Be Prepared: What to Do Before & After a Car Accident

No matter how minor, being in a car accident can really jolt you (pun not intended). To ease the burden and shock, familiarize yourself with the following tips about what to do before and after an accident.

car accident

Before the accident
Be sure to keep your vehicle registration, auto insurance and emergency contact list in your car, and always carry your driver’s license with you when driving. Keep a set of orange cones or warning triangles in your trunk to help alert traffic in the situation of an accident.

At the scene
Before worrying about anything else, make sure everyone is OK (including people in the other car), and call 911 if anyone is injured. Then immediately move everyone (and your car if possible) to a safe location on the side of the road.

Once in a safe space, be sure to call the police to file a police report, and use your smartphone to take pictures of the damage. Before the other party departs, exchange information and take down their insurance information, license plate and a photo of their driver’s license. Notify your insurance company immediately and be ready to provide them with this information. If you are a Metromile customer, you can easily file your claim online or call us at 1.888.595.5485.

In case of phantom accidents
In the case of a hit and run, be sure to get as much information as possible, especially a full or partial license plate if possible. If there are any witnesses, get their contact information. Avoid fixing the car until the damage has been assessed by an adjuster.

In the case of stolen car, call the police as soon as possible to file a report, and then contact your insurance company. If you are a pay-per-mile customer, the Pulse can be used to help locate a stolen car (it’s happened in the past!).

The Aftermath
At Metromile, a customer service advocate will reach out proactively to help ensure the claims process goes as smooth as possible. No other leading insurance company does this! They will track your progress and help you with any questions you may have about resolving the claim.

If you are a pay-per-mile insurance customer and are in an accident, you can reach the Metromile claims team 24/7 at 888.215.9176. Whether you need help locating repair facilities or need an update on work being done, Metromile can get you the information you need. We’ll do everything we can to get you back on the road as quickly and safely as possible.

Making Moves: Metromile Receives Strategic Investment

We are thrilled to announce that Intact Financial Corporation, the largest provider of property and casualty insurance in Canada, has made a strategic investment in Metromile.

Metromile Investment

2015 was an exciting year for Metromile – we launched a partnership with Uber, expanded to the East Coast and added to our executive team. Funds from this investment will be used to continue on our exciting journey by accelerating Metromile’s growth and offerings nationwide. For our customers, this means a continued focus on the customer experience from sign up through day-to-day needs, improved app technology and updated features, further development of the claims experience and much more. You’ll also be seeing a lot more of us around town!

Intact Financial shares similar values in transparency, customer experience and a technology-driving approach to insurance. The venture represents an exciting opportunity for Intact Financial to expand its core competencies which will ultimately enhance the customer experience.

To see more announcements from Metromile, visit our Press page. And if you are interested in our pay-per-mile insurance offering, you can learn more here.

All Aboard! The Future of Public Transportation

You likely live a busy life and want to get from Point A to Point B as quickly as possible. Driving your car can be a good option when you are in a pinch, but with new innovations, public transportation is also a viable alternative. An alternative that doesn’t require circling around to find a parking spot! Since it’s safe to say teleportation won’t be happening anytime soon, here are some ways that public transit is becoming faster, easier and more enjoyable.

city_driving_public_transportation

Get there faster with rapid transit.
The first rapid bus lines should be up and running in the Bay Area by 2018. A sort of hybrid between a bus and subway, rapid bus lines have dedicated lanes to free them of car traffic, and platforms to ensure seamless boarding. Over on the East Coast, Virginia recently debuted the Metroway system, a similar concept where a new fleet of buses travel in a dedicated lane and breeze by traffic.

Take a free ride on the hyped-up hyperloop.
Want to travel at the speed of sound? How about for free? There has been lots of hype surrounding the Hyperloop, an Elon Musk project (AKA the same guy who brought about the Tesla) that promises to bring travelers from SF to LA in 30 minutes. Now, Dirk Ahlborn, the CEO of the project, is dropping hints that the trip could potentially be free or significantly discounted. Now that’s something we could get on board with.

Make the ride more enjoyable.
Even if your commute is fast, the last thing you want to deal with is crowds, and in the winter especially, the germs that come with it. The Cyclean, which recently won the Red Dot Award (an international product design prize), reinvents the typical handle by introducing a built-in cleaning function. While there aren’t any cities cities are currently planning to use this technology, it is reassuring to know that it’s out there! The Chicago Transit Authority is also helping to ensure a more enjoyable experience with the Courtesy Campaign, an award-winning ad campaign that humorously shames riders into avoiding annoying practices like blocking doorways, eating smelly food or littering.

