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Auto Insurance FAQs

Read answers to commonly asked auto insurance questions. For questions about MyDirect policies, please refer to our MyDirect FAQs.

Services & Claims

Visit our Service & Claims to submit an auto, glass, or towing claim online. Call our 24/7/365 claim service at 1-800-854-6011. Submit an auto claim using our mobile app – download it from your app store.

See policy for restrictions.

See policy for restrictions. Not available in NC.

Subject to deductible and state availability. See policy for restrictions. Does not apply to leased, substitute, or non-owned autos. Applies within the first 12 months, or first 15,000 miles of ownership, whichever comes first.

Subject to deductible and state availability. See policy for restrictions.

Deductible Savings BenefitSM is not available in all states. In NY, drivers must pay a state-required minimum deductible before using this benefit.

You must be a licensed driver for at least two years. Additional restrictions apply. Before enrolling in any driver improvement course, speak to a MetLife Auto & Home representative to be sure that course is an eligible qualifier for the discount. Discount and availability varies by state. In some states, discount not available for completion of on-line courses.

Discounts and availability vary by state.

Auto/Home Multi-policy Discount: A discount will apply to the total policy premium for those insured with both home and private passenger automobile insurance with MetLife Auto & Home. The percentage amount of the discount may vary by state. The Auto/Home Multi-policy Discount is not available to auto policies where the insured's homeowners insurance is a renter’s policy, and is not available on the homeowners policy, if the auto policy is written by Metropolitan General Insurance Company or at a nonstandard rate level. 
Receive 5% off your auto policy premium when you already purchased qualifying life insurance or annuity products written by Metropolitan Life Insurance Company or an affiliated company domiciled in the United States. Not available in all states.

Subject to applicable law, individual qualification, and local availability, if you move interstate upon your termination. Not all policies are available in all states.