Medical Payments and Personal Injury Protection Explained

If you’ve been visiting the Metromile blog for a while, there’s a decent chance you’re well on your way to becoming a coverage connoisseur, able to effortlessly rattle off the differences between collision, comprehensive, liability, and uninsured coverage. But even if you’re just kicking off your insurance education, you’re probably already hip to the fact that not all coverage is created equal. That’s why today, we’re breaking down even more must-know terms: medical payments coverage and Personal Injury Protection (PIP).

Medical-Payments-and-Personal-Injury-Protection-Explained

The Basics: What Are Medical Payments and Personal Injury Protection Coverage?

Medical Payments Coverage

Unsurprisingly, medical payments coverage (sometimes called medical expense or MedPay) is intended to cover the costs of, well, medical payments that are the result of an accident. This type of coverage protects you no matter who is at fault for the accident. While your health insurance plan may go a long way in paying for medical costs, MedPay typically fills in the gaps and is a good go-to in the case of low limits or high deductibles. Aside from covering any necessary hospital expenses, medications, etc., medical payment insurance may help pay for any injuries sustained by your passengers, injuries you sustain as a pedestrian or bicyclist if a driver hits you, any necessary dental care resulting from the accident, and, in the worst case scenario, funeral expenses.

Personal Injury Protection Coverage

Personal Injury Protection is similar but distinct; while medical payments coverage is strictly intended to cover medical bills, PIP takes things a step further, covering health costs and resulting lost wages for you and your passengers after an accident, regardless of fault. Unlike bodily injury liability insurance, which covers damages to other people If you cause an accident, PIP pays for your expenses. And while MedPay and PIP overlap in some areas, PIP usually covers more expenses and is written specifically for car-related injuries, which are sometimes excluded from certain health insurance policies.

But all that info is general — the specifics of medical payments coverage and PIP vary from state to state. For example:
  • In California, Arizona, Illinois, and Virginia, medical payments coverage can pay medical bills for injuries you or your passengers sustained in a covered accident, up to the limit you choose (regardless of who caused the accident).
  • Pennsylvania requires something called first-party benefits for medical expenses; that just means MedPay covers medical costs, funeral costs, lost income, and any potential death benefit for the policyholder and anyone occupying the covered vehicle, at the time of the accident, no matter who’s at fault, up to a limit you choose.
  • In Washington, insurance providers are required to offer PIP to cover lost wages and benefits resulting from injury or death (residents can choose to reject this coverage).
  • MedPay isn’t offered in Oregon, but PIP is required to cover medical expenses (which may include lost wages and/or other benefits) resulting from injury or death, regardless of who’s at fault in an accident.
  • Similar to Oregon, New Jersey is considered a “no-fault” state because, regardless of who caused the accident, PIP is required to cover an array of medical, rehabilitative, and living expense options as well as lost wages.

These are just a few examples of how MedPay and PIP may vary — to find out the requirements where you live and to make sure you’re abiding by all the local laws, visit the Department of Motor Vehicle (DMV)’s state by state guide.

So Do You Really Need Medical Payments Coverage and/or PIP?

We get it, all these different types of coverage can be confusing and overwhelming, and it can be hard to know which ones fit your needs, lifestyle, and budget. But there are at least a few guidelines that can help you make the right decision.

The Legal Stuff

As mentioned above, some states require certain forms of insurance, so if you’re a driver, your decision is already made for you (at least it takes the guesswork out of the equation, right?).

Most states offer MedPay, but a handful don’t: Oregon, Minnesota, New York, and North Dakota.

    Medical Payments Coverage Is Required In:
    1. Pennsylvania
    2. Maine
    3. New Hampshire

Things are a little trickier when it comes to PIP. In addition to Washington D.C. and Puerto Rico, 15 states use the no-fault system and require drivers to buy PIP:

    Personal Injury Protection Coverage Is Required In:
    1. Delaware
    2. Florida
    3. Hawaii
    4. Kansas
    5. Kentucky
    6. Massachusetts
    7. Michigan
    8. Minnesota
    9. New Jersey
    10. New York
    11. North Dakota
    12. Oregon
    13. Pennsylvania
    14. Texas
    15. Utah

If your state requires PIP coverage, then you can count on your insurance policy to cover your expenses in an accident — even if another driver was at fault — unless certain monetary or verbal “tort thresholds” are met. That means either the resulting expenses would exceed a specific amount or you’d have to suffer a specific type of injury before being able to file a lawsuit. All these rules and regulations vary from state to state, so it’s important to know the laws where you live (check the Department of Motor Vehicles website for more info on the requirements in your neck of the woods).

The Coverage Stuff

When it comes to how much coverage you really need, well, as with a lot of other insurance scenarios, it depends. The cost of your policy will depend on your coverage limit and deductible, as well as your location, age, and other factors. Determining how much you need and can afford takes some personalized planning, so it’s always best to work with a skilled insurance agent who can walk you through the process (you can reach ours at 1.888.242.5204).

One of the biggest things to consider when looking into MedPay is your health insurance. If your health insurance will provide adequate coverage for injuries you suffer after a car accident, and MedPay isn’t required in your state, then you may not need it. If you health insurance does not cover injuries results from car accidents, it’s a good idea to buy medical payments coverage.

On the other end of the spectrum, often times PIP can work in conjunction with your health insurance coverage. To do so, you have to set your health insurance as your primary form of injury coverage after an accident. Which means: your health insurance benefits will pay your medical costs in the event of a car accident that causes you injury. Your Personal Injury Protection coverage would then help with expenses that exceed your health insurance limits. Be sure to consult with your health insurance and car insurance providers before making any decisions.

Remember both MedPay and PIP cover medical bills after an auto accident, but MedPay does not include coverage for lost wages, rehab or other essential services like PIP does. So, if you’re required to have PIP, MedPay may be overkill. However if your state’s limit on PIP is low, MedPay coverage could be a beneficial supplement.

Still Have Questions?

