MetLife car insurance uninsured motorists coverage protects you and your family against irresponsible drivers
When it comes to car insurance, you can add a variety of policy options to your existing coverage. These additional options are designed to protect you from nearly every accident situation. MetLife car insurance uninsured motorists coverage is one such option and can help protect you from auto repair expenses and medical costs associated with accidents involving uninsured drivers.
A coverage option you may need
MetLife uninsured motorists coverage is designed to pay for expenses that would normally be covered under the liability policy of the other driver involved in your accident. If you are in an accident involving a driver who does not carry liability insurance, your MetLife car insurance uninsured motorists coverage will kick in. This means that you will not be responsible for the damage done to your vehicle or for any medical costs that result from an accident-related injury. Depending on your situation, you may also be entitled to compensation for pain and suffering.
Drivers and passengers are not the only people vulnerable to injury from uninsured drivers. Pedestrians also find themselves stuck with high medical bills when hit by an uninsured motorist. An added benefit of MetLife auto insurance uninsured motorists coverage is that you may also be covered even when you aren't driving. This coverage will pay for any injuries you or your family members sustain if hit by an uninsured motorist while walking.
We'll send you free quotes on car insurance with uninsured motorists coverage
One other advantage to this coverage is that it will protect you and any covered family members or passengers if you're injured or your car is damaged by a hit-and-run driver.
You may qualify for discounts
Additional coverage options for auto insurance can be expensive. Fortunately, MetLife offers several generous discounts for drivers. If you are unsure about whether to purchase insurance coverage against uninsured drivers. MetLife gives you the following discount options to help reduce your overall cost:
- Safe driver discounts
- Driver training course discounts
- Mature driver discounts
- Multiple car discounts
- Multiple line discounts
- Anti-lock brake discounts
- Restricted mileage discounts
- Good student discounts
MetLife offers other discount options in addition to these money-saving programs depending on your circumstances and the state in which you live and drive. Ask your MetLife representative which discounts might apply to you.
If you are at fault in an accident, your liability coverage will pay for damage to the other driver's vehicle and any injuries that the other driver sustains. If you are hit by an uninsured driver, you may not be able receive any payments for damages or medical bills without an uninsured motorists policy. Every state has some level of liability coverage requirement for licensed drivers and a handful of states require licensed drivers to add uninsured motorists coverage to their liablity coverage. Make sure you know what your state's requirements are and that you are in compliance.
(This guide can show you other car insurance options available from MetLife)
Every driver has different car insurance needs. If you aren't sure about what type of insurance you need, you can speak with a full-service car insurance agent and review comparative coverage policies and quotes. Reply! can connect you to insurance agents in your area who can help you decide if purchasing a MetLife car insurance uninsured motorists coverage policy would be a good fit for you.