If you find yourself driving less and taking public transportation more, you could save a ton of money (like more than $500) with Metromile’s pay-per-mile car insurance offering. It’s great way to save for people who drive less than 200 miles per week – learn more here!

How to Drive Less (And Save More!) This Year

It’s about that time when those “pie in the sky” resolutions start to fade away. Luckily, you can set new intentions whenever you want! If you are looking for a new (and attainable) goal to work towards this year, we’ve got a great one for you. Start driving less. With a myriad of alternative transportation options (hoverboard, anyone?) it’s easier than ever to reduce your car’s mileage. Driving less will save you a ton of money and also alleviate pollution and traffic. It’s a win for both your wallet and the environment! So without further ado, here are some tips on how to drive less this year.

drive_less_save_more

Get some fresh air. If you live close to where you work, you have the luxury of biking or walking instead of driving. Stop letting excuses like shorter days, tired legs and chillier temperatures prevent you from getting a little exercise every morning. None of these things are deal breakers, and even if you try it once a week or mornings only, that’s still a big improvement from solely relying on your car. Bonus: conquer two goals at once if you resolved to get more fit this year. Your Fitbit will thank you!

Sharing is caring. Chances are you aren’t the only person driving a similar route to work — daily traffic is proof of that. Team up with others in your neighborhood and start a weekly carpool. You won’t have to drive every day, so you’ll save on gas and also sneak in some valuable work or reading time when you aren’t behind the wheel. There are lots of apps that can aid in this endeavor, like Carma and Ride, which match you with nearby commuters. Even tech giants like Uber and Google’s Waze are testing carpooling programs, which could be the driving force needed to make carpooling the norm.

Save money with pay-per-mile car insurance. Now that you are driving less, you could save a ton of money with Metromile. Our pay-per-mile car insurance offering is great for people who drive under 200 miles a week, which happens to be 65% of the U.S.! On average, we are saving our customers $500 a year. Try getting a quick, free quote to see how much you could save.

Give public transit another chance. Maybe you had a bad experience with a bus constantly being late, or assumed public transportation is just too complicated without actually trying it. Cities are working harder than ever to provide reliable and affordable public transportation options, and with transit apps like Quicky and Transit, you’ll be able to accurately gauge bus arrival time, plan routes and more. It’s totally fine to rely on your car when you are running late, but try getting up a few minutes earlier some mornings to catch the bus.

Plan some road trips. We aren’t advocating that you go cold turkey and give up your car entirely. Use some of the money you’re saving and relish in the freedom that owning a car gives you by hitting the open road! Unleash your inner weekend warrior and plan a trip to the mountains for some skiing, or start conjuring plans about where you could drive when the weather gets nicer. Check out our road trip guide for inspiration!

How to Drive Less (And Save More!)

It’s about that time when those “pie in the sky” resolutions start to fade away. Luckily, you can set new intentions whenever you want! If you are looking for a new (and attainable) goal to work towards this year, we’ve got a great one for you. Start driving less. With a myriad of alternative transportation options (hoverboard, anyone?) it’s easier than ever to reduce your car’s mileage. Driving less will save you a ton of money and also alleviate pollution and traffic. It’s a win for both your wallet and the environment! So without further ado, here are some tips on how to drive less this year.

drive_less_save_more

Get some fresh air. If you live close to where you work, you have the luxury of biking or walking instead of driving. Stop letting excuses like shorter days, tired legs and chillier temperatures prevent you from getting a little exercise every morning. None of these things are deal breakers, and even if you try it once a week or mornings only, that’s still a big improvement from solely relying on your car. Bonus: conquer two goals at once if you resolved to get more fit this year. Your Fitbit will thank you!

Sharing is caring. Chances are you aren’t the only person driving a similar route to work — daily traffic is proof of that. Team up with others in your neighborhood and start a weekly carpool. You won’t have to drive every day, so you’ll save on gas and also sneak in some valuable work or reading time when you aren’t behind the wheel. There are lots of apps that can aid in this endeavor, like Carma and Ride, which match you with nearby commuters. Even tech giants like Uber and Google’s Waze are testing carpooling programs, which could be the driving force needed to make carpooling the norm.

Save money with pay-per-mile car insurance. Now that you are driving less, you could save a ton of money with Metromile. Our pay-per-mile car insurance offering is great for people who drive under 200 miles a week, which happens to be 65% of the U.S.! On average, we are saving our customers $500 a year. Try getting a quick, free quote to see how much you could save.

