Metromile How-To: Self-Service Endorsements

Metromile is committed to making car insurance more accessible and easier than ever before. We know insurance can be confusing, but our goal is to simplify the whole process. We want to save our customers the time and hassle of having to manage their insurance policy, and instead give them the peace of mind of knowing Metromile has your back, no matter what. But we also understand that your insurance needs may change over time; you may get a new car, move in with a boyfriend, or even sell an older car. Did you know that with Metromile you can make changes to your policy online or right from your mobile app? Save your precious time and add your vehicle or change your address with a few clicks of your fingers.

Trying to get the hang of how to navigate your Metromile online dashboard? Maybe you would place yourself in the not so tech-savvy category? Don’t worry we put together steps on how to complete several different changes (what we call “endorsements”) to your Metromile policy.

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How to Make Changes to Your Metromile Policy: Self-Service Endorsements

The first step is to be logged into your account. All changes can be made by clicking the “Policy” tab at the top of the page.

Adding/removing a vehicle:

    1. Click the ADD OR EDIT VEHICLES button.
    2. A screen will pop up to type your password in.
    3. You will be taken to the Edit Policy page.
    4. If you want to ADD a New Vehicle:

    • click ADD NEW VEHICLE, enter your new vehicle information in.
    • Select NEXT.
    • The following screen will be the VEHICLE COVERAGE screen. Your rates will update on the right hand side.
    • Select SAVE VEHICLE at the bottom.

    5. If you want to REMOVE a vehicle:

    • Click Remove.
    • A pop-up asking you to confirm changes will appear. Click ‘confirm.’

Adding/removing a driver:

    1. Click the ADD OR EDIT DRIVERS button.
    2. A screen will pop up to type your password in.
    3. You will be taken to the Edit Policy page.
    4. Click ADD A NEW DRIVER, REMOVE A DRIVER, or EDIT an existing driver.
    5. If you’re adding a new driver:

    • Enter in the driver information.
    • Click ADD DRIVER.
    • Rates will update on the right hand side.

    6. If you’re removing a driver:

    • Click REMOVE DRIVER.
    • A screen will pop up with a disclaimer to read.
    • Once reading it through to proceed push YES, REMOVE.

Changing Policy Coverages:

    1. Click the “Add or Edit Drivers” button.
    2. A screen will pop up to type your password in.
    3. You will be taken to the Edit Policy page.
    4. Under Vehicles in the Edit Policy page, you will a Policy Coverage section, push EDIT option.
    5. Choose your new limits.
    6. Click SAVE.

Changing Vehicle Coverages:

    1. Click the “Add or Edit Vehicles” button.
    2. A screen will pop up to type your password in.
    3. Click EDIT COVERAGE on the specific vehicle you wish to edit.
    4. Choose your new coverage options.
    5. Click SAVE.

Changing Vehicle Lienholder:

    1. Click the “Add Lienholder” button.
    2. A screen will pop up to type your password in.
    3. Under the specific vehicle, click Add Lienholder.
    4. Enter in your lienholder information.
    5. Click SAVE.

Updating/Changing Your Address:

    1. Depending on whether you are updating your garaging address or mailing address click “EDIT” next to the one you would like to update.
    2. A screen will pop up to type your password in.
    3. You will be taken to the Edit Policy page.
    4. Click EDIT next to the type of address – if you wish to update all of the addresses, you will be given that option.
    5. Enter your new address.
    6. Select whether or not to use the same address for your billing and mailing address.
    7. Click SAVE.

When making updates to your policy you will see a panel on the right hand of your screen that reviews any rates changes and has a CONTINUE button at the bottom. When you are ready and have inputted all the changes you want to make, push the CONTINUE button. Keep in mind that all changes will not be saved unless you SUBMIT and PAY, which should be the very last screen. Some changes may require an electronic signature, but if a signature is required you will see this section appear near the end of updating your policy process.

Now you are a self-service endorsement wizard! New car, new house, new driver, no problem. Any changes you will need in the future for your policy can all be done online when you log into your Metromile account. If you ever have any questions about your policy visit our Help Center, or you can find this page by clicking the “Contact Support” in the drop-down menu next to your name when you are logged into your account. If you haven’t yet made the switch to per-mile insurance, but are interested in making your auto insurance simple and easy, get a free quote today.

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.

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

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.

Coverage 101: Explaining Your Coverage Options

So you’ve decided to make the switch to Metromile — congrats! Not only will you save major cash with pay-per-mile insurance, but you’ll have access to four different levels of liability protection, plus choices for your comprehensive and collision deductibles. But if insurance lingo has you confused, don’t sweat it: Understanding your options is easier than you think.

