Like other car insurance companies, Metromile sells the following standard types of car insurance:
Liability car insurance
Liability car insurance pays for injuries and damage to others if you’re at fault in an auto accident. It also pays for judgments, settlements and legal fees related to an auto accident you caused if you’re sued.
Uninsured and underinsured motorist coverage
Uninsured motorist insurance pays for medical bills and other expenses if you or your passengers are injured in an accident caused by a driver without auto insurance. Underinsured motorist coverage pays medical bills and other expenses for you and your passengers if you’re hit by a driver who doesn’t have enough car insurance to cover damages and injuries from the accident.
Personal injury protection insurance
Personal injury protection (PIP) pays for medical bills, lost wages and replacement services for tasks you cannot perform, such as child care, if you’re injured in an auto accident, regardless of fault. Metromile offers PIP only in New Jersey, Oregon, Pennsylvania, and Washington.
Medical payments coverage
Medical payments (MedPay) coverage helps pay for medical expenses for injuries and other expenses you or your passengers received in an auto accident, regardless of fault.
Collision and comprehensive coverage
Collision coverage pays to repair or replace your vehicle if it hits another car or object, such as a pole, regardless of fault. Comprehensive coverage also protects your car by paying for theft and damage caused by non-crash incidents, for example damage from hail, fire, floods, falling objects, vandalism and animal strikes.
Collision and comprehensive coverage are not required by law in any state, but if you have a lease or loan your lender will usually mandate these coverages.
