MetLife Auto

My accident occurred on 7/5/11, while driving over Coldwater Cyn. in Beverly Hills. We were all traveling at 10 mph at the most. The man behind me plowed into me hard enough to shove me into the car in front of me, and him into a 4th car in front of him. I still can't figure out how he got enough speed to plow into me but he managed to total his car, caused me a broken transmission casing, exhaust pipe, rear and front bumpers and now, motor mounts and a faulty driver's seat. When I called to request a supplemental payment for the motor mounts, they tried to deny it but I have a receipt for replacement of motor mounts done a few months prior ( due to a nasty accident in Oct 2010 where a drunk driver ran a red and swiped off my front end, my poor trailblazer). Now, I've been waiting for payment for over a month and they have to send out another appraiser (supervisor) because they weren't satisfied with the original appraiser's review. I'm having the mounts done today because the vibration has become too annoying to deal with any longer. My mechanic is nicely allowing me the repairs and waiting for the payment. I am very frustrated as they haven't even assigned me a new adjustor (the old one got a different job in the company), they never called to communicate the status of the request, they change people randomly on you, and have a horrible attitude, like you are trying to rip them off.

I am a responsible premium paying customer and am disgusted with this company. I changed my policy this month! They repeatedly asked why I waited for 6 months to request this repair and I explained that I had repeatedly asked the body shop and mechanic to check the mounts and they repeatedly told me they were fine when in fact, they were not. It wasn't until I replaced bushings and upper and lower ball joints in the front end, and the vibrations grew louder and harder, that my mechanic finally conceded that the engine was, in fact, moving up and down too much! I feel insulted by this company as though I created the whole accident and damage, and I refuse to give them another dime of my money.

In whole, the customer service in this company is horrible and they must be paid to not pay claims or why else would they be so underhanded? By the way, I work with medical insurance companies every day and handle collection of the unpaid and under paid claims, and I have never had to deal with such horrible customer service reps.

My Chevrolet van was stolen/robbed and vandalized on August 16th of 2011. It is insured by Metlife Insurance Co. It is almost half of the year since that date and my vehicle is still at workshop. It is still neither in workable condition nor safe to drive. Metlife incompetence is horrible. One day they come with a decision which is reversed the next day and case is stopped at dead end. I feel like Metlife plays the game with me. It is a shame that Metlife is first to collect the money and the last to fulfill the obligation. Please feel free to contact me for further detailed information about this case.

I have the misfortune of having to deal with MetLife. A person with MetLife insurance hit my car (parked on side of the road in parking lot) and he backed his car without looking. He denied fault because he argued where I parked caused this accident, rather than his own fault that he did not look at his surrounding while backing. My car was not blocking him from coming out.

Anyway, I filed my claimed the same day and my insurance finished their investigation the same day (on New Years day!). I filed claim with MetLife as the other guy did not do so after couple of days. Been 2 weeks and MetLife still has not finish their investigation (tool 1 1/2 week for them to get recorded statement from their policyholder!). Every time I called, I forced to deal with the claim adjuster assigned which she does not answer the phone at all. All calls automatically goes into her voice mail. I tried to talk to another agent but she couldn't help very much and she indicated she will have the agent call me back. Have not heard back from her. Unreasonable length in settling claim process. Unable to reach the person handling the claim causing undue stress.

My grandson purchased a brand new truck, loaded, gave a down payment plus paid for TT&L and financed the balance. He insured the truck with Metlife. After having the truck for 8 months, he had an accident and they totaled the truck right away. They decided they were paying so much and that was it. My son talked to them and I emailed them not one, but several proofs of how much the truck was worth. Well, it only took them longer to finally decide they were only paying so much. Not only did they not pay off the balance of the loan, they also deducted $1,000.00 for the deductible.

One star is too high but you don't allow zero. It is now over a month and my claim is not settled (see my earlier post). Conversations on the phone are courteous and meaningless. They'll say whatever's needed at the moment to get you off the phone and onto the next victim. "We'll call you back", "the check is in the mail", "we'll be sending a fax within 15 minutes", "we received none of your faxes", "we do not use USPS express mail", "the check is lost and we'll reissue". All of these phrases are phone speak for you're getting nothing out of us until we're darn good and ready.

Metlife cancelled my auto insurance on Oct 2011. They did not notify me until Dec 2011. I got Geico insurance on Dec 10,2011. Metlife withdrew $196.30 from my checking account today, 12/22/2011. Metlife has been taking my money from my account since September. I want the money Metlife owes me ASAP.

They have been over charging us for the 43 days we had them, and they keep trying to take money out of my husband's checking account. I finally got hold of a supervisor, and he hung up on me, acting like he couldn't hear me. I was on my house phone. It's not like I lost service! I'm so angry!

Unbelievably poor. Your system requires me to give them at least one star, as 0 is not valid. What is this if not 0. Two weeks after my accident, my car continues to languish in the Ford dealership, without any repairs begun. I have had to pursue with phone calls repeatedly and while each representative has been sympathetic and courteous, the system cannot be moved. The other car was cited by police, but Metlife says their insurance refuses to pay so I must pay $500 deductible and they will not pursue the other insurance on my behalf.