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Here’s a breakdown of the various types of car insurance coverage available so you can choose what’s right for you:

  • Bodily Injury (BI): Most states require BI coverage to cover costs related to injuries or deaths to other people in the event of an accident that’s your fault. This type of coverage pays for things like medical treatment, rehabilitation, and funeral costs, as well as costs related to mental or emotional distress that results from bodily injury. It may also pay for lawyer’s fees if you’re sued for an accident. Depending on the state you live in, you may be required to have a predetermined minimum amount of BI coverage.
  • Property Damage Liability (PD): If you’re in an accident that damages someone else’s property, PD liability will cover the costs. This type of coverage will pay for any type of tangible property, whether it’s another driver’s vehicle, or something like a building, utility pole, fence, garage door, etc. Some states will require you to have a predetermined minimum amount of this coverage too.
  • Uninsured Motorist Bodily Injury (UMBI): If you’re in an accident in which the other driver is at-fault and uninsured, UMBI coverage will pay for any necessary medical, rehabilitation, lost wages, pain-and-suffering, and funeral costs for you and/or your passengers. Remember that UMBI will only pay up to the coverage limit, and your state may or may not require you to have a set minimum amount.
  • Underinsured Motorist Bodily Injury (UIMBI): This one is very similar to UMBI, but it pays up to the limit for expenses in the event that the other driver is at-fault for the accident but can’t cover your costs because of their own plan’s insufficient liability limits.
  • Medical Payments: If you’re in an accident, Medical Payments could pay the medical deductibles and copayments that aren’t covered by your health insurer, or the insurer of any of your passengers. This type of coverage is optional and, depending on your state, may be possible to combine with a health insurance policy.
  • Personal Injury Protection (PIP): In general, PIP covers your medical costs regardless of who’s at fault for the accident. The benefits vary by state, with some states offering coverage for things like lost wages, child care, and/or funeral costs.
  • Comprehensive: This type of optional coverage comes in handy if your car is stolen or damaged in ways that don’t involve a collision (think hail damage, glass breakage, fire, vandalism, damage from an animal, flood, earthquakes, falling objects, and theft). It’s up to you to choose a deductible amount — that’s the out-of-pocket cost you agree to pay before coverage is afforded.
  • Collision: This is another type of optional coverage that covers you if your car collides with another object (like a car, a brick wall, a tree, etc). This coverage protects your car only and not the other party’s damage. Again, the deductible amount you choose is the out-of-pocket expense you have to pay before coverage kicks in.
  • Collision Deductible Waiver: This type of coverage isn’t available in every state, but if you have it, your collision deductible will be waived in case you’re in accident with an at-fault driver who’s uninsured. You’ll need the license plate number or name of the person that caused the damage and you’ll have to report the claim quickly.
  • Underinsured Motorist Property Damage (UMPD): If you’re hit by an uninsured or underinsured driver, this type of coverage will pay for the damage to your vehicle. UMPD coverage isn’t available in every state, and some states require you to choose between UMPD and Collision coverage.

Ready to choose the type of coverage that fits your needs? Need some more info? Just visit Metromile today to get a free personalized 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.

Car Insurance Rates Are Rising — Here’s Why

If you’ve had the sneaking suspicion that your car insurance rates have recently skyrocketed, you’re unfortunately not imagining things. Regardless of your location, chances are you’ve noticed a distinct increase on your bill, and that cost spike can be super frustrating. The silver lining is that a better understanding of the state of the auto insurance industry can empower you to make the most informed, educated choices possible when it comes to your plan. More knowledge and awareness means more opportunities to save money and drive smarter — and who doesn’t love that?

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How Much Is Car Insurance Costing Americans These Days?

According to experts, the average American pays more than $1,400 a year for car insurance coverage. And if that sounds like a whole lot, you’re right: auto insurance rates have increased at more than twice the rate of inflation. Current rates are 20% higher than they were in 2011, and every state in the country has increased its rates by anywhere from 1% to 60%. And the past 6 months have been especially rough as rates have gone up by 6% in that time period alone.

What Determines Your Premium Rate?

While $1,427 may be the national average, a lot of factors can impact your personal cost:

  • Local and state laws
  • Population changes and urbanization
  • Your claims history and driving record
  • The addition of any new drivers to your policy or changes of the primary drivers of vehicles on the policy (particularly teenagers: Parents adding a male teenager to their policy may pay as much as $6,186, and in some cases, 227% more than the cost to insure an adult driver alone)
  • Deleting a vehicle from the policy
  • Change of employment
  • Medical conditions that can increase your risk
  • A history of convictions or driving violations
  • Changes to your insurance plan’s structure or payment plan fees
  • Your credit score

But Why The Recent Surge?