If you find all this info confusing, you’re far from alone. Insurance can be a tough topic to navigate, which is why Metromile offers a comprehensive Help Center to address all the most common frequently asked questions on coverage types, claims, billing, and much, much more. And if your question isn’t answered there, you can get direct, customized guidance from one of Metromile’s licensed agents. Whether you’re just signing up for a new policy, switching providers, or thinking of tacking on a new type of coverage, Metromile’s there to take the guesswork out of the equation. Get a free quote today or call 1.888.242.5204 to talk it out.

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 Metromile Roadside Assistance Works

If you’ve been a longtime reader of the Metromile blog (hey, thanks!), you’ll remember our previous posts on comprehensive and collision coverage, how to choose the property damage and bodily injury coverage for you, and what to do if you get into an accident with an underinsured or uninsured driver. Today we’re covering a new topic – how the Metromile roadside assistance program works.

From a dead battery to getting locked out of your car, there’s never an instance when Metromile roadside assistance doesn’t come in handy. Why pay a different company to handle roadside assistance when you can add it to your Metromile policy in a snap? Let’s get into the nitty-gritty of how roadside assistance works, what’s included, and more. Grab a cup of coffee, pull up a chair, and let’s chat.

Do You Need Metromile Roadside Assistance?

First things first – you need to understand how roadside assistance works to determine if it’s the right fit for you! Let’s get into the cost, use cases for roadside assistance, how to call for roadside assistance, and more.

Cost

The cost to add roadside assistance to your policy is about $5 – $7 a month. In addition to towing, our roadside assistance coverage offers flat tire changes, battery jump starts, locksmith services, and emergency gasoline deliveries. All of that protection for the price of a matinee movie ticket!

Use cases

We offer roadside assistance as an optional add-on to comprehensive and collision policies. The coverage includes:

  • Flat tire fixes
  • Locksmith services
  • Emergency gasoline delivery
  • Towing (up to the distance outlined in your contract)

Please note that this coverage only applies to vehicles listed on your policy. If you need to edit the vehicles covered on your policy, you can easily do so through your Metromile online dashboard.

How Metromile Roadside Assistance Works

Once you have Metromile Roadside Assistance, we hope you’ll never have to use it. But if you are ever in a bind like outlined above, we’ll be happy to help.

How to call for roadside assistance

A time may come when you need to call for roadside assistance, and you’ll most likely be stressed, frustrated, and a little on edge. That’s why we make it so easy to do.

  1. Metromile Roadside Assistance on the Metromile App
  2. Your first option for calling roadside assistance is through the Metromile smart driving app. Simply log into the app and tap the ‘Insurance’ icon on the bottom right. Then, tap the ‘Roadside’ icon in the top left and follow the prompts on the screen. The app will take you through questions such as, “Were you in an accident?” and “Will you be waiting at your vehicle for the tow truck to arrive?” to determine what type of assistance you need. Once you complete the prompts, a driver will be dispatched and sent to you as soon as possible.

  3. Metromile Roadside Assistance on your online dashboard
  4. The second option for contacting roadside assistance is through the Metromile online dashboard. From the dashboard, navigate to the ‘Claims’ tab on the top navigation bar. Then, click ‘Request Roadside Assistance’ in the right-hand menu. Follow the prompts so we can determine what type of assistance you need and a driver will be dispatched to help you!

  5. Calling Metromile Roadside Assistance
  6. The third option for calling roadside assistance is, yep, you guessed it – by actually calling! Call us at 1-800-983-3400 and we’ll get a driver out to help you right away.

What happens next?

Sit tight – a dispatch driver is on their way to you. Whether you need a battery jump, a flat tire fixed, or a full-on tow, we’re here to help. Remember that this is all included in your roadside assistance coverage, at no out-of-pocket cost to you! Just another perk of being a Metromile customer.

Still Have Questions?

It’s cool. Here are some of our most-asked questions about roadside assistance.

FAQs

  • Do you need it?
  • Roadside assistance is something that you never think you’ll need, but when the time comes, you won’t take it for granted. If your car is older or unreliable, you’ll especially thank yourself when the unexpected happens.

  • Is it worth it?
  • The price of roadside assistance is equivalent to about two lattes a month. If you love road trips, this might be a smart coverage option for you. For Metromile customers, adding roadside assistance is typically much cheaper than using an external company like AAA. Also, can you really put a price on your peace of mind?

Visit our Help Center

If you still have any lingering questions, be sure to visit the Metromile Help Center. We have answers about roadside assistance, the Metromile Pulse device, how billing works, coverage options, and more.

As we all know, cars can be somewhat unpredictable. If your car decides to break down at the worst possible time, Metromile has got your back! If your car breaks down on the road and you have elected for Metromile roadside assistance coverage, you can submit an online roadside assistance request, file through the Metromile app, or call Metromile roadside assistance at 1-800-983-3400 to request service. Our Metromile roadside assistance team will make arrangements to assist you and also can provide an estimated time of arrival.

TL;DR

Metromile roadside assistance is not just for towing services, although an on­-call tow truck is a convenience that shouldn’t be overlooked – especially if you are a fan of impromptu road trips or have a long daily commute. In addition to towing, our roadside assistance coverage offers flat tire changes, battery jump starts, locksmith services, and emergency gasoline deliveries. The really nice part? All this protection comes for less than the cost of a matinée movie ticket or two lattes – only $5­ – $7 extra dollars a month. One additional thing to note: we may require that you carry comprehensive and collision coverage in order to add roadside assistance to your policy.

If you’re not yet a Metromile customer, be sure to grab a free quote today. If you are a Metromile customer and don’t yet have roadside assistance coverage, what are you waiting for? Add it to your policy now! Be safe out there and see you on the roads.

Car Maintenance for the Low-Mileage Driver

If you’re already a Metromile customer, chances are that you’re a low-mileage driver. Only paying for the miles you drive is just one of the perks of being a Metromile customer and low-mileage driver. Another major perk of being a low-mileage driver? Getting away with less-often car maintenance.

Car-Maintenance-for-the-Low-Mileage-Driver

Are you Low-Mileage?

