How Will a Claim Affect My Insurance Premium

Hey, you know what’s worse than getting into any kind of car accident? Getting into a car accident and then worrying about how filing a necessary claim could affect your insurance rate. We’ve all been there, stressing over the potential consequences of what feels like a tarnished reputation. While you can’t predict exactly how your coverage may or may not change following a claim, it’s important to know the possibilities.

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Will Filing an Insurance Claim Raise Your Rates?

The overarching rule when it comes to the impact of claims on coverage is that every policyholder’s situation is unique. That means depending on your circumstances, your premium may or may not change. A few contributing factors insurers consider when deciding the impact an accident may have on your rate:

  • The terms of your policy
  • Whether you were at fault for the accident
  • How many claims you’ve filed in the past
  • Insurance regulations in your state

While there’s no such thing as “full coverage,” your specific policy is likely a combination of coverage that includes:

  • State-required liability or no-fault insurance to cover any bodily injury and property damages to others if you cause an accident
  • Collision coverage that pays for damages that affect your vehicle in an accident
  • Comprehensive coverage for things like vandalism, theft, and more.

No matter what kind of coverage you have, the fine print matters: Be sure to review your individual policy and get familiar with the terms and conditions so you’re not surprised in the event of a post-accident premium hike. Another thing to note is that your coverage and any potential pricing adjustments also could rely on the accuracy of facts that you, as the insured, present to your insurer when you purchase your policy. It is critical to keep your insurer regularly updated about any changes – like additional drivers, or vehicle updates – to avoid any potential coverage issues or delays in claims processing.

Your driving track record is really what insurers consider the biggest predictor of your future driving behavior, so the more claims you rack up, the more likely your premium is to rise, especially if you’ve been at-fault for accidents in the past. If you’re filing a current claim for an accident that wasn’t your fault, your insurer will take that information into account, but there no guarantees regarding your future rate. If you were at fault, however, you should know that certain behaviors are generally considered a lot more serious—and therefore more reprehensible—than others. Reckless or impaired driving, for example, may result in a major price increase (or even a cancellation of coverage, depending on the terms of your policy).

Whether you’re rear-ended in a minor fender bender or involved in a major pileup as the result of your own actions, it’s essential to report the accident to your insurer. This will help provide your carrier with all the information they need to properly investigate the issue and do everything possible to protect you if the other driver involved files their own claim.

The most important takeaway is to find an insurance provider who truly has your back. If you’re ready to make a switch, visit Metromile today for a free quote.

Michelle Konstantinovsky is a San Francisco-based journalist/writer/editor and UC Berkeley Graduate School of Journalism alumna. She’s written extensively on health, body image, entertainment, lifestyle, design, and tech for outlets like Cosmopolitan, Harper’s Bazaar, Marie Claire, Teen Vogue, O: The Oprah Magazine, Seventeen, and a whole lot more. She’s also a contributing editor at Fitbit and the social media director at California Home + Design Magazine. She is an avid admirer of shiny objects, manatees, and preteen entertainment.

How Points on Your License Affect Your Car Insurance Premium

Past behavior can predict future behavior, according to your car insurance provider. Even if you got a speeding ticket as a reckless twenty-something driver but you’re now a responsible and safe thirty-something driver, you could still be paying higher-than-average rates for your car insurance premiums. That’s a scary thought.

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Many states use something called the “points system” to keep track of moving violations on a person’s driver’s license. Points are not a good thing (this isn’t a video game), and the more points you have on your driving record, the higher insurance premiums you may face paying. This is because more points = higher risk driver. As a high-risk driver, you are more likely to file an insurance claim. A good rule of thumb: the more serious a driving offense, the more points on your license.

How Points on Your License Affect Your Car Insurance Premiums

What kinds of violations will get points?

Well, speeding is the most common. The faster you were going at the time of the violation, the more points will be added to your driving record. For example: if you were going 10 mph over the posted speed limit, that is equal to 1 point. 11 to 20 mph over is 2 points. 40 mph over or more may be as high as 5 points. Ouch!

