MetLife Auto Reviews

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 bond together to help collect each other's debts from their customers?

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.

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!

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.

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 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.

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.