Give public transit another chance. Maybe you had a bad experience with a bus constantly being late, or assumed public transportation is just too complicated without actually trying it. Cities are working harder than ever to provide reliable and affordable public transportation options, and with transit apps like Quicky and Transit, you’ll be able to accurately gauge bus arrival time, plan routes and more. It’s totally fine to rely on your car when you are running late, but try getting up a few minutes earlier some mornings to catch the bus.

Plan some road trips. We aren’t advocating that you go cold turkey and give up your car entirely. Use some of the money you’re saving and relish in the freedom that owning a car gives you by hitting the open road! Unleash your inner weekend warrior and plan a trip to the mountains for some skiing, or start conjuring plans about where you could drive when the weather gets nicer. Check out our road trip guide for inspiration!

The New Way to Save: Usage-Based Insurance 101

We recently shared a brief history of how Metromile became the pioneer of pay-per-mile car insurance — there’s more to that story. While we spearheaded the idea of plugging a device into your car to measure mileage, many other insurance companies are using a similar model to offer car insurance discounts, but monitoring driving behavior as well. The term “usage-based insurance” is becoming increasingly popular, so it’s important to understand that not all usage-based programs are the same. Let’s dive in and explore the things to consider when choosing the right usage-based insurance for your needs.

usage_based_insurance

There are many factors that can affect your car insurance premium, such as driving history, the model of your car or your geographic location. That’s because typically, these are indicators that can predict how likely an accident might be. Many insurance companies have deemed driving behavior to be one of the most important indicators since a driver who frequently slams the breaks is likely at a higher risk to be involved in an accident. That’s why insurance companies offer safe driving programs, where they reward good driving behavior with insurance discounts. The trade in? Your driving behavior will be monitored, and the occasional mistake could affect your premium. The way insurers measure safety varies, but some of the most common factors include the time of day, average speed, sudden acceleration and hard braking.

Here at Metromile, we only measure mileage and not behavior. We believe that risk is determined primarily by the amount of time you are in the car. If you aren’t behind the wheel, you aren’t going to be in a car accident! That’s why with pay-per-mile car insurance, the amount you pay is based on the miles you drive. Because we base your monthly bill on exact mileage, we typically save low-mileage drivers (under 200 miles per week) a lot of money compared to the discounts offered by other usage-based programs. On average, our customers are saving $500 a year!

So what’s the best usage-based program for you? It depends on your driving style and how much you drive. According to The Zebra, most usage-based insurance programs offer about 10-15% discounts. If you don’t drive much, you could see much more significant savings (like over $500!) with Metromile’s pay-per-mile car insurance offering. Find out how much you could save by getting a quote with Metromile!

How We Got Here: A Brief History of Pay-per-mile Insurance

Here at Metromile, we pride ourselves on being pioneers of the pay-per-mile car insurance model, providing a fair and affordable insurance for low-mileage drivers. Technically, we weren’t the first to introduce this idea, but we were (and still are!) the leaders in making it seamless, scalable and easy for everyone. We were founded exactly five years ago, and now have customers in seven states, from California to New Jersey (with many more coming soon). In celebration of our 5th birthday, let’s take a step back and explore how we got to where we are today.

history_of_pay_per_mile_insurance

One of the first times the per-mile insurance concept was introduced was in a report by William Vickrey in 1968, and later in a  report by the Brookings Institution in 2008. They hypothesized that if people paid for insurance by the mile, they would be incentivized to drive less since their bill would be based on mileage. The less someone drives, the less they would pay. To prove out the Brooking’s Institution’s theory, we recently ran a study with the Jackson Institute for Global Affairs at Yale University and found that our customers are already driving 6% less after switching to Metromile. This seemingly small number can actually have a significant impact on our economy and environment, especially if everyone reduced their driving by this amount. The benefits to per-mile insurance are clear, but the major insurance companies have been wary to use this model since low-mileage drivers (65% of the US, to be exact) are subsidizing the small handful of people that drive the most.

There have been a few smaller companies that ventured to test a per-mile insurance model, but they required setup that wasn’t exactly user-friendly. One company required a mechanic to install a mysterious black box in the car, and another relied on consumer-submitted photos taken of the odometer reading. None of them made for a hassle-free experience, which is necessary for the person that only occasionally uses their car.