Wondering if you are a low mileage driver? As a general rule of thumb, you are most likely a low-mileage driver if you are clocking less than 600 miles per month or fall into the following categories:

  • You’re retired and no longer commute to and from work
  • You work from home and/or live close to work
  • You regularly use public transportation
  • You utilize a carpool
  • You have an extra vehicle that doesn’t get driven much

If you fall into one of these camps and realize that you don’t drive your car very often, there are some things you can do to ensure you’re getting the most bang for your buck when having your car serviced. So, without further ado… here are our best car maintenance tips for the low-mileage driver.

Car Maintenance Tips for Low-Mileage Drivers

  1. First things first: You’ll still want to take the car to your auto repair shop at least every 6 months to monitor the condition of your vehicle. Surprised? Things can go wrong if your car isn’t being driven regularly (yep, even if it’s garaged!).
  2. Only change dirty oil: Despite popular belief, oil only needs to be changed when it’s dirty. Check your oil dipstick once a month to keep tabs on the status of the oil. If it starts to look black (instead of a golden color), it’s time for an oil change.
  3. Drive the car at least once a month: At a minimum, you should be starting up your engine and driving your car on the highway for at least 15 miles once a month. This will ensure all fluids are flowing properly and keep your car running smoothly for years to come.
  4. Check for furry visitors: Car engines make yummy little homes for furry creatures like mice, squirrels, and rats, especially during the colder months. Check the condition of the fuel lines and other rubber components under the car to make sure they are not being chewed or eaten.
  5. Install a carbon eliminator: Add a carbon eliminator to your gas tank yearly to avoid carbon build-up. What is a carbon eliminator, you ask? It removes tough carbon deposits from rings, valves, ports and combustion chambers to improve engine performance, reduce fuel consumption, restore power and extend engine life.
  6. Do the following every six months:

    1. Have your car placed on a lift for a tire inspection. This ensures your safety every time you hop in the car. While your car us up on the lift, check the undercarriage and tires for dry rot, damage, etc.
    2. Check the air filter and ventilation system. In addition to the engine, both the air filter and the ventilation system can make great homes for all sorts of furry creatures.
    3. Check all the fluids. In cars, both the antifreeze and brake fluid deteriorate with age. Checking these every six months ensures that everything is in working order.

Things You Don’t Actually Need to Do

As it turns out, there are things that a low-mileage driver like you just doesn’t need to do very often (or at all). You should just about never need to use nitrogen in your tires (which will save you an extra $5 per tire). You also will never need to flush your transmission fluid, because most car manufacturers now use 100,000-mile (or “lifetime”) fluid. Additionally, modern coolant and antifreeze is also meant to last for the lifetime of the car and will save you about $50 to $100 in changes.

An example of unnecessary car maintenance for the low-mileage driver is changing the engine oil too often. As a car owner, it used to be the norm to schedule in an oil change every 3,000 miles. However, with modern lubricants, most newer engines have recommended oil change intervals of 5,000 to 7,500 miles. If your engine requires full-synthetic motor oil, it might go as far as 15,000 miles between services. For us low-mileage drivers, that means an oil change once every two years or so!

Maybe when you were reading this article, you realized that you might be a low-mileage driver. Awesome! Hopefully, you found these car maintenance tips useful and be sure to grab a free quote from us (if you’re not already a part of the Metromile fam!). If you are already a member of the Metromile fam, share us with all of your friends and family and get $25! As always, stay safe out there 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

How To Prevent Teen Driving Accidents

As a teenager, there’s nothing more exciting than getting your driver’s license. You practice for months, take the test, and BAM – you officially have your freedom! As a parent of a teenager, however, there’s nothing scarier than your teen getting their driver’s license. Not only does your child now have the keys to your car, but you have now been saddled with an extra expense – adding your teen driver to your car insurance policy.

As adults, we all wonder why car insurance costs so much for ourselves – but we all know one thing for sure: why it costs so much for our teen drivers. Teen drivers get into more accidents than any other section of the population. In fact, individuals aged 15 – 20 years make up 6.7% of the total driving population, but are involved in 20% of all crashes and 14% of motor vehicle deaths. With school back in session and a whole new group of teenagers turning 16, we want to arm you with the best tips for preventing accidents in teen drivers.

Some Stats

Teen driver statistics are grim. The overwhelming majority (75%!) of serious teen driver crashes are due to “critical errors,” with three common errors accounting for nearly half of these crashes:

  1. Lack of scanning that is needed to detect and respond to hazards
  2. Going too fast for road conditions
  3. Being distracted by something inside or outside of the vehicle

The majority of newly licensed teen drivers exit the learner’s permit period without basic driving skills mastered, leading to a much higher risk of crashing (compared with more experienced drivers). The most common types of crashes in teen drivers involve left turns, rear-end events, and running off the road.

10% of all teen driving fatalities in 2016 involved distracted driving. Even more disturbing, in crashes involving a distracted teen driver, 51% of fatalities were teens themselves. Of the 451 young drivers killed who had alcohol in their systems, 368 (82%) were at .08 g/dL or higher (past the legal driving limit for adults 21+). Of crashes with available seat belt usage information, 47% of teen drivers killed were unrestrained at the time of the crash.

However, there is a bright spot in all of these grisly stats. 12 states (AZ, CA, VA, MA, NV, IL, NJ, MN, GA, FL, VT, and MO) reduced their teen driver-related fatality rates by more than 50% between 2005 – 2006 and 2009 – 2010.

Top Drivers of Teen Car Accidents

There are more than a few reasons why teens are the most likely group to get into a car accident. Here are the top reasons:

  1. Distracted driving: This includes engaging in any type of activity that takes their eyes and mind off the road, such as using a phone, eating, adjusting the radio, and chatting with passengers.
  2. Driver inexperience: Teens with less than two years of driving experience do not have the know-how to recognize and react to dangerous situations, and crash risk is particularly high during the first months after earning a license because teenagers are excited to hit the roads unsupervised – yikes!
  3. Driving under the influence: In general, teenagers are more prone to engage in dangerous behaviors while driving, and almost 25% of teens report that they are willing to ride with a driver who has been drinking (a very scary thought!). Combined with lack of experience, driving while under the influence of alcohol becomes a common cause of teen car accidents and deaths.
  4. Reckless driving: Male teenagers are especially at risk for being involved in fatal reckless driving accidents. The reckless driving behaviors include making illegal turns or lane changes, tailgating, and street racing.
  5. Driving with teen passengers: Studies have shown that the presence of teen passengers can increase a young driver’s risk of driving under the influence of drugs or alcohol and engaging in reckless driving through peer pressure.
  6. Texting and driving: Texting and driving has become a major cause of auto accidents involving teens. In addition to texting, using social media while driving creates the same level of distraction for young drivers.

