MetLife, Your Life®

Simple Tips for Life’s Unpredictable Moments

How to Submit a Vehicle Damage Claim

Accidents happen. Make sure you’re prepared to submit a vehicle damage claim to MetLife Auto & Home.


Before Submitting a Claim

It’s important to contact your auto insurance company as soon as possible after your vehicle is damaged, whether the damage is minor or major. Before contacting MetLife Auto & Home by calling 1-800-854-6011 or going to the website, make sure you have the following information:

You also want a police officer to write up a report of the accident. Don’t forget to ask the officer for the report number and department. Also, get the names and phone numbers of any witnesses, so they can be contacted during the claims process, if necessary.

Filing Methods

Thanks to modern technology, phoning your insurance company isn’t your only option to file a claim.

If your vehicle damage is minor, you might be eligible for MetLife Auto & Home Choice Express℠. This app-based service allows policyholders to submit photos of the damage and receive an estimate and payment within a few hours. This eliminates the need to take your vehicle to a body shop or meet with an adjuster.

After Submitting a Claim

Once you’ve submitted your claim, typically the next step is talking with a claims professional to discuss what your policy covers. This person evaluates all available information, including accident and injury reports, vehicle damage information and more. Should your vehicle be deemed unsafe to drive, based on your state’s vehicle safety standards, MetLife Auto & Home can assist you in securing other transportation. Through a partnership with ERAC & Hertz, MetLife offers its policyholders discounted rates on rental cars.

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