That’s where Metromile comes in. We knew there was a need for a more fair car insurance, but the solution couldn’t involve complicated setups or time-consuming reports. Technology would be an important factor to measure miles driven, and it needed to be plug-and-play. Your mechanic already uses your on-board diagnostics port (OBD) to obtain car health data, so why not use the same port to gather mileage data? We had a solution, and the catalyst was that the sensors we needed to do this become inexpensive and reliable. So in 2011, we introduced a simple way for low-mileage drivers to save money with pay-per-mile car insurance. Just plug a device (we call it the Pulse) into the OBD-port of your car, and it will automatically track mileage. On average, we are saving our customers $500 a year, so we are pretty confident in our solution.

So where are we off to next? There are a lot of exciting stops on our roadmap, from state launches to helpful new app features. If you are currently a Metromile customer, we could not have gotten here without you, so we thank you all for your support. And if you aren’t currently a customer and don’t drive much, you can learn more about our innovative pay-per-mile insurance offering here!

Pay-per-mile Car Insurance in the Spotlight

Have you heard the news? There’s been a lot of TV coverage lately about how much money Metromile’s pay-per-mile car insurance offering is saving low-mileage drivers, and we wanted to share the highlights with the whole Metromile community. Below is a segment that aired on CBS Philadelphia, featuring our fearless leader (aka CEO), Dan Preston, and a happy customer who is saving $90 per month on car insurance after switching to Metromile.

pay_per_mile_car_insurance_video

The customer, Adam VanCuren, was paying a hefty car insurance bill when he wasn’t even driving much. Since he works from home, his car usually just sits outside his house. Now that Metromile’s per-mile insurance offering is available in Pennsylvania (among other states), Adam could save $1,000 this year since his monthly bill is based on the miles he drives (or doesn’t drive).

A similar segment also aired in ChicagoPittsburgh and San Francisco, and we expect that the per-mile insurance revolution will continue to gain momentum as its affordability (and fairness) is proven. Are you a happy Metromiler and want a chance to bask in the spotlight yourself? Drop us a line at stories@metromile.com so we can contact you if we have the opportunity to share customer stories!

Shift Gears on Bike to Work Day

If you’ve toyed with the idea of biking to work, now is the time to take off those (hypothetical) training wheels. Today, cities across the US are celebrating Bike to Work Day, an occasion that illuminates the benefits of biking to work. Even one day per week of biking to work can have a significant impact in reducing your carbon footprint. Did you know a 4-mile bike commute keeps 15lbs of pollution out of the air?

Here at Metromile, we joined in the fun by sprinkling bike seat covers across San Francisco and hosting a refreshment station outside of our office to refuel and reward bikers joining the cause. Per usual, our swag wheel was a hit!

Bike to Work

Although the name might suggest the contrary, Bike to Work Day isn’t just about biking on one single day. The ultimate purpose of the event is to show the community just how easy and sustainable it is to bike to work. Many of the cities participating in Bike to Work Day already have dedicated bike lanes, and chances are your office has some sort of bike parking available. If you are a Metromile per-mile insurance customer, biking to work can also save you money because the less you drive, the more you save. And if you aren’t a customer, now is the time to make the switch!

Beat the Traffic: How Does Your City Rank?

 

Metromile app users in Los Angeles spend an average of six hours per week in their cars. And a new study from TomTom finds that coincidentally (or not coincidentally) LA is the most congested city in the US and the 10th most congested city in the world. So what does that mean for your commute? And more importantly, what can we do to reduce all of this congestion?

LA has a 40% increase in overall travel time compared to what TomTom classifies as “free flow”, which means driving without any congestion. Other major west coast cities are up there too: SF at 34%, Seattle at 31% and Portland at 26%. All of these cities have more traffic on local roads versus highways. Interestingly, all of these cities also have about a 15-25% increase from morning peak hours to night peak hours. Portland has a 35% increase in travel time in the morning but jumps up to a 61% increase in the evening. Meaning, your morning commute might not be that bad, but be prepared for some evening gridlock.

Beat Traffic

So what is the takeaway from all of this data? Do whatever you can to drive less. Nearly all of these cities have great public transit systems, and many are focusing on making their roads more bike friendly. A national Bike to Work Week (which happens to be next week!) is also helping to raise awareness. And if you do need a car to get to work, try to avoid commuting during peak evening hours.

Here at Metromile, we believe that pay-per-mile insurance incentivizes people to drive less, therefore removing cars from the road. While we are currently seeing that our LA app users spend six hours per week in their cars, our per-mile insurance customers are averaging four and a half hours. If you only get charged for the miles you drive, there’s more reason to find alternative transportation methods, like biking or taking the train. Fewer cars on the road results in less traffic, which means less commuting time for people that do have to drive!

Want to see how much you could save with per-mile insurance? Learn more here!