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.

Will my rates go up if I file a claim?

Every policyholder’s situation is unique, so depending on your circumstances, your premium may or may not be affected. It depends in part on the terms of your policy, how many claims you’ve filed in the past and insurance regulations in your state. If you are concerned, don’t hesitate to call us.

Will I have to pay the deductible if the accident isn’t my fault?

Your claim payment will always be reduced by whatever your deductible is. If there is some source for us to recover our payment and your deductible from, such as in the case where another party is at fault and is insured, we will seek reimbursement for our claim payments as well as your deductible. This process is called subrogation and often takes weeks and sometimes months to collect.

What is a deductible?

Your car insurance deductible is the amount of money you have to pay if something happens to your car before your insurance kicks in, after a covered event. For example, if your car needs $1,500 in repairs and your policy has a $500 deductible, then you are responsible for $500 and your insurance covers the remaining $1,000. If you never repair the vehicle, then you won’t have to pay anything.

What happens if I only have glass or windshield damage?

If you purchase comprehensive coverage and the glass can be repaired, we will waive your deductible. Whether or not the glass can be repaired is based on the location and size of the damage. Typically, repairable damage is small and out of the driver’s line of sight. If the glass cannot be repaired, any glass replacement is subject to a deductible.

Who is underwriting my policy?

Metromile Insurance Services LLC is the Managing General Agent for your insurance policy and provides all customer service needs as long as you’re a customer. We are transitioning new personal policies to be underwritten by Metromile Insurance. Some older policies are underwritten by insurers in the National General Insurance Group, and we are currently in the process of updating these policies.