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  • Posts Tagged ‘auto insurance coverage’

    What You Should Know About MetLife Auto Insurance Company

    Tuesday, January 10th, 2012

    MetLife auto insurance products and services have been accessible for over a hundred and forty years. In 1863, MetLife Insurance was created by a group of New York businessmen. It’s now a world-wide organization, giving a huge range of coverage products and solutions to over seventy million consumers world wide.

    Benefits Of MetLife

    MetLife has a track record for delivering high-quality coverage products and services to its consumers. This is reinforced by their A rating with AM Best, that implies how steady and reliable they are. Thanks to their free Identity theft resolution program, consumers feel much more protected with MetLife.

    Auto Insurance coverage from MetLife

    MetLife Insurance is one of the most successful and highly regarded insurance providers in the U. S.. It has assembled a significant range of coverage products, to accommodate car owners of different ages and with diverse motoring experiences. Coverage they provide consists of:

    - Liability protection
    - Collision coverage
    - Comprehensive cover
    - Full glass coverage
    - Medical insurance policy coverage
    - Rental-car coverage
    - Towing and labor coverage

    MetLife Discounts

    MetLife give consumers a collection of discount rates to help lessen the expense of their insurance premium. Group discounts for certain organizations or groups of staff members are obtainable. Safer individuals who have a clean motoring track record, are entitled to special discounts too.

    To lower the amount of your cost of the coverage more, MetLife offer discount rates to motorists who have a defensive drivers course. It is possible to save further more by combining your automobile insurance with other MetLife coverage like house and life cover.

    You will get a $50 credit, for every year you actually don’t claim. Safer drivers absolutely benefit through this. You will need to check this out with MetLife since it is not obtainable in each individual state.

    Facts About Comprehensive Auto Insurance Coverage

    Thursday, August 25th, 2011

    Comprehensive Auto Insurance Coverage: according to Webster, comprehensive means “of large scope;” as an adjective. In terms of naming this auto insurance coverage, this name does make some sense. Comprehensive coverage is a first party coverage, meaning for you the insured, and covers damage to your vehicle that your collision coverage doesn’t cover.

    As a refresher, collision coverage takes care of damages to your vehicle (less your deductible) when you collide with another vehicle or object, like a tree or a fence. There are, however, other ways in which your can be damaged. Things like water damage, theft of your stereo system or hail damage would all be covered losses under your comprehensive coverage.

    There are times when the difference between collision coverage and comprehensive coverage can be a bit blurred though.

    One such example would be if a deer struck your vehicle while you were driving. The reason for this is that most insurance policies will treat the collision between your vehicle and an animal as a comprehensive loss vs. a collision loss. Your insurance adjuster will, however, inspect your vehicle to confirm the damages to your vehicle are consistent with hitting an animal and that is for 2 main reasons: liability and deductible.

    1. In terms of liability: if a deer ran into the side of your vehicle and you didn’t have what is known as a “last clear chance” to avoid the deer, you wouldn’t be found at fault for the accident and;
    2. In terms of deductible: although it is typical to have the same collision and comprehensive deductibles, you can have a lower deductible for either. So, assuming your comprehensive deductible is $250 and your collision deductible is $500, your insurance adjuster will inspect your vehicle damages to confirm it is consistent with colliding with a deer. If it is, your lower comprehensive deductible would apply.