There are 18 states that consider texting and driving a moving violation and will add points to your license. Here are the states where that’s possible right now: Alabama, Colorado, DC, Florida, Georgia, Kentucky, Maryland, Missouri, Nebraska, New York, New Jersey, North Dakota, Nevada, Vermont, Virginia, West Virginia, Washington, and Wisconsin.

DUIs are a more serious offense, and in many cases, the points system is skipped entirely and your license is suspended or revoked. When someone obtains a DUI, insurance companies go on high alert, as this indicates that the individual is an extremely high-risk driver. Some insurance companies will drop the individual’s insurance policy altogether, as they deem it simply too risky.

Non-moving violations, such as parking tickets, broken tail lights, etc. will not result in points being added to your license.

How long do the points stay on someone’s record?

In most states, 2 or 3 years. Every state’s rules are different, though, so be sure to check out the rules in your state before hitting the road. In Nevada, for example, points tied to minor moving violations (such as making an illegal U-turn or not coming to a complete stop) are removed after 1 year. In California, points tied to a major event – such as a DUI or hit-and-run – stick around on someone’s license for 10 years.

Click here to see the full breakdown by state.

How does my insurance company find out about points on my license?

When you apply for a new policy or renew a current policy, your insurance company will look into your MVR (motor vehicle record). If you are renewing a current policy and there have been changes since you initially applied for your policy, the amount you pay for your premiums may go up or down (depending on what’s been updated on your MVR). Keep your driving record clean and keep your green!

Do keep in mind that the rules in each state differ. Be sure to check out the DMV website in your state to find out more information on the points system. As always, Metromilers, we’re here to answer any questions you may have about your current policy. If you’re thinking of making the switch to Metromile, it never hurts to get a free quote – so why not get one today? Be safe and see you on the roads!

Julianne Cronin is a Bay Area freelance writer, content creator, and founder/editor of the women’s lifestyle site, The Wink. You can find her working on her capsule wardrobe, collecting cacti, and trying out the latest beauty products on Instagram

Transparency in Car Insurance: 7 Ways Metromile is Working to Save You Money

Have you ever gotten a sneaking suspicion that your car insurance company isn’t telling you everything? Like… you’re paying all this money every year for something you barely use (or think about, for that matter) and when you try to research it further, it becomes confusing AF to figure out?

Here at Metromile, that confusing feeling is the last thing we want our customers to feel. We work hard every day to provide transparency in an industry where there usually is none – the car insurance industry.

Whether you’re a current Metromile customer or thinking about making the switch, we want you to know that we value and respect you. We know that finances play an integral role in deciding which car insurance is right for you, so shall we count the ways in which Metromile is working to save you money?

7 Ways Metromile is Working to Save You Money

    1. You only pay for what you use. First and foremost, Metromile’s entire payment structure is based on only what our customers use. The less our customers drive, the more they save every month. That’s a win-win if we do say so ourselves!

    2. You save based on how much you drive, not how you drive. Many other insurance companies will base your premiums on the quality of your driving; brake too hard one too many times and your bill goes up. Not at Metromile. Your bill is solely based on how many miles you drive during any given month and has nothing to do with your driving habits – we promise!

    3. Road trip for less! Just because you have pay-per-mile insurance with Metromile doesn’t mean that you can’t take a road trip every once in a while! Metromile caps your daily mileage at 250 miles (150/day in New Jersey), so you can cruise the open road without fear of racking up a giant bill.

    4. Pay less for the same great coverage. We know that having the right amount of car insurance coverage is important, which is why we have the same great coverage options, such as collision, comprehensive, uninsured and underinsured motorist coverage, etc. without paying exorbitant premiums like other car insurance companies.

    5. Get access to amazing tools through the Metromile app. Through Metromile’s app, our customers have unlimited access to unique tools such as street cleaning reminders and vehicle diagnostics. Our app will save you money on parking tickets and trips to the mechanic ten times over! It’s just another perk we give our customers – you’re welcome.

    6. We offer a multi-car discount. Got one car to insure? Great. More than one? Even better. Grab a free quote today and see how much you could be saving if you switch to Metromile! On average, our low-mileage customers save $611 per year. If you have multiple vehicles to insure, you could be saving even more!

