic transfers from your bank account

Claim Service When You Need It Most

Whenever you need us, we'll be there. You can report a claim to us at 1-800-854-6011, 24 hours a day, 7 days a week, 365 days a year (make that 366 days during a leap year). Our knowledgeable representatives will answer all your questions and speed along the resolution of your claim.

Additional Features
If not already included, consider these other benefits that can be added to your policy. See policy for details.

  • Towing and Roadside Assistance & Labor Cost Coverage. If you have a breakdown while traveling, this option can help reimburse you for towing and other roadside-assistance expenses.
  • Legal Defense Costs. If you're sued, we'll cover your legal fees. We'll also reimburse you for up to $200 per day for lost wages, if you attend a hearing or trial at our request.
  • Transportation Coverage. If you need to rent a car while yours is being repaired due to a covered loss, you can have the charges billed directly to MetLife Auto & Home, in accordance with the limits of your policy and expected repair time for your vehicle.
  • Lease/Loan Gap Coverage. Ensures that your vehicle's lease or loan is paid off if your vehicle is a total loss due to an accident, even if the amount exceeds the value of your vehicle.

 

Source: MetLife