My wife got involved in a car accident with two other cars. After reporting the claim to Metlife 3 days later, I got a call from a Metlife agent stating, "Mr. ** your car is total lost". I was like wow, OK. She stated that "we find your wife at fault for the accident". Metlife refuse to pay the retail value of my car Acura MDX 2002 91K book value $13500.00. Metlife offered me $7000, wow. If my wife was not at fault, they would have paid me $15759.00, wow.

I had a pedestrian run out in the middle of the street and run their head into the side of my car attempting to commit suicide. MetLife is saying I have to pay a deductible. I can't understand if the insurance company is supposed to make matters easy for you in times of trouble. Why are they making this so hard? Why can't they just go after the person who did this, take care of their client (me) and recoup their losses from the person who did this? I do not feel this is fair to me. Please advise.

On 12/22/20010 at 12:23:35 in Denver, CO, I parked in the isle of King Soopers parking lot on University Blvd. and Highlands Parkway, as I wait for another car to come out from parking on my left side, the car parked in the disable parking on my right side reversed her car, and hit me on the right side and damaged the pumper. The same was reported to her insurance and recorded the incident. MetLife car insurance sent appraiser to assess the damage.

When I contacted the insurance company for the progress, she informed me that the third party has accepted her fault, but they will deduct 10% of the claim because I was not careful and I should have honked her. I explained that I was looking toward the left side to where I was going to park my car in shopping center, how can I, at the same time, look on my right to where a car was parked and not moving. She should have been careful while coming out from parking lot. I told her that I should have definitely honked her, if I had seen her coming out from the parking spot. She had not accepted any of my argument. I contacted Tim, a supervisor, but in vain. I called my car insurance company and they agree to my point of view and advise me to write a complaint to you.

I hope you will give sympathetic consideration to the matter and help me to settle the matter with Met Life, accordingly. If you have any question please feel free to contact me. Your help in this regard will be highly appreciated. They have sent me the check deducing the 10% from the amount assessed by the adjuster. Check is still with me and I have not taken my car for repair to body shop. Looking forward to hear from you.

I had an automobile accident on December 3rd. The vehicle I was driving was a 2001 Chrysler 300M, and I had just purchased it approximately 2 months before my accident. I called Metlife to report the accident while still on the scene of the accident. A couple days later, I had a message left from a lady asking that I return her call regarding my claim. I tried to call her back the next day and got her voice mail and left a message. The next message I received was from a man telling me that my car was a total loss and that I needed to get my personal belongings out of the car and notify them to give them permission to remove the vehicle from the collision company.

No one had even contacted me concerning what was taking place with the vehicle. I tried to call back and finally just kept pushing buttons until I could reach a live person and no voice mail. The lady I spoke to really could not help me because as of yet, my claim had not yet been assigned to a claims adjuster, but that someone should be contacting me within the next 48 to 72 hours. This was about 5 days after my accident. By December 13th, I still had not talked to anyone and did not know exactly what was going on with my car or what my options were. So I called and spoke to a lady named Laurie who told me that my claim had been assigned to a woman named Erin **, but she was not in the office.

I explained to Laurie that I had not heard from anyone and wanted to know what was going on with my car and what my options were. She went over the information she had as far as what the offer was on my car. In that conversation, she asked me when did I think I could get the car cleaned out so they could remove the vehicle. I told her I was hoping to do it within the next day or so, and would let them know. As for the offer on the car, the car dealership told me they would work with me, just to let them know when I knew what the offer was. Laurie explained to me that she would send the paperwork I needed by FedEx and I should have it by the next day, and to fill it out and fed ex it back to them as soon as I could.

I told her I would and that I would try to get the car cleaned out soon and let them know. That was on a Monday. I went to the collision place I believe that following Tuesday to clean my car out and it was gone. They had already removed the vehicle with my tag still on it and my personal belongings still in it without my permission to move the vehicle and it now sits in mid South Florida somewhere. As you can guess, I was very upset and angry. The lady at the collision company called the car op to see if they could mail me my tag and all the belongings out of my car. They told her my insurance company would have to call them and request it be mailed to me.

I called the insurance company and spoke to another lady about the incident, first wanting to know why they moved my car without my permission to begin with. I explained to the lady that I had spoken to Laurie on Monday and told her I was hoping to get the car cleaned out in the next day or so then they could come get it, but I would call and let them know. Also told the lady I was suppose to be receiving a fed ex package with paperwork in it, but had not received it yet. The lady told me she was sorry that it appeared that the mix up was that when I spoke to Laurie and told her I would clean the car out in the next day or so, she took it as permission to remove the vehicle and logged it in the computer that way. I told the lady that was wrong, but either way, I spoke to Laurie on the 13th, the car was taken on the 14th, if I said a day or so, that was a day, not a day or so.

The lady apologized for the mix up and told me she was going to call the place that had my car and get them to totally clean the car out, and remove my tag and mail it all to me, and that would give me a call back and let me know what exactly was being sent back to me. That was on the 16th, today is the 30th and I have not yet received a phone call nor have I received any of my belongings including my car tag. I went to the car dealership to talk to them and update them on what was going on, they were trying to work with me to get me another vehicle since all this time I had been without one and having to get a ride to work and back, or borrow a vehicle to go to the store or take my kids to the doctor, etc.

