Do You Need Rental Car Insurance When You Travel?

If you’ve ever rented a car, you know firsthand how bewildering the experience can be. The rental car company give you a daily rate, but there always seems to be hidden fees cloaked in ambiguous terms (what is a ‘vehicle license recovery fee,’ anyway?). Then, there’s the car insurance. Do you actually need it when you’re already paying for insurance on the vehicle that you own?

Do You Need Rental Car Insurance When You Travel?

From your existing car insurance coverage to getting coverage through your credit card company, let’s explore the options available to you – a sure-fire way to prevent the rental car companies from wringing you dry.

Will I be covered by my existing car insurance policy?

First things first: will your existing car insurance policy cover your rental car? It might. Check your policy to find out which coverages extend to your rental car before getting up to the counter. That way, you can confidently add or decline the rental car insurance when you’re put on-the-spot by a pushy rental car agent. Do keep in mind that rental cars may be covered under your car insurance policy for personal use only – that means if you’re using the rental car for business or commercial uses, your insurance may not cover it.

Will my credit card company provide rental car coverage?

If you’re planning on using a credit card to pay for your rental, you may be covered by the credit card company. Check with your credit card company to find out what additional rental car coverage is provided. All four major credit card companies (Visa, Mastercard, American Express, and Discover) provide some sort of rental car coverage.

To ensure that you’re covered, you must pay for the entire rental car bill on your credit card and decline any supplemental insurance offered by the rental car company. This is key – if you sign up for the supplemental coverage, your credit card company will not cover you. Also, your credit card company will not cover your rental car in some popular destinations, including: Ireland, Israel, Italy, Jamaica and Australia. Again, to avoid frustration and confusion, be sure you have all the answers on what is covered and what isn’t before you get up to the rental car counter.

When should I opt-in for rental car insurance, then?

Ah, yes. There are a handful of situations where opting into rental car insurance just makes sense:

  • You’re traveling for business: As previously mentioned, if you’re using the rental car for business or commercial purposes, you likely may not be covered through your existing policy.
  • You don’t have car insurance (or you have the bare minimum): If:
    • a) you don’t have car insurance,
    • b) you have very high deductibles, or
    • c) you don’t have comprehensive and/or collision coverage,

    you’ll probably want to think about at least opting for the rental company’s loss damage waiver. If you have no car insurance at all, you’ll also need to spring for supplemental liability.

  • You’re traveling abroad to a destination that’s not covered: If you’re traveling internationally, chances are that your car insurance provider won’t cover your rental car. Again, popular international destinations, such as Italy, Australia, Ireland, Israel, and Jamaica are not eligible for rental car coverage through your credit card company.
  • You’re worried about an incident affecting your existing car insurance premiums: If you’re worried about getting into an accident in the rental car and concerned your car insurance premiums will go up, get the rental car insurance. This way, you’ll still be covered and you’ll have peace of mind knowing your existing car insurance rate won’t skyrocket.

Remember – rental car companies are counting on you to not do your homework. Show up to the counter prepared and know when to opt-in and when to decline the rental car insurance coverage (those agents can be pushy!). If you’re already a Metromile customer, most Metromile policy coverages do transfer to the rental vehicle. There is no need to plug the Pulse device into the rental vehicle as you won’t be charged for mileage while driving the rental vehicle. Be sure to consult your policy contract or feel free to contact us if you have any questions about your coverage. If you’re not yet a Metromile customer, click here to get a free quote today to find out how much you could be saving! 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 “Aware” of Insurance Are You?

Wedged between Flag Day and the Fourth of July is the summer holiday you probably didn’t know you needed: Insurance Awareness Day. That’s right—June 28 is the day Americans are encouraged to educate themselves on their current policies and make sure they’re getting the coverage they need. We’re not totally sure what constitutes an appropriate way to celebrate this annual event (would streamers and balloons be overkill?), but we do know the day is a great excuse to get familiar with the ins and outs of insurance and feel confident that you’re covered.

pay-per-mile car insurance

While Insurance Awareness Day may not get the same Hallmark treatment as some other national commemorations, the holiday is worth recognizing. After all, according to a survey from car insurance comparison marketplace, The Zebra, 81 percent of consumers say they have the coverage they need, but 99 percent failed to correctly identify 10 basic coverage types and terms. Potentially more shocking? Twenty-two percent of respondents didn’t even realize they’re required by law to have car insurance. Scary, right?

