Someone hit parked my car (and 3 others) full speed last week, while it was parked outside my apartment building. When my neighbor told me what happened, I could see my car was likely destroyed.
Very long story short, I filed a claim with metromile and also with the insurance carrier on the card the police got from the person who rammed into my car. My car was towed to a shop that night. After a few days, I heard back once from the adjuster of my company, who told me they were looking at it. I asked about the other insurance, and she told me she wasn't sure, as there were some "issues" with it.
A few days after (good luck trying to get anyone in any department to answer the phone!) I heard from someone in the total loss department, telling me my car was deemed totaled. I as given a rate based on "fair market value," minue the amount of damages to the car (say WHAT?!) and my deductible. When I asked the total loss rep about abrogation, where the other company should pay part or all of it, as well as my deductible, he told me he wasn't sure. I couldn't get straight answers about the $ or claim, but he made sure to tell me my car was being held for another week, and they'd stop paying for storage after that. Since then, I've been trying for days (literally on phone for hours with music at times) to reach my claims adjuster, Sean, the total loss rep, and anyone who might be able to answer questions about the other company and the fees charged to me which I shouldn't have to pay. Not a single person has gotten back to me, let alone answered the phone. What a joke! As if losing my perfectly good car because some drunken idiot destroyed it while it was parked isn't stressful enough! they have not made thie whole process easy at all, and I want answers about theclaim! I was told it's considered a "no fault" (um, really?!!!) accident, so that means I can't go after the other insurance company or the guy who destroyed my property for damages or $. Top it off, metromile charged me for the mileage from my neighborhood to the car shop across town--while it was being towed! I can't wait to cancel my insurance with them (I was so happy after just switching to them last month, too!). I will make sure they DO NOT charge me for the pulse--I will make sure i get it and send it back, and I will make sure I get answers and $ back from someone for the money they have deducted from me, as well as the $ they charged me for the mileage of the tow. And they better not think of charging me a full month for the insurance this month.
Moral: Don't ever get into an accident or god forbid someone destroy your parked vehicle while you are away from it, because metromile sure does not come through when the going gets tough! In fact--just STAY AWAY from them altogether!