The dealership called to find out what was going to take place and what paperwork they needed from them to wrap things up, after they were placed on hold, given the runaround and 3 different phone calls, they finally spoke to a lady that told them I had to call first and accept the offer. I told Laurie on the phone that if that was what they were offering, I guess I had no choice but to take it when I spoke to her on the 13th, that was why she was sending my paperwork, or suppose to be. Apparently, she got everything backwards when we got off the phone. So I called them back to accept the offer.

I finally received my FedEx package on the 20th, and returned it on the 21st. The car dealership went ahead and put me in another vehicle. As I said, today is the 3oth, and no phone call about my belongings and no belongings. And I have not received one phone call from my claims adjuster Erin **. No voice mail message from her, not a word. Haven't as of yet spoken to her, although I did get a letter and a bill for payment. This whole situation had stressed me out, I am a single mom of three boys and work every day during the week and sometimes long hours.

It would have been nice if I wouldn't have had to chase everyone down to find out what was going on. I am a nurse at a long term care facility and my job alone is stressful enough. Worrying over all this has given me little sleep and a short temper with my kids and co workers. It has had an effect on me. Now I have another vehicle and no tag to put on it. Don't know what I can do, but feel like I have been drug through the mud then ran over and they should know they can't treat people like this.

Bet if I was the nurse in the ER they came into with half their arm severed off, they would want attention immediately and some relief from the pain. Kinda the same situation, its hurtful enough that you wrecked a vehicle you just had to borrow 1500 dollars to pay down on, and then $673 in taxes, tag and title transfer just two weeks before. It is close to Christmas, you have not even bought your kids anything for Christmas, now you have no ride and don't know whats gonna happen and you done paid your insurance company almost $3000 dollars in one year only to be treated like ** and be stressed out.

I was traveling northbound when I struck a vehicle exiting the rear parking lot behind an office supply store. The other driver exited the rear parking lot with intentions of turning left (south). The driver came out of nowhere. I did not have time to stop. The driver was issued an infraction for failing to grant the right of way from a private driveway. It took MetLife almost a week before contacting me. They also refused to authorize my rental car due to the fact that they did not have the Police Report (going on two weeks now). I ended up obtaining the police report myself. All the repairs have been done to my vehicle. Today, I received a call from the MetLife adjuster Brenda ** telling me that MetLife is only paying 80% of my repair bill. They admitted that their insured was at fault, but the other driver should have been in plain view and that I should have had plenty of time to stop my vehicle, preventing the accident.

I am now at a loss as what to do. How can I be held responsible for an accident the was clearly MetLife insured's fault?

A guy who is insured by Metlife auto hit me on the highway back in May. It is now August and my car has yet to be fixed by them. The guy who hit me is claiming that I rear ended him, but how is that possible when the damage to my car is on the passenger side? This company is slow and they do not get things done. I can't open the passenger side door to my car and it has almost been 3 months since the accident happened. Do not use Metlife. They don't get anything accomplished. My car has a huge dent in the side of it, right in front of the passenger door and it is not able to open. So anyone who wants to ride in my car either has to slide in from the drivers seat or climb in from the window or just sit in the back. This is getting ridiculous and I need my car fixed.

I am hoping you can help me understand my rights concerning a billing mistake. This is a rather long story but I will try to give all of the relevant facts. I had been insured by MetLife Auto insurance for many years and had insurance premiums deducted from my pay. When my son acquired his driver's license in 1997 he was added to our policy. In January 2008 he was taken off of my policy and established his own with MetLife arranging for the premium to be deducted from his pay. I had no complaints with MetLife before this time except that I thought the rates were high and took my insurance elsewhere in May 2010. In early June 2010, my son, now 29 years old and married, received a cancelation notice from MetLife Auto stating his auto insurance was cancelled. When he called to find out what was going on he found out that his insurance premiums had been deducted from my pay, not his for the last two years.

As of July 15, 2010 MetLife was still deducting $84.87 from my pay even though my insurance and my son's insurance policies were both cancelled. MetLife had even sent each of us rebates. When I called to try to get this straightened out I was told that they probably assumed that I wanted my son's insurance to continue being deducted from my pay. They irritated me so much with their incompetence that I wrote a letter to the MetLife Audit Committee requesting that they send me a copy of the authorization I had signed to have my son's insurance deducted from my pay or a check for the premiums that had been erroneously deducted from my pay. On July 19, 2010 I received an overnight package containing a check in the amount of $3,438.33. No letter was enclosed.

Now my son has received a series of bills from MetLife -- one threatening a collection agency will be coming after him. There are a number of amounts but no clear explanation. I have every intention of giving my son the money to pay off whatever is owed, but my question is, don't I deserve some kind of compensation for the turmoil they have put us through? Do they really have the right to collect from my son for the full two years as it was their error and not ours? I would really appreciate your help.

