I was rear ended in November. No one was injured and my car had a scratch on the bumper and their car had a small dent on their grating. Because of the way the person acted, I decided to inform my insurance Met Life about the accident. I told my insurance company I was not filing a claim. In December I received a premium adjustment which raised my premium three (3) times the amount it had been. They were charging me a surcharge for the accident. The accident that wasn't my fault, no claim filed. I will be changing insurance companies.
UTAH -- I have had auto insurance through Met Life for over four years now and have never had any accidents. My daughter bumped someone eight months ago and because the damage was nothing more than a scratch, both parties decided to go their separate ways. No police report was ever filed, however approximately three weeks ago the couple contacted my daughter informing her to either pay eight hundred dollars for damages or they were going to file a claim, to which they did file a claim and Met Life paid out the eight hundred dollar damage. Which didn't bother me until I got the letter stating the rate increase my policy went from $4300 dollars a year to $5988 a year.
I just don't understand what I'm paying for if an $800 dollar damage can increase my yearly payment $1688 dollars, then I am apparently in the wrong business.
I have had auto insurance with Met Life for 15+ years and have never had a major complaint. I have moved several times and changed out cars. No problems whatsoever. Simply call and drop a car and add a new one... as often as you like. I've had claims and they paid promptly. When calling customer service, they are friendly and very helpful.
My only complaints are that they tend to increase the rates regularly. When I questioned them they said that it was going up all over the state but I couldn't prove/disprove it. Also, when my boyfriend and I split up (we were on the same auto policy) I had to PROVE he had insurance somewhere else before they would let me drop him. His car, no problem. But him, I had to have proof for. (What if he didn't have a car??) Anyway, luckily for me, it was an amicable split and I was able to get the proof. But then this was 10 years ago so they may have changed how they handle that situation.
Overall I have loved being a Met Life customer. I would recommend to anyone that they contact them to get a quote.
BOSTON, MASSACHUSETTS -- A big truck tire in the road, it damaged my radiator and the car overheated. The head was warped and had to be machined. The claims dept could not figure how the radiator got damaged. They denied the claim. After trying to reach them, which was impossible, the adjuster never called me back after I left a message everyday. The insurance agent was useless, no more than a lump on a log. Because of the adjusters attitude and lack of knowledge, I wouldn't ever recommend using this company for any of their services.