Busting The 3 Biggest Car Insurance Myths

You don’t have to have an adversarial relationship with your insurance company. Metromile can help you save money and get back on your feet sooner after an accident with new technology.

The COVID-19 pandemic has many drivers rethinking car insurance.

After a year of quarantine and shelter-in-place orders, many drivers wonder why they should pay so much for car insurance they barely use anymore.

While you explore your options, Metromile is here to help.

You might have heard that Metromile’s pay-per-mile insurance policies can save low-mileage drivers money. But what you might not have realized is that our innovative technology also makes it easier to file claims.

So let’s take a look at three of the biggest myths you might have heard about the traditional car insurance claims process and what Metromile can do about it.

Myth #1: My insurer won’t believe me if I get into a hit-and-run accident.

If you’re a Metromile customer, you won’t have to worry about this. We’ll look into your auto insurance claim fairly.

Unlike traditional auto insurance companies that are forced to play catch up after a car accident, Metromile already knows what happened because our Pulse device can serve as a “virtual witness” and confirm the details of your report.

Metromile’s AI claims assistant, known as AVA, can verify where and when an accident occurred and even how hard the impact was. AVA collects details to help you file your claim quickly, and in some cases, can even ensure quick payment and help schedule needed vehicle repairs

Hit and runs are bad enough without having to prove your role as the victim.

Myth #2: With car accidents and insurance claims, it’s always a “my word against theirs” situation

As a virtual witness, AVA can help confirm your side of the story, even if the other driver tells the police a different version of events. AVA can even help reconstruct an accident scene, thanks to sensor data from the Metromile Pulse, our device that plugs into your car’s OBD-II port.

Our data scientists created AVA to utilize machine learning and improve the customer experience.

Myth #3: Filing a claim is complicated and takes forever.

With traditional auto insurance companies, that might be true. But Metromile seeks to make filing claims stress-free.

You probably already use your phone to network, order food, and maybe find the love of your life. Wouldn’t it be awesome if you could also file a claim, locate a repair shop, book a rental car, and get paid all with a few swipes? 

You absolutely can with the Metromile app. Unlike other insurance companies that might make it difficult to file a claim or continue the process online, Metromile customers can work through most claims from their mobile phones. Some claims can even be resolved in as little as a few hours without you ever leaving your couch. 

The bottom line

You don’t have to sacrifice coverage or good service with Metromile. Metromile customers can save by switching to pay-per-mile auto insurance and benefit from the latest technology, including artificial intelligence, which can help you get on your feet quickly after a claim.

You can see if Metromile is right for you with Ride Along™. Download the Metromile app to get started with Ride Along. You’ll get a free auto insurance quote and drive as you typically would for about two weeks. (You’ll keep your current coverage, as Ride Along isn’t an insurance policy.) Then, we’ll show you how much you could save with an accurate rate based on your actual driving. 

We think this will help you understand if you can save money before you switch insurers.