Metlife Auto Insurance: Windshield Replacement Coverage And Exclusions

If you have a cracked or chipped windshield, MetLife Auto Insurance can cover the cost of repairs or replacement. The company allows customers to file a claim by phone or online, and you can choose your own auto glass repair service provider. MetLife also waives your deductible if you opt for repair over replacement.

To file a claim, you can call MetLife's 24/7 claims line or submit a claim online. Once your claim is approved, you can schedule a repair or replacement with your chosen auto glass repair service.

Filing a claim with MetLife

MetLife offers a 24/7/365 claims service for auto or home insurance. If you need to file a windshield replacement claim, MetLife now requires its customers to go online. You will need to answer a few simple questions, which should only take around 15 minutes.

You will be asked the following questions during your call:

• Do you already have a claim number for this incident? Have you made a report about this claim before?
• Has any work been done on the vehicle?
• Can [the agent] have the correct spelling of your first and last name?
• Can [the agent] have your telephone number, including the area code?
• Do you have another phone number at which you can be reached?
• Are there any other phone numbers you would like to add?
• Is there an email address to which we can send information about your claim?
• Can you provide us with your MetLife policy number?
• When did the damage to your windshield/auto glass occur? When did you first discover the damage?
• What is your policy’s zip code?
• Do you know what caused the damage to your windshield?
• Was there any other damage done to the car? Was there anything stolen, or was there any damage?
• What address is used on your policy?
• What is the make, model, and year of your vehicle?
• How large would you estimate the damage to your vehicle to be? Is it bigger or smaller than a dollar?

If you are filing a life insurance claim, MetLife has created a claim kit and process summary to help you through the process. There are two claim kits to choose from, depending on who the named beneficiary is.

The first is the individual beneficiary claim kit, which you should choose if you are the named beneficiary of the policy. The second is the trust/entity claim kit, which you should choose if you are claiming the proceeds on behalf of an estate, a trust, or a company.

You will need to complete the claim form and return it to MetLife, along with the death certificate and any other required documents as outlined in the kit. If the policy you are claiming is less than $100,000 or the original/certified death certificate is already on file from another beneficiary, you can submit your claim and documents by completing the form online, emailing it to [email protected], faxing it to 1-908-655-9586, or mailing it via USPS to the address provided in your claim kit.

If you have any questions or concerns, you can call MetLife at 1-800-638-5000. They are available Monday through Friday, from 9:00 a.m. to 6:00 p.m. Eastern Time.

Choosing a repair shop

When choosing a repair shop for a windshield replacement, there are several factors to consider. Firstly, it is essential to prioritize quality. You want a durable product that will last, so conducting thorough research is key. Look for customer reviews and feedback to gauge the quality of work offered by different companies. Ask about the type and quality of materials they use, ensuring they meet your standards. Some companies may also provide examples of their work or before-and-after pictures on their website.

Experience is another crucial factor. Opt for a company with substantial experience in the auto glass repair industry. Consider the technicians' qualifications and the level of expertise they hold. A well-established company is more likely to have a team of qualified professionals who can handle various types of windshield damage. Additionally, choose a company with a good reputation to ensure reliability.

It is also important to verify the company's licensing and insurance. Ensure that all their certifications and licensing are up to date. This provides assurance that you are dealing with qualified professionals. Inquire about warranties and guarantees to cover any potential damages during the repair process.

When making your decision, don't hesitate to compare prices between different auto glass companies. Request free estimates to understand the potential costs. While budget is a consideration, remember that the cheapest option may not always be the best.

Lastly, look for a specialist that follows a "`repair first` policy". This means they will prioritize repairing over replacing your windshield, which can save you money. If a technician recommends a full replacement for minor chips and cracks, consider getting a second opinion.

MetLife's guarantee

MetLife provides customers with the freedom to choose their preferred auto glass repair service provider, ensuring they can select a company they trust. Additionally, MetLife has approved specific shops, like Glas Tek and Speedy Glass, as preferred participants in their insurance program. These shops are guaranteed by MetLife, providing an extra layer of assurance for customers.

For MetLife Auto & Home customers, the repair process is seamless. The company waives the deductible if customers opt for repair over replacement, making it a cost-effective choice. MetLife also stands behind the work done by its approved shops, offering a written warranty for added peace of mind.

The company's guarantee extends to the claims process, ensuring customers feel supported throughout. With a new Twitter account dedicated to answering service and claims questions, MetLife demonstrates its commitment to accessibility and customer satisfaction. Overall, MetLife's guarantee provides a stress-free experience for customers requiring windshield repair or replacement, backed by the company's reputation for exceptional service.

Waived deductible for repairs

If you have a cracked windshield, you can file a claim with MetLife at any time, either by phone or online. You can call 1.800.854.6011 or use their online glass claim submission process.

Once you have filed your claim, you can schedule a professional auto glass repair service with one of MetLife's approved repair shops. One such shop is Defender Auto Glass, which offers the additional benefit of providing a guarantee for their work. Another is Glas Tek, which is a preferred participant of MetLife's insurance program and is guaranteed by the insurance company.

When you file a claim, you will be asked a series of questions to determine whether a chip repair or a full windshield replacement is authorized. You will also be informed of your deductible amount.

If you choose to work with Glas Tek, you will only pay MetLife's contract pricing, with no additional out-of-pocket expenses. In fact, you can get up to $150 back in cash for your windshield replacement claim just for choosing Glas Tek.

Remember, it's important to get repairs done as soon as possible to prevent chips and cracks from spreading and causing more extensive damage.

Contacting MetLife

If you need to contact MetLife regarding windshield replacement, there are several ways to do so. Firstly, you can call their customer support line at 1-800-MET-LIFE (638-5433) or 1-877-638-2862. You can also connect with a MetLife representative by filling out a secure form on their website.

If you are a MetLife policyholder and need to file a windshield replacement claim, you must do so online. You will need to answer several questions during the claims process, including providing your personal information, policy details, and information about the damage to your windshield.

It is important to note that MetLife utilizes a third-party policy administrator for auto glass repair and windshield replacement claims. This means that an external company will handle the claim on behalf of MetLife, and you may be directed to them during the claims process.

To ensure a smooth and efficient claims process, make sure to have all the necessary information readily available and follow any instructions provided by MetLife or their third-party administrator.

Frequently asked questions