    7. Zero cancellation fees. Try out Metromile risk-free. If you decide that we aren’t the right fit for your lifestyle, you can cancel or switch with zero fees. We truly value our customers and want every person to feel that Metromile is a great fit for them. Don’t worry, we’ll be here when you decide to come back.

When you make the switch to Metromile, you truly have nothing to lose and everything to gain – including a trusted partner. Let us help make your car insurance one less thing you have to worry about. Grab a free quote today and see how much you could be saving by making the switch! See you on the roads.

Julianne Cronin is a Bay Area freelance writer, content creator, and founder/editor of the women’s lifestyle site, The Wink. You can find her working on her capsule wardrobe, collecting cacti, and trying out the latest beauty products on Instagram

Why We Need to Share the Road

Every 43 seconds, somebody in the United States is involved in a hit-and-run crash.

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That shocking statistic is pulled directly from a new AAA report that reveals 2016 (the most recent year on record) was the deadliest year for hit-and-runs to date, with 1,980 fatal accidents claiming 2,049 lives – a 60 percent increase since 2009.

The study, released last month, paints a grim picture of life on the road for motorists, cyclists, and pedestrians alike. According to researchers, pedestrians and cyclists make up nearly 65 percent of those killed by hit-and-run drivers, and 1 in 5 pedestrian deaths are due to hit-and-runs.

“Hit-and-run crashes in the United States are trending in the wrong direction,” Dr. David Yang, executive director of the AAA Foundation for Traffic Safety said in a press release. “Our analysis shows that hit-and-run crashes are a growing traffic safety challenge and the AAA Foundation would like to work with all stakeholders to help curtail this problem.”

Experts agree that the only surefire way to address this alarming reality is to work together to share the road. Whether you’re behind the wheel, biking, skating, or strolling, it’s absolutely essential to practice good habits and stay fully focused on the activity at hand. Here are some tips for staying safe:

  • Always be aware. We’ve all swerved or changed direction at the last minute when walking — if you’re a driver, remember that pedestrians can act unpredictably, so always keep your eye on anyone close to the road.
  • The same can be said for the flip side of that scenario. If you’re a cyclist or pedestrian, remember that drivers can’t read your mind, and they may not be prepared to handle any unexpected behavior. Be mindful of where you are and where you’re going.
  • Patience is a virtue, and it’s a crucial one when you’re navigating the roads. If you’re a driver and you’re trying to pass a pedestrian or cyclists, always remain focused on them as you move, and leave plenty of room so you can safely navigate around them.
  • This should go without saying, but always obey traffic signals and posted signs — jaywalking, speeding, and other illegal activities are recipes for disaster.
  • Nothing is more frustrating than seeing someone wrongly cross in front of your car when you’re behind the wheel but remember that pedestrians always have the right of way — even when they walk into the street from an area other than a crosswalk. Avoid arguing or getting angry — just yield to them and carefully move on.

It’s important to know that it’s against the law for a driver involved in a hit-and-run to flee the scene. That applies to every state in the country, and Colorado specifically, as well as some cities in California have implemented Amber Alert-style messages to notify locals via text, email, television, and radio if a driver has fled the scene of a crash.

And of course, remaining safe on the road requires a car insurance plan that has your back. Find out more about Metromile’s many services and plans at www.metromile.com or call 1.888.242.5204 to get a free quote today.

Michelle Konstantinovsky is a San Francisco-based journalist/writer/editor and UC Berkeley Graduate School of Journalism alumna. She’s written extensively on health, body image, entertainment, lifestyle, design, and tech for outlets like Cosmopolitan, Harper’s Bazaar, Marie Claire, Teen Vogue, O: The Oprah Magazine, Seventeen, and a whole lot more. She’s also a contributing editor at Fitbit and the social media director at California Home + Design Magazine. She is an avid admirer of shiny objects, manatees, and preteen entertainment.

Should I File a Claim with Their Insurer or Mine?

You’re driving along, minding your own business (maybe singing along to some questionable throwback tracks) when bam! — another driver ruins your day. You’re fine, but now you have to deal with the aftermath of the accident. It’s clear to everyone involved that you were the innocent party in this scenario — so do you still have to file a claim with your insurer?