Car Accident Prevention Tips

Now that we’ve laid down the facts, let’s talk about some ways that we can prevent teen car accidents.

  • Develop the right attitude. It is crucial to instill the right attitude towards driving in teenagers. As a parent, make a commitment to yourself and your child to teach them a responsible driving attitude. You owe it to your child, their passengers, and everyone else on the road.
  • Log hours of practice. Take an active role in your child’s practice driving. Make a firm schedule and have them stick to it, and continue this all the way up until their driving exam.
  • Slow and steady. When your teen begins driving, avoid high volumes of fast-moving traffic. Once they become more comfortable behind the wheel, you can gradually introduce more difficult driving situations, such as merging onto a highway or driving in the city.
  • Cell phones are for emergency use only. Be absolutely clear with your teen to make sure that they understand: they must always pull over to the side of the road if they need to use their cell phone in a driving emergency. Otherwise, it could cost them or someone else their life.
  • Stress dangers of drinking and driving. Many teenagers find ways to obtain alcohol before they turn 21 (yes, even your teenager!). Teens may not realize they don’t have to be legally drunk to become risky drivers. Regardless of blood alcohol concentration levels, they are more likely to get into a car accident and become injured or die.

Together, we can reduce these grim teen driver statistics and make the roads a safer place for everyone. If you’re already a Metromile customer and have a new teen driver in your home, add them onto your policy in a snap. If you’re not yet a Metromile customer, consider making the switch or getting a policy for your teenager (who is most likely a low-mileage driver!). The quote is always free, so grab a quote today. As always, stay safe out there 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

How to Save Money On Gas (Hint: It Involves Your Metromile App)

Owning a car is expensive. Between car maintenance, insurance costs, gas, and countless parking tickets (Just us? Oh, okay), it all adds up – quickly. But you know what also adds up quickly? Savings. Here at Metromile, we’re all about saving money on your most expensive, money-wasting bills *ahem traditional car insurance ahem*. Every day we strive to bring you savings on your car insurance, and today we’re giving you our best tips on saving money at the pump.

Spoiler alert: we’re also letting you in on the best ways to utilize your Metromile app to save on gas.

How to Save Money On Gas

Ready? Buckle up and let’s get truckin’ onto the good stuff.

Why Is Gas So Expensive, Anyway?: A Brief History

Back in 1970, gas was only $0.36 per gallon in the United States. If you were around back then, you may remember the most famous and shocking impact on the oil economy: the energy crisis of the 1970s. Prices of gas shot up from $3 to $12 per barrel, and OAPEC (the Organization of Arab Petroleum-Exporting Countries) shattered policy-makers’ assumptions about their reliance on American trade. The average American driver went from paying $0.36 per gallon at the pump in 1970 (which is equivalent to about $1.72 per gallon in today’s dollars) to $1.19 per gallon in 1980 (which is equivalent to about $2.95 per gallon).

However, the worst gas prices in U.S. history came less than a decade ago – topping out at an average of $3.64 per gallon in 2012 (equivalent to $3.80 per gallon today).

Lastly, we cannot forget the very rapid gas price increase preceding the 2009 recession. Even America’s most erratic price jumps from past decades pale in comparison to the crazy jumps from 2002 to 2008, when gas prices climbed steadily until the recession. While Lehman Brothers and the housing market crash were much to blame for the collapse, the spike in gas prices didn’t help.

Tips For Avoiding Pain at the Pump

  1. Drive less. If you’re a Metromile customer, chances are that you’re already a low-mileage driver. If you haven’t joined yet, consider reducing your miles driven for one month by taking public transportation, using ride-sharing apps, or carpooling. You’ll be surprised at how much you can save on gas by simply filling up less often!
  2. Turn off the engine. If you’re picking someone up, turn off the engine while you wait for them. The same thing goes if you’re stuck in traffic and haven’t moved in a few minutes, or you’re waiting at a drive-thru. You’d be surprised at how far you can stretch a tank of gas just by being cognizant of how long you’re idling the engine. Idling is both a major waste of gasoline and a top contributor to pollution in the atmosphere. By turning your engine off, it’s a win-win for both your wallet and the environment!
  3. Use the Metromile app to track your routes. If there’s a particular route you drive daily or weekly, check out your past trips in the Metromile app to see if there’s a faster or more efficient route to take. Even if it’s only by a little bit, every mile counts – and a mile saved is a mile earned!
  4. Figure out the best way to pay. Many gas stations advertise a cheaper price per gallon if you pay with cash. This is because it costs the station less to process a cash transaction and they want to encourage more people to pay with cash instead of cards. Depending how much gas you’re getting, you may end up saving a few dollars per fill-up if you pay with ca$h money!
  5. Don’t drive aggressively. Aggressive driving (rapid acceleration, high cruising speed and braking sharply rather than coasting) is by far the biggest culprit in gas-guzzling. Using a sedan, an SUV, and a truck, a test showed that motorists who adopted a “calm,” non-aggressive driving style could save 33% to 38% on gas. That’s a huge cost savings!
  6. Use your smartphone. Using apps like GasBuddy and Gas Guru, you are able to find the cheapest gas in your area. You can also use the Maps app on your smartphone to check the traffic before you leave the house to avoid wasting gas while idling in traffic. Also, you can use the Metromile app to track and optimize your trips!

Hopefully, our tips will help save you some coin next time you’re filling up at the pump! To all our customers: if you haven’t downloaded the Metromile app, you’re missing out on some seriously awesome gas-saving opportunities! If you’re a low-mileage driver who hasn’t made the switch yet – what are you waiting for? Grab a quote from us anytime, because it’s always free. Be safe out there 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

What the F-NOL?