I was hit by a MetLife policy holder who admitted she was at fault from the moment she stepped out of her car to myself and MetLife Auto. After my intial coversation with their rep. any time I called they were too busy to talk to me and never returned my calls. From the first conversation I had with them I wanted to settle just for my out of pocket expenses and was still ignored. This is the reason why insurance companies have to pay out larger settlements because people must obtain attorneys rather then settling with a company that will comunicate with the other party.

After having Metlife auto insurance and homeowners for 30 years, we were denied renewal because of 3 small scratch and dent policies. None of the repairs was more than $500 on the other car. Our vehicle needed not body work. Plus we were overpaying by $200 every 6 months!

My wife had MetLife and not once did they pay on any claims. All the papers came back "DENIED" what a joke this company is and does

I changed my insurance provider in Jan'10 and my new provider sent Metlife the required paperwork. I called Metlife to find when I am going to get the refund, they stated they did not canceled the policy because I need to fax them a signed letter requesting the cancelation. So far I have sent them faxes with same info and cancellation request and called them about 2 dozen times to cancel my policy and refund my amount. Instead of cancellation I received a letter from a collection agency to pay up Metlife. If this was not annoying, I called Metlife again and asked whats going on, they sent me another letter to send some more paperwork. This is really frustrating that a company like Metlife is harassing people who cancel policy on them by neverending paperwork.

My car was hit by someone who purchased MetLife Auto insurance. That was his entire fault. I talked to Metlife many times about the damage. Metlife makes any excuse to say the measure is not matched. They don't want to pay any money. It is totally waste time to deal with them! Never deal and buy Metlife insurance.

November 2009, they said I had a lapse of insurance (which I had not) and requested documentation that I did have insurance in 2008. I provided the documentation they requested on 4 different occasions. Now, February 2010, they are increasing my payments to cover back insurance payment of $984. Yet when I called a few days ago, they said all was okay that I do not owe for back insurance.

I am writing this on behalf of my step-brother. The reason I am writing this is that he has been diagnosed with PTS and bi-polar which limit's his ability to concentrate and to retain details in complex matters such as this. On Dec. 8th 2008, he purchased an auto (broad form) and renters (for $75,000) insurance policy in the amount of $600 from MetLife Insurance. At the time, he was given a temporary ID card and was told his policy would arrive in the mail. His temp card expired while he never received his policy.

He tried calling several times but to no avail. Ultimately, as it turned out, the agent had pocketed the money and never turned in the money to start up a policy. So I submitted a complaint with the Washington Insurance Commissioner. During their investigation, they found that my brother was not the first. As a matter of fact, there were several others he had cheated. Three of them as far as eight months prior to my brother even purchasing his policy, yet the agent was still in their employment up until May of 2009, over a year, after the first complaint and five months after my brother purchased his non existing policy.

In August of 2009, my brother was in a car accident on the 28th then on the 29th his home burnt to the ground losing his entire life's belongings including any and all photos and personal items with which our parents had left to him. When turning in his claim, we were told he had no policy with him. It took me a little over a month to prove he did and prior to that time I did prove it. We were treated as though we were trying to commit insurance fraud and I was told because I accused this agent of scamming my stepbrother that I was making an outrageous accusation that could be misconstrued as slander, when all along as it turned out my brother was the 19th victim.

Since then, we were told by another agent still in their employment that they were trying to cover it all up until this happened to my brother and realizing I wasn't going to go away, they finally agreed to settle for $25,000. The Washington State Commissioner has since then found him guilty on all charges and has revoked his license. I turned in the inventory list on January 29th of 2010 with a claim of the original amount of $75,000 and am awaiting their response. In the matter of this agent's suspension, it is for misappropriating funds entrusted to him for premiums of the consumer.

Red Cross would only put him up for one night because he said he had insurance. I had to fight them for five more nights and Salvation Army for two nights then for the past few months. Since the fire have been trying him places to stay because his only income is his disability. He is now staying in a small 5th wheel on someone's property having to pay $400 a month plus utilities and eats take home home food for most of his meals.

I had received my insurance bill in the mail almost a week and a half later than the scheduled due date. I had mailed out the check in the sum of $125 that following day 1/18/10. Two days later, I received a notice from MetLife saying they would cancel my insurance if it was not paid by 1/30/10. I called MetLife concerning this on 1/21/10 and they said that they did not receive my payment yet! Unfortunately, MetLife was lying through their teeth because I checked my online bank statement & that check had cleared the bank that same night. The same thing has happened to my mother as well when they said they did not receive 1 of 2 bills which were mailed ensign the same envelope! If MetLife had gotten 1, they must have gotten the other. Her check cleared the bank the same night after she called them.

MetLife is trying to make it so that you pay with your credit or debit accounts double for something that was their fault! I called them today because I had received my statement for the next payment and they slapped me with a $25 late fee for something that was their fault, not mine! I called a Customer service rep and he told me there was nothing that they could do so I told him that there was something that I could do & that was write to CT's Attorney General! It still did not change their mind. I am warning everybody about this scam that MetLife is trying to pull on people by being forced to pay by credit card or debit cards to avoid a late fee or cancellation. This is a scam that needs to be investigated!

