Milestone PNC Insurance

Agent Portal: MetLife: Auto

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Included, Optional Coverage, Discounts

GrandProtect Information Combo Information Auto Manual

Included

Special Provisions

Bodily Injury and Property Damage Liability

  • Available limits for BI: 30/60, 50/100, 100/300, 250/500.
  • Available limits for PD:  25, 50, 100, 150, 200, 250.

Additional Coverage

  • Legal coverage: Up to $200 a day for lost wages during a hearing or trial. Expenses incurred by the insured for first aid after an accident. All court costs levied against the insured.
  • Special parts replacement: pays 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

Other Highlights

  • Online Services available. Including App.
  • Deductible waived for small glass claims. If the windshield is chipped or cracked.
  • No limit on towing and labor: If comprehensive and collision are purchased. No deductible.
  • Deductible waived if the other vehicle is insured by MetLife.
  • $12 a day provided for rental coverage. $25 a day if the vehicle is stolen.
  • Items damaged by covered loss will be reimbursed up to $300.
  • Replacement cost loss settlement for vehicles: with less than 15,000 miles or less than one year from time of purchase.
  • Deductible savings benefit included: for each year without a claim, $50 deductible credit will be added. Goes up to $250.

Optional Coverage

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Uninsured Motorist Bodily injury and property damage.

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  • Available limits for BI: 30/60, 50/100, 100/100, 100/300, 250/500, 300/300, 325/325, 500/500.
  • Available limits for PD: 25, 50, 100,150, 200,250,300,325,500.
Comprehensive Coverage
  • Coverage for your auto other than collision.
  • Zero dollar glass coverage available if selected. (Looks like “w/glass).
Collision Coverage
  • Coverage for auto after collision with an object.
Personal Injury Protection

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  • Pays for funeral expenses, loss of income, and medical expenses.
  • Available limits: 2500, 5000, 10000, 25000.
  • Unavailable if medical expenses are selected.
Medical Payments
  • Pays for medical payments needed after an accident.
  • Available limits: 2500, 5000, 10000, 25000, 50000, 100000.
  • Unavailable if PIP is selected.
Non-owned Vehicle Coverage

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 ·       Coverage can be added to support vehicles you do not own.
Vehicle Conversion or Customization ·       Provides coverage for the parts of a customized vehicle.
Substitute Transportation Expense ·       Provides coverage for rental car expenses.
Motor Home Coverage

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View Contents Coverage

 ·       Allows you to cover motor homes on your policy.
Automobile Lease or Loan Gap Coverage

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 ·       Pays for the amount owed to the leasing or loan company after a total loss.
Custom Sound Equipment

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 ·       Provides coverage for custom sound equipment in the vehicle.
Lyft Driver

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 ·       Coverage will change to extend liability and damage to your auto if you are a Lyft driver.
Motorcycle Coverage

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 ·       Allows you to cover motorcycles on an auto policy.

Discounts
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Clean in Three Clean driving record for the past three years.
Clean in Five Clean driving record for the past five years.
Clean in Seven Clean driving record for the past seven years.
Utility Vehicle Discount Provided to utility vehicles only.
Safety Device Discounts Available if the vehicles have passive restraints or anti-lock brakes.
Driving Safety Discounts Driver improvement course was complete.
Anti-Theft Device Discount Active disabling devices or passive disabling devices.
Resident Student Discount Available for the operator is a student under 25 years of age and lives on campus at least 100 miles away from the home.
Multi-policy discount Available if the insured is has other business with MetLife.
Discount for Farm Vehicles Available for farm vehicles when 50% of the insured’s income is from farming or ranching.
My Journey Available if you sign up for the My Journey program. They provide you with a device that tracks vehicle usage. You will drive around with this for 24 months. Upon renewal you will receive a personal rate. There will be an enrollment discount to start, then you receive a discount upon renewal based on your driving.
Good Student Discount Available when a driver older than 16 but younger than 25 has at least a B average and can provide a report card.
Homeownership Discount Available when the insured is a homeowner.
Protective Enclosure Discount Available when the insured’s vehicle is in a closed enclosure.
Tenure Discount The longer the insured has been employed the better the discount.
Welcome Discount Available when the insured is new business and has multiple policies.
ExpressIt payment discount Discount for using the auto-EFT option.
Superior Driving Discount (MetRewards) ·       Larger each driver goes without accidents or violations with MetLife the higher the reward.

·       Clean driving record for the past three years.

·       Clean driving record for the past five years.

·       Clean driving record for the past seven years.
Defensive Driver Discount ·       Voluntarily enrolled in a motor vehicle accident prevention course.

·       Certificate required.

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