If you’ve been reading the Metromile blog for a while (hey, thanks!), then you’re probably a veritable expert in all things coverage and claims related. You can likely school your friends and family on what “comprehensive” coverage really means, and it’s a safe bet you know what to do in the event of a minor fender bender. Now that you’ve mastered the basics, you’re ready to graduate to the next level and learn the answer to an age-old question: what the F-NOL?

What is F-NOL?

Let’s break it down: a FNOL is a First Notice of Loss or First Notification of Loss. The “loss” in this instance refers to the insured product, which—unfortunately—is your vehicle. You may not even know it, but if you’ve ever contacted your insurance provider about a theft, loss, or damage, you’ve filed an FNOL.

The FNOL is a critical piece of the post-accident/incident process, both for you and your insurance company. In some cases, it’s a requisite first step in the formal claim process because it alerts your insurer to the situation and it gives you the opportunity to quickly and accurately report the details of the theft or destruction. But let’s be honest—most of are anything but cool, calm, and collected following a robbery, accident, or vandalism. You’ll want to get going on your FNOL as soon as possible, but you’ll likely want and need a system that’s simple to navigate and won’t cause your already-elevated stress levels to skyrocket.

Metromile’s First Notice of Loss

Luckily, some insurance companies have evolved to offer a simpler, streamlined, super-convenient FNOL process. Metromile is leading the pack. Rather than relying on an antiquated call center system to address your immediate questions and concerns, Metromile has AVA, a smart, savvy AI claims system who can accurately verify claims in seconds. Using Metromile Pulse sensor data, AVA is able to reconstruct the scene of an accident to verify claim details. Once claims are verified, she can also help process payments, locate local repair shops, schedule rental cars, and more.

Thanks to AVA’s impressive intelligence, she’s able to guide you through the FNOL process, one step at a time. Unlike other insurance companies that require customers to figure out the FNOL process solo, Metromile provides support from beginning to end. While Metromile drivers are welcome to submit FNOLs over the phone, they also have the options of filing online or through the Metromile app (because in stressful times, an array of easy options is great). And as AVA gets smarter, she may one day even be able to submit FNOLs for drivers in their absence, meaning she’d kick off your claims process even if you weren’t present for the theft or damage.

Until then, AVA and everyone behind the scenes at Metromile has your back and is here to take the WTF out of FNOLs and more. Need more info? Visit the Metromile Help Center to get answers to some of the most frequently asked questions. And if you’re ready to get a personalized quote, talk to a qualified agent by calling 1.888.242.5204. Already a customer? Awesome! How about spreading the love? Refer a friend, and you’ll receive a $25 Amazon Gift Card when they get their verified 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.

What To Do If You Get into An Accident With an Uninsured or Underinsured Driver

It’s not exactly a fun way to pass the time, but do you ever think about what you’d do in the event of an accident? If you were the one responsible (hey, it happens to the best of us), you probably know the steps to take to get the claims process going. And if you’re involved in an accident caused by another party, you’ll want to get up to speed on filing a claim with the other driver’s insurer. But in both those instances, someone’s insurer is there to cover costs and facilitate the process. So what happens if you’re hit by a driver who doesn’t have adequate coverage—or worse yet, doesn’t have coverage at all? That’s where uninsured and underinsured motorist coverage comes into the equation.

What To Do If You Get into An Accident With an Uninsured or Underinsured Driver

What is Uninsured and Underinsured Motorist Coverage?

Just like its name suggests, uninsured and underinsured motorist coverage (sometimes called UM/UIM) exists to protect you in case another driver hits you and doesn’t have the coverage to pay up for costs and damages. This type of coverage also comes in handy in case of a hit-and-run crash — if another driver hits you and takes off, uninsured and underinsured motorist coverage will ensure you’re not left on the hook for all of your expenses. Whether you have medical bills, car repair payments, or both, this type of coverage will prevent you from having to pay for everything out-of-pocket.

Even if the at-fault driver in an accident has coverage, it may not be enough to cover your costs. Their liability limits may be too low to pay for your bills, or their limits may be less than or equal to your UM/UIM coverage limit. In both those scenarios, uninsured and underinsured motorist coverage can be a lifesaver.

While this type of coverage may sound like a no-brainer-must-have addition to your policy, not all states make it mandatory. In fact, only 21 states and the District of Columbia require uninsured and underinsured motorist coverage by law. And if your state doesn’t mandate it, and you’ve never had a reason to know about it, you might wind up with an unpleasant surprise in the unfortunate event of an accident — after all, according to the Insurance Information Institute, one in eight drivers is uninsured.

The Different Types of UM Coverage

Now that you understand the logic behind UM/UIM coverage, it’s time to get familiar with the two distinct types of UM that exist:

  1. Uninsured Motorist Bodily Injury (UMBI):
  2. UMBI can help cover the costs of medical bills, lost wages, and pain and suffering for people who are protected under your policy (like family members in other cars or passengers in your insured car) if they’re involved in an accident caused by an uninsured driver.

  3. Uninsured Motorist Property Damage (UMPD):
  4. UMPD can help pay for the damage done to your vehicle if you’re hit by an identifiable uninsured driver (though it’s not always applicable to hit-and-runs). This type of coverage isn’t available in all states, and if it is available in your state, it may not cover hit-and-runs, so be sure to talk to a licensed agent about your specific location and situation.

Some states require drivers to have UMBI and/or UMPD:

  • UMBI coverage is required in: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Nebraska, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Oregon, Rhode Island, South Carolina, South Dakota, Vermont, Virginia, Washington D.C., West Virginia, and Wisconsin.
  • UMPD coverage is required in: Maryland, New Hampshire, North Carolina, South Carolina, Vermont, Virginia, Washington, D.C., and West Virginia. It’s also required in Alaska, Arkansas, California, Georgia, Indiana, Louisiana, Mississippi, Rhode Island, Tennessee, Texas, and Washington, but drivers are allowed to reject it if they submit a written request.

Coverage limits (the total amount an insurance company will pay for a single accident or claim) vary greatly by the insurer and state. There are also different coverage minimums in states where UMBI and/or UMPD are required. For example, in California, the minimum for UMBI coverage is $15,000 per person/$30,000 per accident, and the minimum for UMPD coverage is
$3,500. It’s important to talk to a licensed agent so you know the limits in your specific state.