2 years ago my wife ,son and I were in an accident in Flagstaff AZ and the my wife had her back hurt because of this accident. A person sideswiped our car and kept on going but we had a witness who saw the persons car and went after them to get a license number. He got it but was told by the Flagstaff that he could not possibly have gotten it as the driver was not around long enough. The insurance company is saying that she could not have hurt her back from such a simple accident and won't settle with our attorney.

I have several vehicles insured through metlife, for my business and my personal vehicle. It has now been 10 Months since my insurance claim was filed and approved for payment and Metlife has payed me nothing, but put me through hell in more ways than anyone could imagine. My Corvette was broken into and from a relatively minor claim Metlife totalled my vehicle and made every attempt to give me nothing formy claim because I would not give them my car. They have never showed me any repair costs or estimates to support their position that the vehicle is a total loss and sent tow trucks to my home to take my car before ever even giving me a status or decision on my claim because my vehicle had nearly $80,000 invested in it to customize and appraised at $100,000. After making attempts to take my car they finally told me they were considering the vehicle a total and were giving me no option to keep the car. They did a completely falsified CCC vehicle appraisal, which they entered all false information not remotely accurate to my vehicle and they would not show it to me, only telling me my car was only worth $9,000 and forcing me to take that as the only option, wanting to take the car as the only option and it took them over 6 months to show me their falsified CCC report using the false information derived from their software, which wasn't even my vehicle.

Because I was not agreeable with them trying to so blatantly rip me off, they sent reps to my home, trespassing onto my property and attempted to cancel my claim when I made requests for information regarding my claim, damage estimates & total loss info and disagreed with their ridiculously low payout offer which was not based on any information they would show and was 10% of my actual loss. I merely requested to negotiate a more fair settlement and terms aside from their illegal, bad faith terms and actions and requested to invoke my right to appraisal and valuing my vehicle more fairly and arbitration. They have refused to show me any information on my claim or negotiate anything except their unfair initial offer and have done everything against legal standards and acted in ways that the law states is illegal, but I have no way to argue against anything they've done or are doing apparently. This is legalized car theft, trying to steal my very expensive car, attempting to take my car, leave me with nothing and refuse to negotiate past a very illegal and unfair offer that they can not and will not support with any documentation with the only intention of ripping me off when I have paid my premiums faithfully.

It's over 10 months now and after lying to the MA. Attorney General's office and telling them that they are negotiating and we are close to a fair settlement, my appraiser now tells me they are still refusing to negotiate with him and are not negotiating anything past their initial rip off terms. They told the AG's office that we were close to a $30,000 settlement, but won't budge past $12,000 which they unfairly offerred 8 months ago for a $50,000 minimum claim settlement. This does not even touch on the way I've been treated or the bad faith they have shown in completely mishandling my claim and even the Division of Insurance, the AG's office and my licensed appraiser agree this is the worst bad faith claim and blatant rip off scam they have seen whose only intention is to rip off the consumer.

I had coverage through metlife for my auto insurance and i was in a car accident one year ago, i was rearended, and i was injured i filed a claim with the other persons insurance and got a settlement from them, then proceeded to get a settlement from met life and i still have not got what i requested from them, the only offered me less than what my policy is supposed to pay out, i had to have surgery on my right arm due to nerve damage, and the insurance is stating that my surgery was unnessary, now that i'm tired of dealing with them i have accepted the small amount they offered and i was to get that this week and i'm still waiting, they promise to take care of their clients and then when it is time to they tell their clients that they are liars and make them go through hoops.

On January 30, 2009 I filed my claim with Metlife Insurance after my 1979 Custom Corvette show car was broken into and vandalized. Metlife said they would do whatever they could to help me get back what I lost, but instead only tried to stel my car, rip me off and give me nothing AFTER approving my claim. It took almost 2 months to get a decision on my claim to begin with, but even prior to hearing any word whatsoever on the status of my claim Metlife dispatched a tow truck to my home to take title [aka steal] my show car before even giving me a decision to repair my car, ever receiving a repair estimate or any information whatsoever on my claim and to this day almost 9 months later have no settlementa and have never received any damage or repair estimate....

The threats and delays have continiued several months since then and still to this day have never seen a repair cost estimate or paperwork on what they say caused the car to be totalled in the first place and they have stonewalled my claim and I have not seen a dime from them on a claim that approved for payment approximately 8 months ago!

I've complained to no end and it went to a regional supervisor who sided with the Metlife employees under him who he was supposed to be in charge of and supervising, S. Frasier, so apparently he condons this type of illegal behavior in the treatment of their loyal customers who have done nothing wrong but pay premiums and ask for supporting information for false claims and illegal acts done by a company they paid to protect them from harm.

Metlife has created a far worse situation than there ever was to begin with instead of doing what the law requires and compensating the insured back to the same position they were in prior to their loss. If they can pay out nothing they will make every attempt to do everything they can to hurt you instead of help you! It's truly criminal!

Everything they've done has been in bad faith and I didn't even have space or time enough to mention nearly every episode or illegal infraction. All I know is I have done everything required of me and have gotten nothing but further loss, distress and 9 months of sleepless nights! Metlife should be held accountable for their actions so they at least will be deterred from doing this as if it's par for the course and ripping off their loyal customers doesn't matter if they think it will help their bottom line.

