What Does Collision Auto Insurance Cover with MetLife?

Collision Coverage Overview

Collision auto insurance protects your vehicle when it collides with another object or vehicle, regardless of fault. MetLife's collision policy typically covers repair or replacement of your insured vehicle, minus any deductible you choose. If your car is severely damaged, the insurer may pay for a replacement vehicle of similar value, depending on policy limits.

Key Components Covered

• Vehicle Repair or Replacement: Costs to fix body, chassis, and mechanical parts are paid up to the coverage limit.
• Collision with Other Vehicles: Damage from an impact with another car is covered, whether the other driver is insured or not.
• Collision with Objects: Collisions with stationary objects such as trees, poles, or fences are included.
• Uninsured/Underinsured Motorist Coverage (Optional): If you add this rider, MetLife may cover damages when the other party lacks sufficient insurance.

What Is Not Covered

Collision insurance does not pay for:

• Damage from natural disasters (unless you have separate comprehensive coverage).
• Vandalism or theft (covered under comprehensive).
• Intentional acts or reckless driving by the insured.
• Wear and tear or mechanical breakdowns.

Deductibles and Limits

MetLife allows you to set a deductible— the amount you pay before the insurer contributes. Common deductibles range from $250 to $1,500. The coverage limit is usually tied to the vehicle's actual cash value, but you can opt for a higher limit for newer or higher‑value cars. Higher deductibles lower monthly premiums; lower deductibles increase them.

How to Review Your Policy

1. Log into your MetLife online account or mobile app.

2. Navigate to "My Policies" and select your auto policy.

3. Open the "Coverage" section; collision details appear under "Collision & Comprehensive."

4. Verify the deductible amount, coverage limit, and any optional riders.

5. If you need clarification, call the customer service number listed in the policy documents.

Claim Process Steps

1. Report the incident to MetLife's claims hotline within 24–48 hours.

2. Provide police report, photos, and repair estimates.

3. MetLife will assign an adjuster to assess damage and approve repairs.

4. Once approved, the insurer pays the repair shop, minus your deductible.

5. If the vehicle is a total loss, MetLife will offer a payout based on the vehicle's actual cash value, subject to deductible.

Additional Benefits You May Add

MetLife offers optional add‑ons that enhance collision coverage:

• Roadside Assistance – covers towing, jump‑start, and lock‑out services.
• Rental Reimbursement – pays for a rental car while yours is in repair.
• Gap Coverage – pays the difference between the car's value and any outstanding loan balance if totaled.