Do You Really Need UM/UIM Coverage?

Of course, tacking on UM/UIM coverage does come with an added cost. So if you’re on a tight budget, how do you decide if it’s right for you? It might be worth considering the following factors:

  1. The number of uninsured drivers in your specific state (live in Mississippi, New Mexico, Michigan, Tennessee, or Florida? You’ll want to check out those stats).
  2. The minimum liability coverage your state requires is low, and your vehicle is worth a lot.
  3. The thought of being involved in a hit-and run (even as a pedestrian, since that’s included) keeps you up at night.

So what is the added cost of UM/UIM coverage? Like pretty much everything in the world of insurance costs, it depends. A lot of pieces of info are factored into the cost of your coverage, like your age and location, claims history, chosen limits, and the type of vehicle you drive. In general though, you can expect UM/UIM coverage to make up about 5-10 percent of the total cost of your premium.

Still Have Questions?

This stuff can get confusing, so if you still have questions, it’s totally understandable. And it’s likely other drivers have those questions too — that’s why Metromile has a Help Center that houses some of the most frequently asked questions, including those about UM/UIM coverage. If you can’t find the answers you’re looking for there, no problem. The licensed agents at Metromiles are available to answer your questions, provide a free quote, and address any concerns you may have. If you’re an existing customer, call 1.888.311.2909, and if you’re looking to start a new policy, call 1.888.242.5204. No matter whether you’re new to the Metromile family or just looking to better understand your policy, visit www.metromile.com and find out why having the right kind of coverage for your life and budget matters.

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.

All Your Pulse Device Questions, Answered

As a disruptor of the traditional insurance industry, it may come as no surprise that we get a lot of questions. We get it – insurance is confusing, technology can be confusing, and people want to know how it all works. Here at Metromile, we’re all about giving the people what they want. The key to pay-per-mile car insurance is the Pulse device; it’s what securely counts your miles so we can bill you appropriately.

All Your Pulse Device Questions, Answered:

Today, we’re taking a deep dive into the Pulse – what it is, what it does, and how we use it to save you hundreds on your car insurance.

A Brief Background on Telematics

Telematics is the technology of sending, receiving, and storing information relating to remote objects, like your car, through telecommunication devices, such as a cell phone, a GPS system, or our Pulse device. Telematics technology can track how many miles you drive and can also measure driving behavior. Telematics is what enables Metromile’s insurance – and without it, pay-per-mile simply would not be possible.

The combination of a GPS system with onboard diagnostic technology can show you a car’s location and the trips the car has taken. Basically, it is the technology used behind the wheel to give the driver information about their car or where they are going utilizing both internet and satellite connectivity. The first form of telematics started with navigation systems, eliminating the need for printed directions and old-fashioned maps. Instead, drivers were able to use the easy navigation system set up in their car. Telematics has since expanded to alerting drivers about their fuel levels (fuel monitoring) and traffic alerts. Telematics technology can even help drivers with roadside assistance and enable satellite radio.

How the Pulse Actually Works

Metromile uses a telematics device called the Pulse: a small electronic gadget that plugs into your car’s diagnostics port and collects data about your driving. This isn’t a new concept: many insurance companies use telematics to track their customers’ habits behind the wheel, such as average speed and instances of hard braking. But Metromile only charges you based on your mileage, not driving behavior. We believe the biggest risk factor for getting into an accident is mileage – if you aren’t on the road, you won’t get into any accidents. As such, our primary rating factor is mileage, not driving behavior.

Metromile gives you insight into your car’s health, location, and driving data – like fuel economy and trip data – through the Metromile Pulse. The Pulse uses telematics technology, which connects to a cellular network, to transfer the data collected from the car into our smart driving app. The app will notify a customer if the Pulse detects an error code from the vehicle. This code could be related to an engine, exhaust, or some other type of sub-system within the vehicle. The customer can tap on the engine code within the app to reveal an overview car that provides a detailed description of the issue along with the severity of the case. The customer can also check the health of their car at any time within the app by tapping on the car avatar on the overview screen to see a list of any codes and previously found codes.

Frequently Asked Questions – Answered

  • What is the Metromile Pulse?
    The Metromile Pulse is a small, wireless device that plugs into your vehicle’s onboard diagnostics port (OBD-II). Once you become a Metromile customer, we will ship a Pulse device to you for you to install in your vehicle. Don’t worry – installation is easy. See the tutorial below on how to install the Pulse in your vehicle.

    Once in place, the Pulse securely counts your miles to determine your total monthly bill. The Pulse works directly with Metromile’s smart driving app, supplying added features like trip tracking, monitoring your vehicle’s health, and a GPS vehicle locator.

  • What does the Pulse do? How does the Pulse work?
    The Pulse is the key to pay-per-mile insurance. The Pulse is able to use your GPS location to count your daily mileage, decode Check Engine Light readings, and act as a GPS device. The Pulse is powered by telematics technology, which sends, receives, and stores your car’s data. You can also make use of this data through Metromile’s smart driving app.
  • Can I get a Pulse device if I’m not a pay-per-mile insurance customer?
    Sadly, no. Currently, we only offer Pulse devices to Metromile pay-per-mile insurance policyholders. You can learn more about pay-per-mile car insurance here.
  • Is it mandatory to plug in the Pulse?
    The Pulse must be plugged into your car at all times so that mileage can be accurately measured and billed. There are exceptions, however. For example, when you get your car serviced, it’s okay to remove the Pulse so that the mechanic can access the OBD-II port. If your Pulse stops transmitting a signal to Metromile at any time, you will receive a notification via email alerting you to plug the Pulse back in.
  • Do I need to plug in the Pulse before my insurance can be effective?
    You are covered as of the effective date of your policy, whether or not your Pulse device is plugged in. As you near your policy effective date, we will ship your Pulse device to you, be sure to plug it in as soon as you receive it. You will receive email reminders once you receive your Pulse device to plug it in to avoid penalty charges.
  • Will the Pulse drain my car’s battery power?
    Not to worry – the Pulse device should have little to no effect on a healthy car battery. Even if your car isn’t being driven, the pulse will not drain a healthy battery.
  • Does the Pulse sync with my smartphone?
    The Pulse operates independently by transmitting data securely through a cellular modem and does not sync with your smartphone. In order to set up the Pulse, plug the device into your OBD-II port and check to see if there is a pulsing red/orange light. That’s it. Once you see the light, the Pulse has been connected and is securely sharing your car’s mileage data with Metromile.