Submitted to Massachusetts Attorney General: My current auto insurance carrier, USAA, called to advise me that before I could register my vehicle, an outstanding bill of $191.00 from 1995 was due to Metlife Home & Auto. I asked why USAA never brought this to my attention in the past. USAA stated that they are now part of an insurance registry network system, where all participating insurance carriers can view amounts owed to other carriers. The carriers are now essentially helping each other to collect on past debts owed.

I am not disputing that I owe the money; I can't prove that I don't. I am, however, questioning the legality of collecting on a debt that is 14 years old. I am confident that Metlife wrote down this amount as bad debt, or business loss, or some such description. Can Metlife legally collect on this debt? Is there no statute of limitations on this type of collection? Is it legal that all insurance companies are now able to band together to help collect each other's debts from their customers?

I'm out the money, but that's not the issue. I do feel abused by a huge insurance giant, and I don't think what they are doing is right.

I was involved in a minor car accident in which the woman who crashed into me admitted fault at the scene to the police officer that was doing the accident report. Within the hour I had contacted my insurance and was informed that the woman at fault was insured through Met-Life. I was given the number of their adjuster and told to make an apointment to have my tuck viewed. In the meantime, it was noted that the impact to my truck had snapped a bolt that attached a wheel to the actual frame. Needless to say, it was incredibly unsafe to drive the vehicle!

I have since spoken to at least three different people at Met-Life to insist that my truck is not to be driven and I need a rental and it is ridiculous that I might be missing work as a result of waiting around for an adjuster to come see my truck! I am unable to get the truck to a repair shop on my own dime and I was refused atow tuck through Met-Life. How many times do I need to call their office and make it clear that I am not at fault and it is their responsibilty to take care of this in a timely manner!

In addition to the irritation of not receiving any answers, I might not be able to make it to my job. I am a Nanny and my job requires me to sleep at another home Monday through Thursday. I also need my vehicle to transport the child I care for around to different activities. The family I work for is asingle parent family and he is a Long-Distance Truck Driver. If I am unable to take care of this child the father can't just run home when he is multiple states away. If I do not work, I do not make money.

I won't be able to afford to pay this months mortgage! AND, to make matters worse I am being told that they will only cover 40% of the cost of a rental! I should not be responsible for these out of pocket expenses when I was not at fault! Met-Life customer service reps have told me that they were sending someone out today and when I just called to confirm the appountment I was told that no such appointment existed. I am ready to burst with annoyance. Their custumer service reps could care less and never return my calls. I've had it.

I was involved in a two vehicle collision with the other party completely at fault. Metlife provided a very poorly done estimate of repairs for my vehicle and my collision shop found several things they missed. I had to pretty much bargain with them to get them to provide the required repairs that they missed and they also would only pay for the after market parts for my vehicle. So I then had to pay out of pocket the $600 difference to get my vehicle repaired to the way it was before the accident. I also live in a small town in New York and my house is on top of a very large hill.

They only authorized Enterprise to give me the economy rental car which would never have made it half way up the road I live on. So I asked if they could upgrade me to the regular car, I wasn't even asking for the truck which is the vehicle that was involved in the accident and they said they could not. It only costs an extra $8 a day so for the three day rental that would have been a whole $24 extra dollars. So I had to pay the extra money for that and leave work early so I could go pick up this rental car because metlife wouldn't authorize me to pick it up Saturday. As the person who was 100% not at fault in this accident I am having a hard time understanding how this whole experience has cost me close to $700.

While our economy is in the financial crisis it is, Metlife is making it very dificult for people to make ends meet when they have to pay a large amount of money to have repairs done to their vehicle that were not their fault.

On September 19, 2008, an 82 year old man lost control of his car and crashed into my home. Fortunatley, the driver wasn't hurt and no one was at home when the accident occurred. The home is an 80 year old all brick house. The brick, by the way, is a double brick wall. This prevented the car, which police estimate was traveling approx 35mph, from going through the house. However, the double brick wall was knocked about a foot off the foundation and the foundation was badly damaged. My wife and I have been insured by MetLife for 25 years. Homeowners, auto and life. We have filed 2 minor complaints with our homeowners policy during the last 25 years. We also have their Platinum Policy. We are supposedly covered for everything.

MetLife sent a their Large Claims adjuster to review the damage. As we walked through the house, I got the distinct feeeling that he was minimizing the extent of the damage. The kitchen sustained damage and the basement was badly damaged. I hired an architect and had my regular contractor review the damage. Due to the poor attitude of the adjuster, I hired a Public Adjuster to represent me. Needless to say, MetLife was not happy with this decision. To make a long story short, MetLifes first estimate came in at around $74,000. This estimate was produced soley by MetLife's adjuster who is not an architect or an engineer or a contractor. I have estimates from 2 seperate contractors which both come in around $200,000.

