MetLife Auto & Home® offers a wide variety of coverage options, including:

• Liability protection, which pays claims if you're responsible for an accident that causes bodily injuries and property damage.
• Collision and comprehensive coverage, which pays for damage to your car if it hit another vehicle or object, no matter who caused the accident.4 It also pays for damage to your car caused by events like theft, vandalism, fire, flood, and hail.
• Personal injury protection, which covers the costs of doctors, hospitals, and funeral expenses for you, members of your household, and/or your passengers, if a covered accident occurs, no matter who was at fault. You'll also be protected when you drive another person's car (with permission) or if a vehicle hits you or a family member as pedestrians.4
• Uninsured motorists coverage, which pays the cost of damages and injuries resulting from being hit by an uninsured or hit-and-run driver. Coverage for both you and your passengers includes medical expenses, lost wages, and other injury-related losses.4
• Underinsured motorists coverage, which pays for damages if you're injured in an accident caused by someone who doesn't have enough insurance to cover your medical expenses.

MetLife Auto & Home® offers a wide variety of coverage options, including:

• Rental car coverage. This will pay costs to the rental agency if you have an accident driving a rental car.
• New car replacement. If you total your new car within one year of purchase or during the first 15,000 miles—whichever comes first—you get it repaired or it will be replaced with a new car with no deduction for depreciation.5
• Special parts replacement. We'll pay to replace certain major parts—like tire, brakes and batteries--no matter what their wear-and-tear/depreciated value at the time of the accident.6
• Glass repairs without a deductible. If your windshield is chipped or cracked, we'll repair it and waive your deductible.
• Towing and roadside assistance and labor cost coverage. If your car breaks down while traveling, this can help reimburse you for towing and other roadside-assistance expenses.
• Legal defense costs. If you're sued, we'll cover your legal fees. We'll 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. Your vehicle's lease or loan will be paid off if your vehicle is a total loss due to an accident, even if the amount exceeds the value of your vehicle.

• Deductible Savings Benefit. Automatically earn $50 every year you don't make a claim (to a maximum of $250) that may be used toward your deductible, if you have a covered loss.1
• Defensive Driver Discount. Earn up to a 7% discount by completing a qualifying driver training course, like the one on the National Safety Council website.7
• Superior Driver Discounts and 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% off your policy through the MetRewards program, if you are claim and violation-free for 5 years.8
• Bundle and save. Save up to 10% with our multi-product and multi-policy discounts for having home as well as auto insurance with us. Check out our Bundle and Save page for more details! Sample multi-policy discounts:
  • Auto/Home multi-policy discount: 10%
  • Auto/Life multi-policy discount: 5% 9
• Good Student Discount. Your star high school or college student could earn you a 15% discount if he or she qualifies.