    Even though the Pulse does not sync with your smartphone, Metromile does offer a smart driving app that works in conjunction with the Pulse. The app keeps you up-to-date on your car’s health, tracks your car’s location with GPS features, and sends street sweeping alerts in select cities. It’s just another bonus we love to provide to our loyal customers.

  • Can I turn off location tracking on my Pulse?
    Absolutely. To disable the GPS function on your Pulse, navigate to your online dashboard. Click the small arrow pointing down in the upper right-hand corner next to your account avatar. Go to ‘Account Settings’ and switch ‘Location Services’ from ‘Yes’ to ‘No.’ Please note: this will also disable Metromile’s smart driving app features such as trip tracking and street sweeping notifications.
  • What happens if I unplug the Pulse?
    If you unplug the Pulse for any reason, you will receive alerts to your email associated with your Metromile account asking you to plug the device back in. For all pay-per-mile insurance customers, the Pulse must be plugged into your car at all times so mileage can be accurately measured and billed. We understand that there are times when you may need to unplug the Pulse, like when you get your car serviced. Don’t sweat it — it’s okay to remove the Pulse so that the mechanic can access the port. Be sure to plug the Pulse back in once your service has been completed.
  • If I cancel my insurance policy with Metromile, can I still keep the Pulse?
    If your insurance policy is canceled for any reason, you will need to return the Pulse to Metromile using a provided pre-paid envelope. If we do not receive your Pulse within 30 business days, your pre-authorized debit or credit card on file will be charged a $100 fee.
  • Are there any security vulnerabilities in the Pulse device?
    We take the security of our products and services very seriously and actively work to ensure that our products are safe and provide benefits to our customers.
  • My Pulse was stolen or not delivered. What do I do?
    If your Pulse device was never delivered or stolen please give us call at (888) 244-1702, 6am – 6pm Pacific Time, Monday – Friday to update your shipping information and get a new device mailed out.
  • What do I do with the Pulse device if I sell my car and/or get a new car?
    Please be sure to remove the device before you sell your vehicle. If you are replacing your old vehicle with a new one, you can use the same device from your previous vehicle in your new car. Please either contact us or navigate to your DASHBOARD to add the new vehicle to your policy.
  • What if I rent a vehicle? Do I need to install the device?
    When renting a vehicle you are not required to plug the Metromile Pulse device in, so please leave that device plugged into the vehicle listed on your policy.

Still Have Questions?

Got any lingering questions we didn’t cover? Give us a call at 1.888.311.2909, send us a DM, or Tweet at us. If you haven’t yet downloaded the Metromile smart driving app, you’re missing out on some majorly cool features, such as trip tracking, vehicle diagnostics, parking location, and more! Click here to download for your iPhone, or here to download for your android. If you’re a low-mileage driver who hasn’t made the switch to Metromile yet – what are you waiting for? Grab a quote from us anytime, because it’s always free. Be safe out there 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

How to Choose the Right Liability Coverage Levels for your Budget and Lifestyle

Every driver knows car insurance is a non-negotiable must. But “car insurance” can mean a slew of different things, depending on the type of coverage you choose. And a lot of factors—like your budget, lifestyle, and vehicle—can affect your choices. Whether you’re a seasoned pro behind the wheel or a first-time driver just learning the ropes, you’ll want to know the ins and outs of some major coverage types so you can select the perfect plan for you.

How to Choose the Right Liability Coverage Levels for your Budget and Lifestyle

Get To Know The Different Types of Liability Coverage

There are many different types of coverage, but three major terms to know are liability, property damage, and bodily injury:

Liability Coverage:

Liability Coverage is the basic coverage level required for most drivers in the United States. If you cause an accident, your liability coverage will pay for damages to the other party’s vehicle and/or any bodily injuries they sustained (at the levels chosen). Each state has minimum required liability limits, but it might be worth purchasing a policy with higher limits to make sure you’re better protected. Better protection might mean a higher premium, but it can pay off if you end up needing to use it—if the damage caused in an accident exceeds your coverage limits, you could be held responsible for the remainder. There are two types of liability coverage:

  1. Property Damage (PD) Coverage is a specific type of liability coverage that covers damages to things (that don’t belong to you). This type of coverage pays for any type of tangible property, including the other driver’s car, or any other pieces of property that may have been involved in an accident you caused, like a building, pole, garage, etc. Some states require drivers to have a predetermined minimum amount of this coverage.
  2. Bodily Injury (BI) Coverage is required by most states, and it covers damages to people (again—not including you). If you cause an accident, BI coverage will pay for costs related to any injuries or deaths. It covers costs for things like medical treatment, rehabilitation, and funeral costs, as well as costs related to mental or emotional distress that results from bodily injury. If you’re sued for causing an accident, BI coverage may also pay for lawyer’s fees. Depending on the state you live in, you may be required to have a predetermined minimum amount of BI coverage.

One of the most important things to know about any type of liability coverage is what it doesn’t cover. If you cause an accident, PD won’t cover any damages to your vehicle, and BI won’t cover any medical expenses you or your passengers might incur. Liability coverage is solely meant to protect other parties in the event that you cause an accident. The good news is, there are plenty of other types of coverage that can come in handy in these unfortunate events.

How To Tell if You Really Need Property Damage, and Bodily Injury Coverage

Now that you know what these specific coverage types are for, how do you know if they’re right for you? And how much do you really need, anyway? It’s important to consider two big factors when choosing your coverage: your state’s legal requirements and your own financial limitations.