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It’s a common point of confusion for drivers, but there are some simple ways to assess how best to proceed so you can get back on the road and get on with your impromptu in-car karaoke sessions. There are two directions you can take after being involved in an accident where you are not at fault.

Filing a Claim With Your Own Insurer

If you have collision coverage, you can file a claim with your insurance provider. They’ll pay for the repairs to your damaged car, minus any deductible you have on the collision coverage on your policy. Your company will then pursue the other driver’s insurance company for reimbursement of the claim, including your deductible. This process is called subrogation.

Using your own collision coverage makes sense when the other insurance carrier is unresponsive, has a coverage issue with their own insured or is completing a lengthy investigation. Your insurance company will be in a position to get your vehicle repaired and back on the road in a timely fashion and then subrogate for any monies paid out including your deductible.

Filing a Claim With The Other Driver’s Insurer

If you are not at fault for an accident, do not wish to pay your deductible or you do not have collision coverage on your policy, you can pursue your claim through the other party’s insurance carrier. The other carrier will ensure coverage is in order for their insured and complete a liability investigation to determine who was at fault for the accident. Once the other party’s carrier has accepted liability for the accident, they will handle your damages.

They may require you to get an estimate of the damages to your car, work with you to identify a body shop or have you send them photos of the damage to your car. They will then pay for the damages to your car as well as pay for a rental car while yours is being repaired.

Always Call Your Insurer No Matter Where You File A Claim

Regardless of which company you decide to file a claim with, you should report the accident to your own insurer. Reporting the claim to your own insurer puts them in the best position to handle your damages should any delays occur with the other party’s carrier. Metromile policyholders should report all claims.

Still have questions? Need coverage? Visit metromile.com today or call 1.888.242.5204 to get a quote today.

Michelle Konstantinovsky is a San Francisco-based journalist/writer/editor and UC Berkeley Graduate School of Journalism alumna. She’s written extensively on health, body image, entertainment, lifestyle, design, and tech for outlets like Cosmopolitan, Harper’s Bazaar, Marie Claire, Teen Vogue, O: The Oprah Magazine, Seventeen, and a whole lot more. She’s also a contributing editor at Fitbit and the social media director at California Home + Design Magazine. She is an avid admirer of shiny objects, manatees, and preteen entertainment.

Most Common Vehicle Collision Types and Tips for Avoiding Them

We get it, accidents happen, and unfortunately, they are happening too often. Car crashes occur every minute of the day, according to National Highway Traffic Administration. That’s, on average, 1440 accidents per day – most of which are collisions. Within a split second your car could be totaled because of a minor mistake. When it comes to crashes, history continues to repeat itself. We see the same patterns contributing to collision accidents, over and over again. To make our roads safer, we’re sharing the most common collision types and tips for preventing accidents from happening.

Top Collisions and Tips for Avoiding them:

    1. Rear-end collisions. You look down to change the radio station and look up and all of the sudden you are rear-ending the car in front of you. There just wasn’t enough time to brake. The NHTA states that over 29% of the crashes that happen on the road are rear-ended collisions. Rear-ends occur mostly at intersections, highways, highway off-ramps, and heavy-traffic areas. The more deadly rear-ends accidents happen when driving through roadway-construction or work zones.

    • Tips to avoid: 89% of rear-end crashes occur because the driver was distracted. Deter your distracted driving, put down the phone, and even go so far as putting your phone on driving mode, and set your music for your car ride before taking off. Some other ways to prevent rear ends include: Keeping your focus on the road and cars around you and by not ever tailgating, be sure to leave enough space between you and the car in front of you. The rule of thumb is to drive 3-seconds behind another vehicle at ideal driving conditions. If the road is curvy, icy, wet, or there is low visibility give yourself more time and increase it to 6-seconds.

    2. Parked-car collisions. You are jamming out to your favorite tunes and go to back out of your parking spot and a car is whizzing by, they don’t don’t stop and uh oh, you collide with one another. We’ve been there and have the bumper dents to prove it. These crashes usually occur when a car is leaving their parking spot or multiple cars are moving about in parking lot.

