Auto Insurance

Personal, Commercial, Motorcycle, Boat/PWC Insurance, ATV Insurance, Dirt Bike Insurance, Moped/Scooter Insurance, Snowmobile Insurance, RV Insurance, Golf Cart Insurance, Segway Insurance

The vehicle you depend on should have coverage you can count on. Metro Insurance offers comprehensive auto policies at competitive rate from a wide range of companies

Liability Protection

Even the most careful drivers can cause an accident, and they don't even have to be 100 percent at fault to be financially liable for injuries and property damage.

  • Bodily injury coverage pays claims in the event you're responsible for an accident in which somenone is injured
  • Property damage coverage pays claims for damage your vehicle causes to someone else's property, such as his or her car, mailbox, or a fence on his or her land

Concerned about how sky-high judgments could affect your assets?

Collision and Comprehensive Coverage Advantages

Collision coverage pays for damage to your car if it hits another vehicle or object, or if your car rolls over, no matter who causes the accident. Comprehensive coverage pays for damage to your car caused by something other than a collision, such as thefe, vandalism, fire, flood, and hail.

Some companies give you more complete coverage, including:

  • New car replacement: if you total your new car within one year of purchase or during the first 15,000 miles-whichever comes first-you get the full cost of the new car with no deduction for depreciation.
  • Major parts replacement:we'll pay to replace certain major parts-like tire, brakes and batteries-no matter what their wear-and-tear at the time of the accident.
  • Free glass repairs: if your windshield is chipped or cracked, we'll repair it and waive your deductible. Repairs are usually completed in fewer than 30 minutes.
  • Guaranteed Repair Program: choose one of our carefully screened recommended repair facilities. and we'll guarantee the work for as long as you own that auto. but it's voluntary; use any repair shop you like. Not available in all asates, such as MA.

Medical Payments Coverage and Personal Injury protection

This covers costs of doctors, hospials and funeral expenses, for you, your resident relatives,and/or your passengers, resulting from an accident, regardless of who was at fault. You'll also be protected when you drive another person's car( with permission) or if a vehicle strikes you or family members, as pedestrians.

In some states, Medical Payments Coverage is called Personal injury Protection, and may pay for lost wages and replacement services for an injured party.

Uninsured/Underinsured Motorists Coverage

Uninsured motorists (UM) coverage pays the cost of damages and injuries resulting from being hit by an uninsured driver or by a hit-and-run driver. It also provides coverage if an uninsured driver strikes you or family members as pedestrians. Coverage for both you and your passengers include medical expenses, lost wages, and other injury-related losses. Underinsured motorists (UIM) coverage will pay for damages that exceed the amount of coverage carried by an underinsured driver.