What is auto insurance?
What is auto liability coverage?
How much auto liability coverage do I need?
Can I have different Bodily Injury limits for my autos?
What is collision and comprehensive?
When do I notify my insurance company of an auto change?
Do I need comprehensive and/or collision on all my autos?
What is not covered under my auto policy?
How should I list my auto on my policy?
Are my miles limited if my auto is "pleasure use"?
Am I covered if I also use my auto for business?

What is auto insurance?
Auto insurance protects you financially from losses that can arise from the use of personal vehicles such as passenger cars, pickup trucks, and SUVs. Auto insurance may pay to fix your car after an accident, for example, or pay to fix another person's car if you're responsible for the damages. Most auto owners are legally required to carry certain auto insurance coverages, such as liability. (Contact MetLife Auto & Home to find out what coverages are required in your state.) See your policy for restrictions.

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What is auto liability coverage?
Even the most careful drivers can cause an accident and they don't even have to be 100 percent at fault in the accident to be financially liable for injuries and property damage. Two common types of auto liability protection are:
• Bodily Injury (BI), which pays for claims to a person you may have injured.
• Property Damage, which pays to repair or replace another person's car or property that you've damaged.

See your policy for restrictions.

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How much auto liability coverage do I need?
Your liability limit should be high enough to protect all the assets you've worked so hard to get. That's because those assets may be targeted in a lawsuit, if you're involved in a serious auto accident. Your assets include the total values of your house, vehicles, personal possessions, savings accounts, and more.

For added security and peace of mind, consider purchasing more than the minimum liability limits required by law; the additional cost for higher limits is relatively small compared to the additional protection you receive. If you have substantial assets that exceed the highest liability limit we offer, consider a personal excess liability (umbrella) policy.

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Can I have different Bodily Injury (BI) limits for each of my vehicles?
No, you must select the same Bodily Injury limit for all autos on your policy. Why? Because your liability exposure -- that is, the chance that you'll injure another person or another person's property -- is the same regardless of which auto you're driving. Refer to your policy for state exceptions.

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What is the difference between collision and comprehensive coverage?
Comprehensive coverage pays for physical damage to your auto caused by things such as fire, theft, hail, vandalism, and animals. These events are called “perils” in your policy. Some examples of a comprehensive loss include:
• your auto is struck by debris that falls from an overpass
• your auto is damaged by a tree falling on it
• your auto is partly or totally submerged in water
• your auto is maliciously scratched
• your auto’s tires are slashed
• your auto's windshield is cracked by a stone

Collision coverage pays for physical damage if your auto is hit by another vehicle or runs into an object. This coverage will pay for damage to your auto regardless of who causes the accident. Some examples of a collision loss include:
• your auto strikes or is struck by another auto
• you hit a pedestrian, damaging your auto
• your auto hits debris lying in the road 
• your auto strikes a tree or fence
• your auto is struck by a shopping cart
See your policy for restricitons.

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I just traded in my old car and bought a new one. When do I need to notify my insurance company?
As soon as possible. The insurance coverages on your old car will automatically transfer to your new one, but be aware that if you didn't carry comprehensive and collision on your old car, you won't have them on your new car either until you notify us.

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If I want comprehensive and/or collision coverage, do I need to carry it on all my insured vehicles?
No. You can make comprehensive and/or collision coverage choices individually for each of your insured vehicles.

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What is not covered under my auto policy?
Some of the things not covered by your auto insurance policy are:
• Wear and tear
• Freezing
• Mechanical breakdown
• Road damage to tires by potholes
• Refer to your auto insurance policy or consult with a MetLife Auto & Home representative for restrictions.

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I use my auto to drive to work and run errands. How should I list my auto on my policy?
You should list your auto as "commuting to work or school."

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My auto is listed as "pleasure use." Am I limited to the number of miles I can drive?
No. For insurance purposes, you can drive unlimited mileage with your auto.

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Am I covered under my personal policy if I also use my auto for business?
In some cases, yes. But first, let's clarify the difference between personal use and business use:
• If you own your own car and you simply drive to and from your principal place of business or occupation, it is considered personal use and will be covered under your personal policy.
• If in addition to commuting to work, you also use your vehicle for other business-related driving, such to go on sales calls or to carry tools, supplies, and equipment to a job site, it is business use. It may or may not be covered under your personal policy.

To ensure that you have the appropriate insurance for your needs, please consult with a qualified insurance representative.
See your policy for restrictions.

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