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Auto AdvantageTM features go beyond basic liability and collision coverage to offer you more complete coverage and benefits, including:

And if you own a motorcycle, weve got the right coverage for you.3 Ask your MetLife Auto & Home representative for details.

Coverage PlusTM features are part of the most comprehensive and affordable policies available. Our standard coverage options come with a range of benefits and additional features can be added to further enhance your policy.

When you buy an auto policy, you put together a “package” of standard and not-so-standard coverages, including:

Our collision coverage pays** for damage to your car if it hits another vehicle or object, or if your car rolls over, no matter who causes the accident. Our comprehensive coverage pays** for damage to your car caused by something other than a collision, such as theft, vandalism, fire, flood, and hail.

This covers** costs of doctors, hospitals and funeral expenses, for you, your resident relatives, and/or your passengers, resulting from a covered accident, regardless of who was at fault. Youll also be protected when you drive another persons car (with permission) or if a vehicle strikes you or family members, as pedestrians.

In some states, Medical Payments Coverage is called Personal Injury Protection, and may pay for lost wages and replacement services for an injured party.

Uninsured motorists (UM) coverage pays** the cost of damages and injuries resulting from being hit by an uninsured driver or by a hit-and-run driver. It also provides coverage if an uninsured driver strikes you or family members as pedestrians. Coverage for both you and your passengers include medical expenses, lost wages, and other injury-related losses.

Underinsured motorists (UIM) coverage will pay for damages that exceed the amount of coverage carried by an underinsured driver.

If you have an accident while driving a rental car, youll be covered for** the following "hidden costs" charged by the rental agency, such as:

Deductible Savings BenefitSM for good drivers. Through Deductible Savings Benefit,1youll automatically earn a $50 credit toward your deductible every year you do not have a loss. This credit can build year-by-year to a maximum of $250.

12% Superior Driver Discount or 20% MetRewards®. Earn up to a 12% Superior Driver Discount if all of the drivers in your household have outstanding driving records, or up to 20% MetRewards, if you are claim and violation-free for 5 years. Discounts and availability vary by state.

Good Student Discount. Your star high school or college student could earn you 15% discount if he or she qualifies.

Whenever you need us, well be there. You can report a claim to us at 1-800-854-6011, 24 hours a day, 7 days a week, 365 days a year (make that 366 days during a leap year). Our knowledgeable representatives will answer all your questions and speed along the resolution of your claim.

You can also submit an auto glass or towing claim online.

If not already included, consider these other benefits that can be added to your policy. See policy for details.

Legal Defense Costs. If youre sued, well cover your legal fees. Well also reimburse you for up to $200 per day for lost wages, if you attend a hearing or trial at our request.

Lease/Loan Gap Coverage. Ensures that your vehicles lease or loan is paid off if your vehicle is a total loss due to an accident, even if the amount exceeds the value of your vehicle.

UIM protects you and your passengers when an accident is caused by someone who has auto insurance, but is underinsured.

If your friend had Uninsured Motorists (UM) or Underinsured Motorists (UIM) protection, you would be covered under your friends policy. If your friend didnt have UM or UIM, you would receive protection under your own UM or UIM coverage. Note: Some states specify the order in which policies can be pursued for UM/UIM coverage.

Adjusting insurance premiums is not an easy decision. We want to assure you that we are doing everything we can to keep your insurance costs at MetLife Auto & Home equitable, while providing you with quality service. If an accident or loss occurs, certain factors can result in an increase to your policy premium, including:

You can file a claim against the other driver by contacting that persons insurance company or agent. You will need to give the other company your insurance information and tell it what type of claim you wish to make. If you need assistance, contact a MetLife Auto & Home claim professional.

Our appraisal staff will contact you within one business day of receiving their assignment. Assignments are made in a timely manner when an inspection is required. In most cases, your vehicle will be seen within a few days.

If an estimate is written by a MetLife Auto & Home appraiser, a check is often processed that same day, so you can begin the repair process as soon as possible.