My architect has since filed plans for the repairs with the town and the town has approved them. When we notified MetLife that the plans have been approved, they requested a letter from the buildings supervisor of the town which lists all the mandates and codes used to approve the plans. My architect had never heard of such a request and the town never heard of one either. The town has refused to supply such a letter and has recommended that I hire an attorney because they feel MetLife is jerking me around.

We asked MetLife to hire their own builder to review the damage and come up with a more fair estimate. At first they refused and then finally agreed. Their builder came back with $95,000. Still a long way off from what is needed to do the repairs. There are so many other things that they are nickling and diming me on, they're too many to list here. As a final note, I contacted my insurance agent. A MetLife agent. He came to the house and spent over an hour reviewing the damage. He was embarrassed and angered by the way his company is traeting me. He is trying to do what he can to help.

The physical damage to the home is extreme. The foundation has been badly damaged and a large portion of the double brick wall needs to be replaced. In order to support the double brick wall above the area of repair, the plans call for the removal of the stairway upstairs so that the proper supports can be put in place. Both my architect and the town are not quite sure this will be able to be repaired due the the size and weight of the wall.

Additionally, MetLife has agrred that the kitchen cabinets will need to be replaced. They claim that $4,000 will replace the cabinets I have. I have three independent estimates that range from $20,000 to $25,000. And that's to replace exaxtly what I have now, no upgrades. My finished basement was destroyed and needs to be replaced. The driveway will have to be dug up to replace the foundation.

While riding my bike I was hit by a motorist running a stop sign who also refused to call me an ambulance. When I contacted the claims agent she was far from compassionate about her insured almost killing me and not following proper accident procedure, indeed made several bizarre and accusing statements about the circumstances of the accident.

As time wore on it became clear that she did not know how to do her job and was not able to get a police report, et cetera and I wound up furnishing most of the documentation of the accident. This went on for a while and despite my submitting piles of forms and documents she seemed never to be able to come to a clear decision. Finally one day she calls and asks me to explain the several estimates and receipts that I sent her so she could send a settlement check. After all was settled she smart mouthed about Next time I should pay more attention at intersections - a totally inappropriate thing to say considering how her insured hit me and I could have been KILLED.

Enough was enough and I got the supervisor on the line and asked her to play back recorded for training purposes conversation I just had with her sniping, disgusting employee. If I am ever in these circumstances again, no matter how minor the damage, I am just going to sue.

John of New Berlin WI (09/30/08

I have fought for 2 hours to submit a change to my polidy online to no avail. I have a rep, who is rarely available, and failed to get a new car covered even though i provided the information 2 months ago. I'm pretty much on my own with this web interface which encounters some unknown error.

In the meanwhile the bank has put the car on an insurance that is pretty high in price. My chief complaint is with the web interface to change my policy at a time when i really need some timely changes to be made.

I had damage to my truck , accident my fault. metlife told me of their approved repair shop. I did not feel comfortable with their repair shop. I took my truck to another. Got an estimate for the same amount. But, was also told that their may be addtional unseen damage. Both repair shops told me the same thing. Now it's time to pay and metlife does not want to pay for the additional damage because they said the estimate for the additonal damage was to high and if I would have taken my truck to their shop this would not have happened. In other words go where we tell you or you get nothing.

How do they know how much it would have been if it was unseen damage. Now I have to pay the extra even though their estimator went to the body shop and approved the cost but when he went back to metlife he told them another amount. I do not recommend metlife to anyone for any kind of service. I was offered metlife through my employer, of course the money is taken out of my pay check, I will cancel this a.s.a.p.. In addtion because they will not pay the body shop I need to keep the rental car for extra days, not my fault, but guess who has to pay the extra because I have exceeded the limit for the accident. WHENEVER I CALL TO RESOLVE THIS, ALL OF THE SUPERVISORS ARE GONE FOR THE DAY !!I WONDER HOW THESE PEOPLE SLEEP AT NIGHT!

On September 29th, 2006 I called Met Life to file a glass claim. I was advised that my policy was cancelled. Previously, I called on September 6, 2006 to change my address from Tennessee to Mississippi. I advised the Met Life representative that I had already received my new policy with my new Mississippi address and had no reason to question my coverage.

I later spoke with Tim, who identified himself as the underwriter of my new automobile insurance policy. He advised me that my policy was not in effect because of an error made by him, and that he was in the process of rewriting my policy. He went on to say that my new policy would not be available until the following Monday, October 2nd, 2006.

My comprehensive glass deductible was $300.00, but the cost to replace my windshield was $165.00, which I took care of the same day. I called back and spoke to Sharon to make sure my policy remained cancelled because I had already obtained insurance from another company after being told I had not been covered by Met Life since September 6th, 2006. She advised me that the policy was in the process of being rewritten, but she would note on my account for my policy to remain cancelled. She also said for me to call back Monday to make sure it was cancelled.

I called the following Monday, October 2nd, 2006 and was advised by a Met Life rep that my insurance policy was now in effect. I again requested for my policy to be cancelled. The rep then advised me that I would be billed $190.00 for coverage, which baffled me because I had been told by each rep I spoke with at Met Life my policy was cancelled. I received a letter on today, October 10th, 2006 stating that Met Life would be deducting $190.00 by payroll deduction on October 15th, 2006 to cover insurance for the period of September 6th September 29th 2006 although my policy was cancelled.