While all the factors mentioned above can certainly have an impact on your premium, they don’t account for the recent surge in premium pricing. Experts believe a few different factors could be at play:

  • Extreme weather. In recent months, various parts of the United States have experienced hurricanes, wildfires, and other major natural disasters. Devastating events like these can result in more claims, which drive up the cost of insurance rates.
  • Distracted drivers. Texting and driving don’t mix under any circumstances. As drivers allow themselves to be distracted by their smartphones, they cause more accidents; many of which could be deadly. According to reports, 40,200 people died in 2016 in traffic accidents, an increase of 14% over 2014. Because more road accidents equate to higher costs for insurance companies, those insurers are forced to raise their rates, passing the increased costs along to customers. That’s why in some states if you’re caught texting or using your phone while driving, you’ll see your insurance premium go up by anywhere from 16% to 40%.
  • Better (pricier) technology. While cars are becoming safer thanks to ever-improving technology and design, those very same features are making cars way more expensive to fix in the event of an accident. As insurance companies have to pay more to repair more expensive cars, so do customers.
  • Fraudulent claims. According to a study by the Insurance Research Council, up to $7.7 billion in car insurance injury claims filed in 2012 were fraudulent or included fudged numbers (that’s 33% more than the reported $5.8 billion in 2002). The more claims an insurance company has to pay out, the more the cost of premiums increases. According to the National Insurance Crime Bureau, “not only does fraud cause higher insurance premiums for all of us, but it also raises our taxes and inflates prices for consumer goods.”

Tips For Keeping Your Premiums As Low As Possible

Luckily, there are some easy ways you can keep your car insurance rates as reasonable as possible:

  • The simplest way: Stop paying for miles you’re not driving and switch to pay-per-mile insurance — you’ll pay a low monthly base rate plus a few cents per mile when you sign up with Metromile. Because you are paying-per-mile, you’ll always have visibility into what your monthly bill is, giving you greater control over your premium amount.
  • Maintain a clean driving record. Staying accident-free on the road may help you score a lower rate.
  • Keep your credit score up. All insurance companies factor your credit score into your quote, so stay on top of those bills. In fact, bumping your score one tier, like from Good to Excellent, can save you up to 17%.

Ready to start saving? Get your personalized quote right now and see how much you could be saving.


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.

Full Tort v. Limited Tort – What’s the Difference?

Full tort? Limited tort? …. what’s a tort? Don’t worry, we’ve got you covered. If you live in Pennsylvania, you may know what tort is. For the rest of the country (attorneys excluded), tort is not only a cute nickname for a tortoise but is also a legal term meaning “civil wrongdoing – in civil law, a wrongful act for which damages can be sought by the injured party.” In other words: tort means that someone can seek legal action against someone else for causing damage to them during an accident.

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Still confused where Pennsylvania comes into the equation? Let me explain. Full tort and limited tort car insurance options were instituted by the state of Pennsylvania in an attempt to decrease the number of pain and suffering lawsuits in Pennsylvania courts. Individuals who now purchase insurance in Pennsylvania are classified as either “limited tort” or “full tort.”

So, what’s the difference between full tort and limited tort? So glad you asked – you’ve been paying attention. Let’s discuss.

Full Tort

Regardless of the extent of the injury or damages, someone with full tort coverage is able to assert a claim for pain and suffering – so long as the accident was not their fault. Someone with full tort coverage is not obligated to first demonstrate that they received a serious injury from the accident before they can recover damages for pain and suffering. Because there is no threshold which must first be met, someone with full tort coverage can automatically assert a claim with their insurance provider for all of the losses they experienced from the accident, such as damages to the vehicle, medical bills, etc. – not just the out-of-pocket costs.

Limited Tort

The other side of this coin is limited tort coverage. Limited tort permits someone injured in a car accident to only recover for their out-of-pocket medical bills, wage loss, automobile repair costs, and other actual monetary loss. When someone elects to have limited tort insurance coverage, they are foregoing the right to pursue damages in a personal injury claim for pain and suffering and other similar damages, even in situations where they are not at fault.

The Exception to the Rule

BUT (and there is a but) – there is a limited exception to this general rule that permits someone with limited tort coverage to pursue a claim for pain and suffering where the injuries they sustained in the car accident were considered “serious.” Yes, serious in quotes, because “serious” injuries are not always clearly defined or proven. Of course, in cases where someone requires life-saving treatment following a car accident, those injuries sustained would be considered serious and allow full recovery for pain and suffering. The problem here is that in the majority of cases, the line that differentiates a serious injury from that of a non-serious injury is less clear.

So Which Tort is for You?