The Legal Stuff

First, let’s start with the legal side of things. No matter which state you’re driving in, liability coverage is most likely a must. It’s mandatory in nearly all states, and even in states where it’s not required, there are financial-responsibility laws that can be met by purchasing it. The state-mandated minimums are generally lower than many people would want ($20,000 to $30,000 for bodily injury to one person, $50,000 for all people hurt in the same accident, and up to $25,000 for accident-related property damage).

The Money Stuff

The next important factor to consider is your budget. The state requirements for liability coverage are pretty modest, so it’s always a good idea to purchase more protection if you can afford it—especially if you own a home and have other assets you want to keep safe in case of a devastating accident and subsequent lawsuit. Do you have a sizable savings account? A valuable vehicle? All those details matter when deciding how much coverage you need.

Different insurance companies have different maximum limits for liability coverage—Metromile offers limits of up to $250,000/$500,000. But don’t worry—opting for more coverage doesn’t mean you’ll be draining your bank account (especially if you’re with Metromile where low-mileage customers save an average of $611 per year); the more liability coverage you buy, the less expensive it is to add additional coverage. The best way to understand how these costs are broken down into a monthly bill is to connect with a licensed agent and receive a customized quote.

When you’re doing the math to figure out your spending limits, don’t forget one other important factor: your deductible.

Your deductible is the out-of-pocket cost you agree to pay before coverage kicks in. You have the ability to choose your deductible amount and liability protection—working with an agent will help you pick the best plan for your unique situation.

Get The Right Amount of Liability Coverage Today

Still have questions? Visit the Metromile Help Center to find answers to some of the most common coverage questions. If you’re in need of a new insurance company that fits your lifestyle and budget, visit metromile.com or call 1.888.242.5204 for a free quote. And if you’re already a customer and ready to learn more about liability coverage, visit the site or call 1.888.311.2909 for more info. Whether you’re new to Metromile or a just expanding your knowledge, there are experts available to guide your way.

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.

Building a Better Claims Experience, From the Ground Up

From a driver’s perspective, filing an auto insurance claim with most traditional insurance companies isn’t usually as straightforward as it logically should be. The scenario that got you there in the first place was probably anything but pleasant, resulting in a crash, an injury, or worse—both. And of course, the process that follows those unfortunate events can be pretty painful, involving a lot of back and forth, endless piles of paperwork, and most likely a major headache (or even three).

Building a Better Claims Experience, From the Ground Up

So Metromile decided to build the best possible claims system imaginable—from the ground up. They saw the opportunity to use technology to optimize the entire claims process by eliminating any friction claimants experience. That’s why Metromile made the bold move in August 2016 to go off the beaten path and create an entirely new claims system.

How Auto Claims Work (In The Old School Insurance World)

Once you’ve gotten over the initial shock of an accident and you submit a claim to your insurance company, the claim has to go through an investigation process that leads to settlement. The process itself can vary depending on factors like the company’s policies, the nature, and severity of the accident, and whether the accident involved injuries, property damage, or both. But overall, the traditional process has always been pretty consistent:

  1. First, a claims adjuster is assigned to your case. They’ll review your policy and may contact you for some details about the accident. They may request a copy of the police report, contact the other driver involved, and talk to any listed witnesses. They may also inspect your car for damages, take photos, and even visit the scene of the accident. If there was medical care involved, they may need you to sign a medical release form so they can review your records, and they may contact your medical providers for information about your injuries.
  2. Once your adjuster reviews all records and other information, they’ll determine fault. What you may not know: according to the laws of some states, fault isn’t an all-or-nothing issue. Your adjuster may find you to be partially at fault and therefore hold you partially responsible for the accident. For example, if they decide you’re 80% responsible, and the other driver is 20% responsible, your company may pay 80% of the settlement while the other driver’s insurance company covers the remaining 20%.
  3. Your insurance company will negotiate with the other driver’s insurance company to figure out who is ultimately responsible for the damages. If it’s determined that the other driver was at fault, your insurance company may seek payment from that person’s insurance company.

Add to the equation the issue of communication. It’s pretty near impossible to cover all the necessary details in one single phone call or email, so adjusters and claimants will often have to go back and forth (and back and forth and back again) to cover all the ground necessary. This would only be a minor headache if everyone were on the same schedule, but as you can imagine, there’s a whole lot of phone tag taking place in these interactions, which limits the amount of productivity and progress. Talk about a frustrating experience.

How Metromile Uses Data, Science, and Technology to Build the World’s Best Claims Experience

At this point, you’re probably tearing your hair out wondering how anything ever gets done in the traditional claims system. The Metromile team wasn’t too pleased with the process either. That’s why the company decided to go in new direction. Meet AVA.

AVA is Metromile’s AI claims system. She’s able to accurately verify claims and works with our adjusters to quickly resolve them. How does she do it? AVA automates anything that doesn’t require a human touch, so she collects details to help you file, guides you through collecting damage photos, and helps you get paid as soon as possible.

To make this all possible Metromile uses a device called the Metromile Pulse to monitor time on the road (this is how your mileage costs are calculated). AVA uses similar data from Pulse (with your permission) to reconstruct the scene of an accident to help figure out what exactly happened. She can also help connect policyholders with repair shops participating in the AVA open shop program and are located near the zip code of the vehicle’s last location. And if the policyholder has rental coverage, AVA can offer the option of reserving a vehicle through a local Enterprise-Rent-A-Car location on the Metromile online dashboard. Policyholders can even gain access to and schedule an Enterprise shuttle for pick-up from the repair shop or another specified address.

But if all this sounds a little too sci-fi, don’t freak out: just because Metromile has the amazing AVA doesn’t mean the company is all 0s and 1s behind the scenes. Metromile has a dedicated claims team made up of industry experts who work tirelessly to ensure customers get back on the road as quickly as possible. In fact, a lot of the work AVA does directly helps the claims adjusters so they better understand what happened in any situation.

Building an innovative claims process isn’t easy. And Metromile knows that. But we aren’t really interested in going the simple route—instead we are dedicated to providing low-mileage drivers coverage that’s fair, affordable, and high-quality. If you’re already a customer, explore metromile.com and get to know all the unique features that make Metromile the right provider for you. And if you haven’t made the switch yet, head to the website for a free quote and find out how you can take the pain out of the claims process (and so much more).