I called and spoke with another gentleman on today at Met Life Customer Service, and he advised me that the problem had been corrected and I would not be charged because I did not have auto insurance coverage for the period of September 6th - September 29th 2006. I have confirmed through my employer that Met Life has in fact payroll deducted $190.00. I am filing this complaint because I dont understand why I was billed for coverage that never existed and should be refunded the $190.00.

This complaint is a follow-up to one that I placed on saturday of last week(September 30, 2006.) To briefly explain that one, I called Met Life on Friday to file a glass claim because my windshield was busted by falling debris from a truck. When I called I was told that my insurance had been cancelled. I advised the rep that I had not cancelled my policy, but changed it to another state. I had received the revised policy with my new address.

After being on the phone for 3 hours with Met Life, I was told by the underwriter of the policy whose name was Tim, made an error when he changed the policy. I was also told that my policy would not be available and corrected until Monday, but for now I was showing I was cancelled. I was also told that there was nothing they could do to assist me in my glass claim since I was showing I had no coverage with them.

I called back later on Friday afternoon to cancel my policy after obtaining insurance from another company. I was told by the representative that she attempted to contact the sales department to cancel my request, but they were already gone for the day. She advised me that she did not see an active policy for me, but the underwriters were probably in the process of writing a new one. She also said that if I receive a policy in the mail to be sure to call and cancel it. I could not understand why I would have to call back and cancel it when I was doing so over the phone.

To discuss my latest complaint, I spoke with Alexis on today October 3rd 2006 at approximately 1pm CST. I called to make sure that my policy was cancelled as of September 29th, 2006. She advised me that it was no longer cancelled but active for the correct state. I advised her that I had called to cancel it on Friday and that I would still want to cancel it as I have insurance with another company. She advised me that she would cancel it, but I would get a bill in the mail for $190.00, the amount for coverage from Sept 7th-Sept 29th. How could I be billed for coverage that I was told on Friday I did not have? The policy was activated today only after I called and requested for another policy to not be rewritten friday. According to Met Life on Friday, my policy showed I was not covered by them.

Alexis at Met Life advised me I would be sent a $190.00 bill for coverage from Sept 7-29th, which I was told I did not have.

I called Met Life to change my auto insurance to the new state I moved to. After doing so I received my new insurance policy reflecting my new address information. Assuming I was properly insured, I had an incident to occur where a wooden object fell off a truck in front of me on a two lane road breaking my windshield on the passenger side. I called 911 and continued to follow the pick-up truck until the police intercepted us in town. The police took a report and found that the driver's tag did not match the pick-up truck he was driving. The driver also did not have auto insurance.

I called Met Life to advise them of what occurred at the scene. I let them know that I needed to have my windshield replaced, as it was shattered. The customer rep then advised me that my policy had been cancelled from the previous state I lived and there was not an existing policy for me. I advised the customer rep that I had already received my new insurance policy reflecting my new address and the new effective date. I remained on the phone with Met Life for 3 hours only to be told in the end that it was the underwriter's error in writing the policy and there was nothing they could do until there was an existing policy.

The underwriter called me back and stated there was an error on his part and he was working to fix it. But, he again directed me back to customer service. This is when I spoke to Rae, who asked me for my information. After getting my information and me again explaining what was occuring, she advised me that my policy was cancelled and it was nothing she could do about it. While attempting to explain my situation, but she was very rude and unprofessional. She eventually said to me you have a nice day m'am and hung up. I called back again and was told that my policy was still showing being cancelled and I could try explaining to the glass company fixing my car the situation to see if they would still fix it until the problem was resolved.

I was also told this claim fell under comprehensive collision which carries a $300 deductible, although my windsheild was damaged by a uninsured driver.

I called one of the glass companies recommended by Met Life and ended up having to pay for a new windshield in addition to obtaining a new auto insurance policy on the same day because I was told by Met Life that my policy was still being written. On the same day, I also officially cancelled my policy with Met Life after being a loyal customer for 6 or more years.

I was involved in a documented Hit & Run accident with witnesses downtown Detroit. Metlife, my insurance carrier, refuses to pay the claim unless I can find out who hit me. I am in sales and don`t know a lot about detective work. As a victim of a hit and run accident I feel I have been more vicitimized be Metlife. THese are people we trust when we need them most.

Metlife also mis-represented their insurance when I purchased it saying I would not have to pay anything, in any accident as long as I was not at fault. See, I have a very very good driving record with no claims so my biggest concern was someone else damaging my property or myself and having to be liable for it. I have researched Metlife over the last few days and it appears this company has a history of failing to resolve claims in a timely manner or refusing to pay legit claims. This being the first one I have ever made makes me think there are probably thousands of Detroiters out there who have had this happen to them as well.

I know this is a huge season for insurance carriers and many Detroiters will unknownly be suckered like I was. As a consumer, I have no recourse, no way to make this right, no way to inform others unless I was wealthy and could hire an attorney.

Please help educate others and stop companies like MetLife from making victims of crime pay twice.