In no way, shape, or form can I ever in good conscience leave this company a good review.
I've been with metromile for over a year now and I can say they are not worth the cheaper price no matter what they may tell you, it's cut rate service from a very new insurance company.
I filed a claim last year for someone hitting my vehicle outside the front door of a business that had cameras outside. After doing all the leg work myself; tried to get the local police to retrieve footage, called the companies' 3rd party security and tried to get them to release footage, etc. with zero help and follow-up at all from Metromile. They were of so little assistance that I just left the damage on the vehicle and had to take care of it on my own, and the attitude was very much that they were not looking to pay out a dime unless they would be legally obligated to based on hours of time already spent plus hours or days more of me working 100% on my own to "prove" it, seems like a "sit and wait for it to go away" strategy.
At this point I've been waiting over two months for them to resolve a different claim in which I purchased a brand new car, and had a lady hit me and total it the next day, then claimed she wasn't at fault so my own insurance company had to get involved...
The vehicle was an obvious total loss and the shop estimated more than 50% of the value and suspension/frame damage to the new car which pose SERIOUS safety concerns.
1. Their adjuster did not show up for weeks after the accident, subsequently recommended further diagnostics of the vehicle by the dealer, who also confirmed the diagnosis by the shop weeks later.
2. They waited another week after declaring the vehicle a total loss and are tried to go back on the payout, stating that they are being charged fees by the repair shop, which they themselves incurred by taking such an excruciatingly long time to respond to the claim and requesting the vehicle be sent for further testing at the dealer.
3. They tried to argue that they shouldn't have to pay the fees and that the cost to repair the vehicle, while still about 55% of the value, is too low to be a total loss regardless of suspension and frame damage safety issues, which would mean waiting 8-12 more weeks to fix the brand new vehicle all the while keeping up payments and insurance on the brand new vehicle that had been driven a total of 20 miles.
4. Another week or two later, after numerous attempts from my attourney to contact them, I was again informed it was a total loss and confirmed finally, and if not for legal counsel retained for other reasons regarding this accident, I can only imagine the torture to get this resolved, not to mention I cannot walk or work for months due to an injury from this same accident.
As far as I'm aware it is illegal for an insurance company to make a settlement declaration then take It back but I could be wrong.
Bottom line is bad business all around, and a perfect example of an insurance company crapping all over their customers by pretending to be great and having a good price, but looking for a way to screw you when you need them, maybe it's not as blatant an purposeful, but it sure does seem like it.
*years of experience working with insurance adjusters in the field of construction and home renovation and dealing with my own automobile claims for misc. stuff over the last 10 years (some at fault, some not) and I can say this is by far a different experience across the board.