How does prepayment work?

This one-time charge is the initial upfront portion required to start a new policy with Metromile. The prepayment will be applied as credits to the remaining bills of your six-month policy term. Since you already pay for your first month’s base rate when you sign up, the credit will be applied to the next five bills.

What coverage options do you offer?

Even though you can pay less with pay-per-mile insurance, you’ll still have the same great coverage that you’re used to. We offer four different levels of liability protection as well as choices for your comprehensive and collision deductibles. Please keep in mind that financing and leasing companies may have their own coverage requirements, so please verify before choosing your coverage limits.

How do I adjust my policy or billing information?

You can edit policy information (such as coverage levels, financing information, drivers or vehicles) in your online dashboard by navigating to the Policy section, or by giving us a call. Please note that you can currently only make one change per day.

If you need to edit credit card information, you can do so in the Billing section. At this time, we do not have the ability to change billing dates. If payment is not received after two successive failures to process the card on file, an email is sent with a potential cancellation date for your policy unless payment is rendered. Please note that we do not charge any late fees.

How do you track my miles?

The Metromile Pulse must be plugged into your car at all times so mileage can be accurately measured and billed. It also enables valuable features like the car locator and trip tracking. If it ever loses signal, try taking it out and plugging it back in. If this still doesn’t work, please let us know to avoid any penalty charges.

If you ever need a new device, you will be covered during the grace period while it is being mailed to you. It’s also OK to remove the Pulse when your car is being serviced, just be sure to plug it back in afterwards.

How do I file a claim?

At Metromile, we make things easy by letting you file the entire claim online. Just navigate to the “insurance” section of the app or visit claims.metromile.com to get started. The same goes for requesting glass or roadside assistance (you can even track the tow truck’s location).

How do I report a claim?

The easiest way for Metromile Insurance customers to file a claim is online — simply visit claims.metromile.com to get started. You can also call (888) 595-5485. You’ll need to have your policy number, date of accident, location of the accident, description of the accident, and party names and vehicles involved.

Does Metromile offer roadside assistance?

Yes, we offer roadside assistance as an optional add-on. The coverage includes fixing a flat tire, lockout and/or towing (up to the distance outlined in your contract). Please note that this coverage only applies to vehicles listed on the policy.

How can I monitor my claim’s status?

You can call or email your claims representative to check on the status of your claim. In the coming months, we will be introducing new features that will make this even easier.

Should I still file a claim with Metromile if it’s not my fault?

As as a Metromile policy holder you must report all claims. If the damages are not the result of your negligence we might be able to help you recover your costs – including your deductible – from the insurance company providing coverage to the at-fault party or directly from the at-fault party if they are uninsured.

Do I have to get my car fixed right away?

No, and as long as you aren’t leasing or financing your car, you don’t have to get your car fixed at all. Any payments made in those cases are made to you only. If the vehicle is leased or financed payments are made to both you and the finance company in order to protect their lien. You can also choose to delay the repair if you aren’t able to pay your deductible to the repair shop at the end of the repair process.