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MetLife Review

Reviews 458
Metlife
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Metlife
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Reviews 458
Hollie Shuttlewood
Apr. 16, 2021
3 min read
Hollie Shuttlewood
Metlife Summary
MetLife is one of the largest insurance companies in the United States, offering auto insurance in addition to home, life, and dental insurance. It has 90 million customers in more than 60 countries, and ranked 4rd in the Fortune 500 list of largest American corporations in 2018. It offers competitive car insurance as well as boat insurance and RV & motorcycle insurance.

Metlife at a glance

2.4
Editorial score

Insurance Features

This category measures the overall quality of the product
2.4

Discounts Available

This category measures the overall quality of the product
2.4

Customer Service

This category measures the overall quality of the product
2.4

Online Experience

This category measures the overall quality of the product
2.4

Direct Insurer?

This category measures the overall quality of the product
2.4

MetLife Review

Pros and Cons

Perhaps the biggest benefit of choosing MetLife is its size. As one of the largest providers of auto, home, and other insurance products in the U.S. and indeed in the entire world, it has the financial strength and security to pay out on claims. MetLife enjoys strong credit ratings from the major corporate credit ratings agencies such as Moody’s and S&P, which means you can sleep well at night when you purchase car insurance through them.

MetLife’s biggest upside is perhaps also its biggest downside. As such a large insurance provider, it doesn’t particularly specialize in any one thing. With MetLife, you’ll find competitive rates and stacks of useful add-ons, but you won’t necessarily get the type of customer service and detail to attention that you tend to find with some of the smaller car insurance companies. Another downside is that certain benefits aren’t available in all states.

Types of Auto Insurance

MetLife offers all the major types of auto insurance.

  • Liability. Comprising Bodily Injury Liability and Property Damage Liability. Covers injuries to other motorists and/or damage to other people’s property if you’re the at-fault driver.
  • Collision. Covers expenses related to repair or replacement of your vehicle if it’s damaged in a collision with another vehicle or object.
  • Comprehensive. Also covers damages to your vehicle, but for non-collision incidents such as fire, flood, vandalism, theft, or collision with an animal.
  • Uninsured / Underinsured Motorist. Ensures all your liabilities are covered if the other driver is at fault but doesn’t have sufficient insurance coverage.
  • Personal injury protection. If you or your passengers are hurt in an accident, this covers emergency treatment, medical care, rehabilitation, and lost income.

Additional Features

Customers can purchase or benefit from the following add-ons:

  • Rental car coverage. If you’re involved in an accident while driving a rental anywhere in the United States, this covers you for costs charged to you by the rental agency. Includes the cost of repairs, handling expenses, decrease in market value of the rental (not available in North Carolina), and related expenses like towing and storage.
  • New car replacement: If you total a new car within the first 12 months or first 15,000 miles of purchase, MetLife will repair it or replace it with another new car without deducting for depreciation.
  • Major parts replacement: Covers replacement of major parts like tires, brakes, and batteries. (This add-on isn’t available in North Carolina.)
  • Glass repairs. If your windshield is chipped or cracked, the insurer will repair it and waive your deductible.
  • Towing and Roadside Assistance: If your vehicle breaks down, this add-on will reimburse you for any charges for towing and other roadside assistance.
  • Legal defense costs: Covers legal fees in the event of a lawsuit related to an accident. You’ll be reimbursed up to $200 per day for lost wages if you’re required to attend a hearing or trial.
  • Lease/loan Gap coverage. If you finance or lease your vehicle, gap coverage will pay the difference between your unpaid balance and the cash value of your vehicle in the event you suffer a total loss.
  • Bundle and Save. MetLife rewards you for purchasing multiple types of insurance. With ComboSM Insurance, you bundle your auto and home coverage into one package at a reduced rate. With GrandProtect, you bundle any of auto, home, RV, boat, condo, apartment, rental property, personal property, and liability into one package for a reduced rate. Unfortunately, bundles are unavailable or restricted in certain states, including New York.

How to Apply

To get a quote, call 1-844-569-3607 to speak directly to a MetLife agent or follow the prompts on the MetLife website to get an online quote. When filling out the online form, you’ll be asked to enter personal details; information about your driving history and the driving record of any other applicants you’re planning to include in the policy; information about the vehicle or vehicles; and any information that might qualify you for insurance discounts, such as where you work or groups where you have membership or affiliation.

Filing a Claim

Policy holders have several different options when it comes to filing claims.

  • Call the claims service at 1-800-854-6011, available 24/7
  • File via the eService online portal
  • Use MetLife’s mobile app, available for download on iOS and Android devices

Contact Details

MetLife offers the following contact channels.

  • Email: To email MetLife, use the direct contact form under the Contact Us button in the top-right corner of the MetLife website home page.
  • Phone: For MetLife’s main switchboard, call 1-800-METLIFE (1-800-638-5433). For the Auto & Home department, call 1-800-422-4272.
  • Mail: MetLife Services and Solutions, LLC, 200 Park Avenue, New York, NY, 10166

Summary

MetLife is a solid auto insurance option for motorists looking for competitive rates, and especially for motorists that are open to purchasing multiple forms of auto coverage to reduce their premium. MetLife is a massive insurance corporation, serving all 50 states and offering all standard forms of auto coverage as well a several useful add-ons. No matter where in the U.S. you live, you should be able to find insurance coverage to suit your needs – whether it’s compulsory vehicle insurance to satisfy your state’s driving requirements or voluntary add-ons to ensure you’re covered in every possible scenario.

Hollie Shuttlewood
Written by
Hollie Shuttlewood
She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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Ruta stimburyte
2 months ago
Sempre numero 1 top!
Sempre numero 1 top!
blackout-hotmail.it
3 months ago
Dico solo che chi la contesta…
Dico solo che chi la contesta sicuramente non ha mandato tutta la documentazione in maniera corretta Io ho avuto un infortunio a luglio e oggi 10 gennaio mi hanno saldato
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Patrizia Ariot
4 months ago
Io mi sono trovata benissimo sono quasi…
Io mi sono trovata benissimo sono quasi stupita , ho avuto un infortunio e sono stata liquidata in tempi brevissimi e con grande professionalità .. è stato facile inviare la documentazione richiesta e ho sempre avuto risposta per eventuali aggiunte di documenti Grazie mille
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Santino Busetti
5 months ago
Assicurazione molto seria mi sono fatto…
Assicurazione molto seria mi sono fatto male a luglio chiuso L infortunio il 25/10/2023 oggi 09/11/2023 arrivata email che hanno emesso bonifico a mio favore Ringrazio la sig.na Serena Dal Molin che mi ha seguito per le pratiche disponibile e molto gentile La consiglio come assicurazione
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5 months ago
Matteo
Seria, precisissima e chiarissima in seguito ad un infortunio,nel giro di un mese mi anno liquidato tutto il dovuto aggiornarmi passo dopo passo della mia pratica. La consiglio a tutti
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