You may know a thing or two about car insurance (or you may be part of that twenty-two percent—that’s okay! No judgment!). No matter how much knowledge you think you’ve got, it’s always a great idea to brush up on the basics and feel safe, secure, and satisfied with your coverage.

Why Insurance Coverage Is a Must

While most people do know they need car insurance, far fewer probably know why. Like any other kind of security, car insurance protects you (and your passengers) in case of an unexpected incident, like an accident, theft, damage, etc. Every state requires drivers to have some kind of insurance plan, but the specific requirements vary based on location. Regardless of where you live though, the local law does require you to prove you can pay damages in the event of an accident.

It seems straightforward, but car insurance can get a lot more complex than that. There are various types that offer different levels of protection; some are required and some are optional. Understanding the factors that go into determining the type of coverage you need can help you find a plan that’s got your back at a premium that won’t break the bank.

Everything You Need to Know About Your Policy

Unless you’re an insurance professional, chances are you’re a little perplexed by all the paperwork that comes with coverage. Getting to know a few key terms can help you get up to speed:

  • Declaration page: This refers to the first page (or several pages) of your policy that states the name of the person insured, their address, the insurance provider, the policy term, coverage limits, and other key facts about the plan and who it’s covering.
  • Coverage: This one seems simple, but there are various types of car insurance coverage available:

    • Bodily Injury (BI) coverage is required by most states to cover costs related to injuries or deaths to other people in the event of an accident that’s your fault.
    • Property Damage Liability (PD) covers the cost of damages to someone else’s property if you’re at fault in an accident.
    • Uninsured Motorist Bodily Injury (UMBI) covers you in an accident if other driver is at-fault and uninsured.
    • Underinsured Motorist Bodily Injury (UIMBI) is very similar to UMBI but pays up to the limit for expenses in case 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 could pay the medical deductibles and copayments that aren’t covered by your health insurer, or the insurer of any of your passengers.
    • Personal Injury Protection (PIP) covers your medical costs regardless of who’s at fault for the accident.
    • Comprehensive coverage can be helpful if your car is stolen or damaged in ways that don’t involve a collision.
    • Collision coverage covers you if your car collides with another object (like a car, a brick wall, a tree, etc).
    • Collision Deductible Waiver 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 uninsured at-fault driver.
    • Underinsured Motorist Property Damage (UMPD) coverage pays for damages to your car if you’re hit by an uninsured or underinsured driver.
  • Deductible: The out-of-pocket amount you have to pay after a covered event (like an accident, theft, or weather damage) before your insurance kicks in. It’s basically your financial responsibility in case anything happens. For example, if your car requires $5,000 in repairs, and your deductible is $1,000, you’ll have to pay $1,000 before your insurer will pay the remaining $4,000. Your car insurance deductible will be applied for each claim you file (unlike health insurance deductibles which apply across the calendar year). That means if you submit two car insurance claims in a year, you’ll have to pay your deductible both times.
  • Premium: Your premium is the amount of money you pay your insurer to provide coverage for qualifying claims. The amount you pay is based on a variety of factors, including type and amount of coverage you want, the type of car you drive, your location, your driving record, your credit history, your age, your gender, and marital status.
  • Claim: A demand made by the insured person for provide coverage and compensation from the insurance company in the event of a loss, subject to the terms of the insurance policy contract.
  • Risk Assessment: This is how likely the insurer thinks it will be that you’ll file a claim, based on your driving record and other factors—this determines your rate.

How to Pick The Coverage That’s Right For You

To say car insurance is confusing is a major understatement. To know which kind of coverage you need, it’s best to ask yourself a series of questions so you can figure out the right policy for you. Here are some things to consider:

  • How much coverage do you need (and what’s required by your state)?
  • How much do you drive?
  • What’s your risk assessment?
  • Who will the policy cover?
  • What will your deductible be?
  • Is your car leased or financed?
  • Will you be driving for work?

Still confused? We don’t blame you—auto coverage can be a thorny issue. To ring in Insurance Awareness Day this year, why not visit metromile.com? You’ll find lots more information and have the chance to get a free quote. Now that’s the perfect way to celebrate.

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.

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.

Metromile-How-To-Self-Service-Endorsements-

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.

Metromile How-To: Modify Your Policy

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.

Metromile-How-To-Self-Service-Endorsements-

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.

How-Points-on-Your-License-Can-Affect-Your-Car-Insurance-Premiums

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.

How-does-Metromile-Pet-Coverage-Work

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.