Limited tort is the more appealing option for many people because it’s less coverage and therefore less expensive. However, this choice could end up costing them greatly if they are ever involved in a car accident later on. Metromile offers both full tort and limited tort options for our customers in Pennsylvania.

Click here to get a free quote today and find out which coverage option is right for you! Be safe out there and see ya 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 Long After an Accident Can You File a Claim?

Earlier this month on the blog, we talked about what to do if you get into an accident. With the initial shock of the crash now behind you, it’s important to deal with the aftermath of the incident – including filing a claim with your insurance company (#adulting). What may initially seem as a priority might slowly start to slip on your to-do list when life happens. So, how long after an accident can you file a claim? When is too late?

How-Long-After-an-Accident-Can-You-File-a-Claim

From serious to a minor fender bender, a car accident can have a major effect on more than just your car insurance premium. Did you know that each state has different laws and statutes of limitations on claims and lawsuits filed? Let’s unpack some of the statute of limitations on claims and lawsuits in each state.

Technically, if you’ve gotten into an accident, you have until the end of the statute of limitations window to file a claim in your state. Even if you’ve switched insurance companies, or cancelled your policy, you can still file a claim as long as you were insured during the time of the accident.

Also, it’s important to note that the terms “claims” and “lawsuits” are essentially interchangeable in this situation. If state law notes that you have two years to file a lawsuit, this also means that you have two years to file a claim. After this period of time, however, you will no longer have legal resource to recover any damages that incurred as a result of the crash.

Below is a list of time frames, outlined by state. All fifty states have these claims broken out into two categories – property/collision/comprehensive damage and injury. Some states have regulated that they are the same period of time, while others are different. Take a peek below to see what the statute of limitations are in your state.

StateProperty/Collision/Comprehensive DamageInjury
Alabama2 years2 years
Alaska2 years2 years
Arizona2 years2 years
Arkansas3 years3 years
California2 years2 years
Colorado3 years3 years
Connecticut2 years2 years
Delaware2 years2 years
Florida4 years4 years
Georgia4 years2 years
Hawaii2 years2 years
Idaho2 years2 years
Illinois5 years2 years
Indiana2 years2 years
Iowa5 years2 years
Kansas2 years1 year
Kentucky2 years1 year
Louisiana1 year1 year
Maine6 years6 years
Maryland3 years3 years
Massachusetts3 years3 years
Michigan3 years3 years
Minnesota6 years6 years
Mississippi3 years3 years
Missouri5 years5 years
Montana2 years3 years
Nebraska4 years4 years
Nevada1 year1 year
New Hampshire3 years3 years
New Jersey2/4 years2/4 years
New Mexico4 years3 years
New York3 years3 years
North Carolina3 years3 years
North Dakota2 years2 years
Ohio2 years2 years
Oklahoma2 years2 years
Oregon6 years2 years
Pennsylvania2 years2 years
Rhode IslandN/A3 years
South Carolina3 years3 years
South Dakota3 years3 years
Tennessee3 years1 year
Texas2 years2 years
Utah3 years4 years
Vermont3 years3 years
Virginia5 years2 years
Washington3 years3 years
West Virginia2 years2 years
Wisconsin3 years3 years
Wyoming4 years4 years

So, why wait? Filing a claim with your insurance company right away does have its benefits. If you file immediately after getting into an accident, you’re giving yourself time to file a lawsuit if negotiations are dragged out. Additionally, if you file a claim right away, you have a greater likelihood of getting paid out by your insurance provider immediately. This is because the insurance company will have a better understanding of what the damage from the accident looks like (as opposed to further damage caused by you or others later down the road – pun definitely intended).

TL;DR – here’s what we have learned:

  • Each state has a different statute of limitations for both property/collision/comprehensive damage claims and injury claims
  • The terms “claims” and “lawsuits” are essentially interchangeable
  • Even if you have switched or canceled your insurance policy, you can still file a claim if you were insured during the time of the accident
  • Just because there is a long time frame for the statute of limitations in your state does not mean that you should wait the full period of time, prior to filing a claim with your insurance company
  • There are benefits to filing a claim right away, such as:
    • Giving yourself more time to file a lawsuit, in case negotiations are dragged out
    • Getting paid out right away by your insurance company because they will have a better understanding of the damage that occurred as a result of the crash

As always, best practices after a car accident include: making a police report and writing down the report number; getting the other driver’s insurance and contact information and writing down the vehicle’s license plate number; assessing the damage to your vehicle and taking photos of both the scene and all vehicles involved; and visiting the doctor (make sure to document everything and keep track of paperwork – you’ll need this information for a personal injury claim).

With Metromile’s 24/7 claims service, there’s an even better reason to file your insurance claim right away. Click here to get a free quote today and stay safe out there 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