Auto Insurance Basics

Exceptional Auto Insurance from MetLife Auto & Home®

We protect more than your car, we protect your lifestyle. Expand your personal safety net with Auto Advantage™ and receive:

* Full Replacement Cost1: If you total your new car, we'll pay the full cost to replace it, subject to your deductible
* $50 Deductible Credit: For every year you don't have a claim2
* Guaranteed Repairs3: For as long as you own your vehicle
* Enhanced Coverages: Protect you from out of pocket expenses after an accident
* Superior Claim Service: Speak to someone 24/7
* Discounts and Rewards for safe driving, multiple policies and more

With MetLife Auto & Home, you can rest assured you're protected for the road ahead.

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Safeguard Your Identity
As a MetLife Auto & Home insurance customer, you will also get Identity Protection Services at no additional charge.

You might also consider:

RV insurance if you own golf carts, ATVs, snowmobiles or similar recreational vehicles.

A GrandProtect® insurance policy package for your car, boat, home and more. One policy package, one deductible and expanded coverage.

Insurance for collectible cars through our agent Condon & Skelly

Personal Excess Liability Insurance: supplements your current coverage to help protect your assets from sky-high judgments.
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:

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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

Concerned about how sky-high judgments could affect your assets? Learn about Personal Excess Liability Insurance


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.2,4
* 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.2
* 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

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Deductible Savings BenefitSM for good drivers. Through Deductible Savings Benefit,1you'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.
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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.
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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.
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Multi-policy discounts. Save up to 10%5 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:
o Auto/Home multi-policy Discount: 10%5
o Auto/Life multi-policy Discount: 5%6