METROMILE Insurance Services LLC
Effective April 15, 2019
Your participation in MetroMile, Inc.’s (and its affiliates, collectively, “Metromile” or “us” or “our”) insurance program is expressly conditioned on your acceptance of, and compliance with, these terms and conditions. If you do not agree with, or perform, any part of these terms and conditions, you should not, or may not be allowed to, participate in the program. Metromile reserves the right to modify these terms and conditions at any time without advanced notice. Modifications to these terms and conditions can be viewed by logging in to your policy through www.metromile.com. These terms and conditions require you to plug in, and keep continually plugged in, the telematics device, or other technology provided by Metromile in connection with the insurance program (the “Metromile Pulse”) provided to you by Metromile as part of the insurance program. The plugging in of your Metromile Pulse or continued participation in the insurance program constitutes your acceptance of these, and any revisions to these, terms and conditions.
THE PULSE DEVICE; INFORMATION RECORDED & TRANSMITTED
The Metromile Pulse plugs into your vehicle’s OBDII port. This device is GPS enabled and records and communicates back to Metromile a variety of information about your vehicle and your trips, including miles driven, speed, heading, acceleration, deceleration, altitude, periodic odometer readings, collision and impact, location information, and any information derived from the information (collectively, “Data”). The Metromile Pulse records when it is connected or disconnected. The device transmits the Data wirelessly to and from Metromile through our wireless partners. Mileage and other Data may be used to underwrite and rate our insurance offerings, and will be used to develop, maintain, model, analyze and enhance our products and services. You may opt to turn off the long-term storage of GPS data from the Metromile Pulse in your vehicle. We will delete your GPS data on our servers within 45 days of the end of each prior month. You agree we may continue to use GPS data to prevent fraud. If you turn GPS data off, you will not be able to use service features that require access to GPS location.
Any vehicle compatible with the Metromile Pulse is eligible for our insurance program assuming all other insurance program underwriting guidelines are met. You must also provide a valid email address and install and continually maintain a Metromile Pulse in all vehicles registered for the insurance program.
The Metromile Pulse uses a certain amount of current from the battery even when the vehicle is not turned on. Care should be taken in using the device in vehicles that have older or weak batteries, or that may go extended periods without being started. The device may be transferred to a vehicle replacing an existing vehicle on the policy by informing Metromile of the change.
The Metromile Pulse is the property of Metromile. In the event of any policy termination or vehicle removal by either party, we will charge you a fee of $100 for each device not returned to us in good, working condition within 30 days of the termination date of the policy, or removal of the vehicle. You consent to Metromile charging any card or account you have on file for the fee if the Metromile Pulse is not timely returned. Normal wear and tear and damage to the Metromile Pulse caused by a motor vehicle accident will not result in a charge.
You (on your own behalf and on behalf of each registered owner (if not you) of a vehicle in to which a Metromile Pulse is installed) consent, acknowledge and agree that (a) you and the registered vehicle owner will voluntarily install and continually maintain the Metromile Pulse in each covered vehicles, (b) you and the registered vehicle owner acknowledge and agree that failure to install and continually maintain the Metromile Pulse as set forth in (a) is a material breach of a representation and warranty for the insurance program, (c) that the insurance program is a subscription service, (d) that you and the registered vehicle owner each grant to us a perpetual license to the Data for use by Metromile and that such Data may be used on an anonymous basis, and (e) we will maintain any Data as required by any document or data retention laws, rules, regulations, or our internal policies.
USE OF VEHICLE DATA IN CLAIMS
You agree and consent that we may use any Data in assessing any claim under any applicable policy, regardless of the driver or party at fault. If the vehicle is involved in an accident, you must preserve the Metromile Pulse and all Data on the device, so do not destroy or discard the device. Failure to preserve the Metromile Pulse or the Data can result in a denial of any claim. Metromile may share any Data, without your consent, in response to a subpoena or as otherwise required by applicable law, rule or regulation.