    • Tips to avoid: When backing-up don’t just use your rearview mirror or back-up camera to check to see if there are cars approaching. Do it the old-fashion way and turn around and check your back windows to see if any cars are coming your way. If you park further out and away from the traffic areas, then it could help prevent any accidents since your car would not be surrounded by the congestion.

    3. Hydroplaning collisions. After a rainstorm, you head out to run errands and when driving through an intersection your vehicle goes through a large puddle and you can no longer control it, because of this you hit a pole. This happens to many other drivers; wet roads cause more than 10% of traffic fatalities each year. When you hydroplane you have no control over the vehicle’s direction since the tires cannot make contact with the road which most likely will result in a crash.

    • Tips to avoid: Make sure your tire tread isn’t too worn down, having good tread will allow for your tires to make better contact with wet roads. Drive slower when going through large puddles on the road and definitely save your cruise control feature for another day. If your vehicle does end up hydroplaning, stop accelerating, and don’t stomp your food on the brakes. Instead, apply a steady pressure and allow the car to coast into a lower speed.

    4. Wildlife collisions. Did you know that instances of collisions with large animals nearly doubles during the fall season? In the U.S. an estimated 1.23 million deer-related accidents occur per year. Take those animal crossing signs seriously, you never know when you might be seeing a deer in headlights.

    • Tips to avoid: If you drive through forest areas often, consider getting a deer whistle. The noise wards off animals and is designed specifically to attach to a car’s bumper. Other tips for avoiding animal collisions include using your high beam and keeping to the speed limit.

    5. Side-impact collisions. Your making a left turn and another vehicle runs a light and hits you on the side of your car. In other words, you just got t-boned, ouch! Side-impact collisions involve any vehicle that has the right away but the other driver fails to stop. This type of accident causes 27% of passenger deaths according to the Insurance Institute for Highway Safety.

    • Tips to avoid: Follow the rules of the road, pay attention to stop signs, red lights, and who has the right away. Don’t try to make the light before it turns red, instead drive the speed limit and slow down on yellow. Invest in a vehicle that has side airbags to protect your precious cargo inside.

    6. Front-impact collisions. The roads are a bit slippery and you end up driving directly into a tree. The front end of your car looks like a crumpled piece of paper now. Front-impacts are 54% of all the auto accidents that occur and it is where the front of your vehicle hits another vehicle or another object.

    • Tips to avoid: Adjust your driving to the weather; if it is raining or snowing, slow down and be more cautious. Doing so will help to give you more time to react in case your car loses control. Keep your eyes up and on the road and avoid texting and driving.

Even though these are the most common collisions happening it doesn’t mean they have to happen to you, stay safe out there. If you do happen to get into an accident, rest assured Metromile will have your back. We take great pride in providing a seamless claims experience that way you can get back on the road faster. To get a quote or learn more about how Metromile is changing the auto insurance industry go to www.metromile.com.

Kelsey Glynn is a blogger and owner of Social Graces, a business to support others in their social media needs. She is a contributing blog writer for East Valley Moms Blog, a social media content creator, and an avid photo taker. She is Metromile’s Senior Social Media Advocate and helps to maintain our online communities. You can catch her adventuring around AZ and living the mom life on Instagram.

Carrie Dolan Named Most Influential Women in Business – 2018

We have some pretty exciting news to announce today, Metromilers. Our very own Carrie Dolan has been named 2018’s “Most Influential Woman in Business” by the San Francisco Business Times. We’ve always known how inspirational of a woman Carrie was, and we are thrilled to see her recognized for her (many) accomplishments.

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At Metromile, Carrie is leading the next phase of company growth, disrupting the insurance industry with pay-per-mile auto insurance and seeing first hand how an innovative financial services model that leverages technology and data can translate into a better experience for consumers. As CFO, she is responsible for overseeing accounting, financial planning and analysis, treasury, actuary services, and investor relations. Carrie’s leadership impact extends outside of her team. She makes herself available to everyone in the company and works to improve communication and teamwork across the company. She also works to help everyone with finding their own career path and pushing us all to take more risks. In addition to her role as CFO, Carrie is committed to serving her community and supporting the advancement of women.

