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MetLife Auto Insurance: Coverage and Discounts

Fran
Lucy Lazarony January 13, 2021

MetLife Auto is one of the world’s largest financial services companies providing insurance, such as auto insurance, and annuities to help individual customers navigate their changing world. Founded in 1868, MetLife Auto has operations in more than 40 markets globally and holds leading positions in the United States, Japan, Latin America, Asia, Europe and the Middle East. Let’s take a closer look at the insurance coverage MetLife Auto offers its customers plus tips for saving money on car insurance.

Liability Protection. This insurance pays claims if you’re at fault for injuries or property damage in an accident. The property damage is caused by your car impacting someone’s else’s property such as a car, mailbox, or fence on someone’s land.

Collision. This type of insurance pays for damages to your car if it impacts another vehicle or object or if your car rolls over. Collision damages are paid no matter who is at fault in the accident.

Comprehensive. This kind of insurance coverage pays for damages to your car caused by something other than a collision. Covered events include theft, vandalism, fire, flood and hail.

Medical Payments. This insurance covers the costs of doctors, hospitals and funeral expenses for you, members of your household and your passengers resulting from a covered accident regardless of who was at fault. You’ll also be protected when you drive another person’s vehicle or if a car hits you or a family member as pedestrians. In some states, medical payments coverage is referred to as personal injury protection and may pay for lost wages.

Rental Car. If you have an accident while driving a rental car, you’ll be covered for costs from the rental agency. These costs include rental income lost during repairs, claim handling expenses, decrease in market value of the car rental and expenses such as towing and storage.

Uninsured and Underinsured Motorists Coverages. Uninsured Motorists coverage pays the cost of damages and injuries resulting from being hit by an uninsured or hit-and-run driver. There also is coverage if an uninsured driver strikes you or family members as pedestrians.

Underinsured Motorists coverage will pay for damages that exceed the amount of coverage carried by an underinsured driver.

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 can get it repaired or it will be replaced with a new car.

Major Parts Replacement. With this coverage, MetLife Auto pays to replace certain major parts such as tires, brakes, batteries no matter what their wear-and-tear or depreciated value at the time of the accident.

Glass Repairs Without a Deductible. If your windshield is chipped or cracking, with this coverage MetLife Auto will repair the window and waive your deductible.

Legal Defense Costs. If you’re sued, MetLife will cover your legal fees. MetLife will reimburse you for up to $200 per day for lost wages if you attend a hearing or a trial.

Lease or Loan Gap Coverage. This coverage ensures that your vehicle’s lease or loan is paid off if your vehicle is at total loss due to an accident, even if the amount exceeds the value of your vehicle.

Personal Excess Liabilities Policies. This coverage provides an added layer of liability protection on top of an existing policy, including an auto insurance policy.

Even if you’re already insured, judgments from lawsuits can exceed your current liability limits on your existing underlying insurance policy, especially under serious circumstances. A personal excess liability policy also provides coverage for non-business liability claims that are not covered in other insurance policies.

In addition, legal costs to defend a lawsuit may not be covered under your basic insurance policy. Because of all of this, personal excess liability insurance coverage can be financially valuable and provide peace of mind if you should ever be at-fault in a serious car accident.

Ways to Save Money on Your Auto Insurance at Metlife Auto

Here are some tips for saving money on your auto insurance policy at MetLife Auto.

Good Driver Rewards. Good drivers at MetLife Auto are rewarded with lower car insurance premiums. So follow the rules of the road and save with MetLife Auto.

Automated Payments Discounts. Sign up for automated payments for your car insurance and you’ll get a discount with MetLife Auto.

Multi-Policy Savings. You’ll get this discount if you have more than one policy with MetLife. For example, if you have a home insurance policy with MetLife as well as your auto insurance policy, you’re due some savings thanks to your multiple policies.

Employer and Association Discounts. MetLife Auto offers special discounts of 15 percent based on where you work or associations that you belong to. So let MetLife Auto know about your work life. It could save you money. And be sure to check out your associations with MetLife. Where you belong may save you money on your car insurance.

Married Motorist Discounts. Married drivers have fewer accidents than single drivers so they generally pay lower premiums. So if you are married, especially recently married, let MetLife Auto know. You may be due a discount on your auto insurance.

Choose a Safe Vehicle. Safety ratings can dramatically affect the price of car insurance. So be sure to do some research and choose a safe vehicle. You’ll also want to check to see if the vehicle has a high accident rate or is popular with thieves. Both those things push car insurance prices higher.

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