In honor of her win, we wanted to share some of the things Carrie has done that inspire us everyday. Carrie has decades of financial experience and a proven track record of scaling high-growth consumer brands, like Chevron, Charles Schwab, and Lending Club. Currently, Carrie is our CFO, responsible for overseeing accounting, financial planning and analysis, treasury, actuary services and investor relations. In addition to her professional successes, Carrie has received several industry accolades for her leadership and the impact she has made across the financial industry. In 2015, American Banker honored her as one of “The Most Powerful Women in Finance.” During the same year, The Financial Women of San Francisco named Carrie the “Financial Woman of the Year” for her remarkable commitment to her profession, service to her community, and support for the advancement of women. In 2013, the San Francisco Business Times awarded Carrie the Bay Area CFO of the Year for Emerging Companies.

We hope you’ll join us in congratulating Carrie on her win. Who are some other women who have inspired you? Interested in joining the Metromile team? Check out our jobs board.

How does Metromile Pet Coverage Work?

Are you a cat person or a dog person? Or maybe you’re more of an iguana person. Wherever you fall on the animal spectrum one thing is for sure; animals hold a special place in our hearts. So much so that determining who gets separation anxiety – the pet or the human – can be quite tricky. And in the age of the “support animal,” it doesn’t matter really — furry (and not so furry!) friends are venturing into the real world, day in and day out. In fact, these days more and more companies are opening their doors to their employees’ pets, and many restaurants and airlines are following suit. The truth is, pets have become mobile.

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Now that there is no need to leave your best friend at home all the time, have you thought about whether or not they’ll be covered in the case of a car accident? If you’re a Metromile customer, we have some good news; you don’t have to worry about it. Metromile policies (excluding WA and VA) include Pet Injury Coverage at no additional cost. So take that big road trip, because you can rest assured knowing Metromile has your back, and your pet’s too.

So how does Metromile’s pet coverage work? We’re glad you asked…

The Break-Down of Metromile Pet Injury Coverage:

  • The definition of “Pet” in this instance includes cats and dogs only. Only pets owned by you or a relative will have coverage.
  • The limits of liability for Pet Injury Coverage is up to $1,000 regardless of the number of pets involved in the accident.
  • If you purchased collision coverage on at least one of your covered vehicles under your policy, Pet Injury Coverage is automatically applied.
  • No deductible needs to be met in order to have this coverage apply.
  • This coverage is applicable if your pet sustains injury or death inside your vehicle or any other vehicle you may be driving at the time of a covered accident.
  • This coverage will pay up to $1,000 for reasonable and customary veterinary fees.
  • If your cat or dog happens to pass away because of a covered auto claim then you will receive $1,000 death compensation minus any payments made towards veterinary expenses accrued.
  • If your pet happens to be in the car (we don’t encourage anyone to leave their pet in their car while parked) while it is stolen and your pet is not recovered then you can receive up to $1,000 in compensation.

It’s important to note that Metromile Pet Injury Coverage is not the same as Pet Insurance. Metromile Pet Injury Coverage will only apply to your dog or cat should they sustain an injury in a covered auto accident. To cover your pet at all times, we recommend purchasing a separate pet insurance policy (at this time Metromile does not offer pet insurance). To take a closer look at your coverages you can download your policy contract when you log into your online dashboard or the smart driving app.

So – feel free to let those tongues and ears fly free with the windows rolled down and the music cranked up. If your tail-wagger is your go-to copilot in your car then make sure you purchase a policy from Metromile.

Kelsey Glynn is a blogger and owner of Social Graces, a business to support others in their social media needs. She is a contributing blog writer for East Valley Moms Blog, a social media content creator, and an avid photo taker. She is Metromile’s Senior Social Media Advocate and helps to maintain our online communities. You can catch her adventuring around AZ and living the mom life on Instagram.

What to Do If You Get Into an Accident With an Uninsured Driver

Imagine you’re driving down the road and then suddenly and out of nowhere–screech and crash–someone hits you. Getting into a car accident can be one of the most stressful moments in someone’s life. Between the “is everyone okay?” gut reaction, the damage to your vehicle, and getting injured yourself, the last thing on your mind should be how much the accident is going to cost you. But what if you get into an accident with an uninsured (or underinsured) driver? What will your insurance cover?

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Great questions. Let’s explore the answers to hopefully ease your mind if you ever hit the bad-luck jackpot and this happens to you.

What to Do If You Get Into an Accident With an Uninsured Driver

  • What will my insurance cover? This is probably the first and foremost question on someone’s mind as they start to put the pieces together after an accident. If you carry Collision coverage on your auto insurance policy, your insurance company will pay for your vehicle damages less your deductible. Your insurance company would then pursue (subrogate) the other person or their insurance carrier for your deductible and any additional monies your insurance company pays out. If the other party is at fault and uninsured, you can utilize Uninsured Motorist Physical Damage (UMPD) coverage for your vehicle damages if offered in your state and you have it on your policy.
  • What if I’m injured?If you are injured in an accident and the other party is at fault and is uninsured or carries inadequate bodily injury limits on their policy, you can pursue a claim under your uninsured/underinsured motorist (UM/UIM) bodily injury coverage.

When buying an auto insurance policy, make sure to discuss your personal insurance needs, coverage possibilities and necessary limits with your agent or insurance company. Looking into coverage with Metromile? We’re happy to offer both UIM coverage and collision coverage, so click here to get a free quote now!

Julianne Cronin is a Bay Area freelance writer, content creator, and founder/editor of the women’s lifestyle site, The Wink. You can find her working on her capsule wardrobe, collecting cacti, and trying out the latest beauty products on Instagram

How To Switch Insurers

Are you ready to stop overpaying for car insurance? You’ve already done the research, and you know you could see huge savings by making the switch to per-mile insurance. So what’s stopping you?

A lot of people assume that switching insurers is a huge hassle. If all that is holding you back from making the switch, is making the actual switch – then we have some good news! Switching is simple, and most insurers don’t charge cancellation fees.

Ready to make the switch, but don’t know where to start?

What You NEED to Know Before Switching Insurers:

  • You can switch at any time during your policy term
  • If you do decide to cancel your policy in the middle of your term, any unused premium must be refunded to you
  • Most insurers don’t charge cancellation fees – call your insurer to check with them beforehand

How to Cancel Your Policy & Make The Switch:

    1. Do your research. Make sure that making the switch will be worth it to you. Consider the overall cost, coverages, any discounts, and your lifestyle.
    2. Consult your insurance policy contract. Your policy contract will contain cancelation instructions. Many insurance companies will accept cancellation over the phone, by email, or by a letter notice. This does vary by insurance carrier.
    3. Check for penalties. As we mentioned above, most companies don’t charge cancellation fees. Be sure to check the fine print of your policy contract to see if there are any fees associated with cancelling.
    4. Decide which day is best to cancel. Keep in mind you don’t want a lapse in coverage, so when cancelling your policy make sure that you start your new policy on time.

    • * Expert tip: Most companies won’t let you cancel midday and can only do an effective cancellation of midnight, so plan accordingly.*

    5. Process your new policy and sign all necessary documents. Choose an effective start date of your policy, before you cancel your current policy. Get familiar with all their policies and processes.
    6. Confirm the cancellation. Usually insurance carriers will send a cancellation confirmation. So keep your eyeballs peeled for it. If you don’t get confirmation then follow-up and make sure your old policy was cancelled correctly. Make sure that your leasing or financing company is updated on the switch you made. Most insurance companies will inform your lien holder on your behalf, but double check that this is taken care of.

That wasn’t so bad right? Easy and painless.

Making the switch to a new insurance company is easy and can save you a lot of money in the long run. If you are a low-mileage driver then you should stop overpaying for auto insurance and sign up for per-mile insurance today. Don’t delay, make the switch to Metromile today!

Kelsey Glynn is a contributing blog writer for East Valley Moms Blog, social media content creator, an avid photo taker. She is Metromile’s Senior Social Media Advocate and helps to maintain our online communities. You can catch her adventuring around AZ and living the mom life on Instagram.