Question: What is the voluntary
auto and home insurance program?
Answer: The group auto and
home insurance program from MetLife® Auto & Home is available to you
as a voluntery benefit. The program features benefits and conveniences that are
designed to save you money. Through the program, you can apply
to insure your auto, home and other property and liablilities at special
group rates that are available in most states to those who qualify.
Question: What policies are available through the
program? Is
there a choice of how I can pay for my premiums?
Answer: There are a variety of policies available
including:
Auto
Home
Landlord's Rental Swelling
Condo
Mobile/Motor Home
Renters
Recreational Vehicle
Boat
Personal Excess Liability ("Umbrella")
There are several time and money-saving options
for the payment of premiums. Your payments are spread over the policy
term. (A down payment may be required.) Payments are deducted
directly from your paycheck. There are no interest charges or service
fees. Best of all, there are no checks to write because everything
is taken care of automatically. Other billing options are available.
Question: Are there any other benefits
available to me?
Answer: When you participate in this program, you
benefit from a valuable insurance program. Because you're a PSEA
Member, you're eligible for special group rates (available in most states
to those who qualify) that are designed to save you money. Additionally,
there are a variety of discounts available that could save you even more
(available in most states to those who qualify). They include:
AUTO: Anti-theft
Devine, Passive Restraint (e.e., air bags), Superior Driver
HOME: Home security System, New Home
Question: Are
there any unique coverages?
Answer: There
are enhanced product coverages built into every auto policy*
- Rewards for claim-free drivers in the form of savings toward future
comp or collision deductible
- Replacement for Special Parts
- Enhanced Rental Car Damage Coverage
- Replacement Cost for Total Losses
Question: How
can I obtain more information about the program? How can I compare my
current insurance with what’s available from MetLife® Auto & Home?
Answer: The
best way to learn more about the program is to call toll-free at
1
800 GET-MET 8
(1-800-438-6388)
for a free insurance review and no-obligation quotes. When you call, you’ll
speak with an Insurance Consultant who can give you all the information
you need. If you choose, you can even apply for coverage in the program
while you’re on the phone. Representatives are available Monday through
Saturday and weekday evenings. To make the most accurate comparisons, have
your current policies with you when you call.
Question: If
I have questions about the program or problems with my coverage, should
I contact PSEA’s Human Resources department?
Answer: No.
All questions or concerns regarding the program should be directed to an
Insurance Consultant at 1 800 GET-MET 8.
Question: What
if I need to make a change to my policy or report a claim?
Answer: You
can receive quotes, ask questions, make changes to your policy or report
a claim by calling one easy-to-remember number — 1 800 GET-MET
8. Representatives are available during business hours,
weekday evenings and Saturdays. If you alter your policy in a way that
requires a change to the amount of your payroll deduction, there is no
need to contact your Human Resources department. MetLife Auto & Home
will take care of the adjustment automatically. Claims may be reported
24 hours a day, 7 days a week.
Question: What
if I leave the company or retire?
Answer: Whether
you retire or terminate membership with PSEA for another reason, you always
have the option to continue your coverage without interruption. Retirees
remain eligible for the group rate.
For the payment of premiums, payroll deduction is no longer an option,
so most people convert to ExpressItSM (monthly checking account deduction)
because it offers similar features. Of course, other billing options are
also available.
*Subject to state availability. See your policy for exact details. A
deductible may apply.
Coverage, underwritten by MetLife Auto & Home, is available
in most states to those who qualify. In Texas, real property policies are
provided by Metropolitan Lloyds Insurance Company of Texas, Irving, TX. In
Texas, auto policies are written by either Metropolitan Direct Property
and Casualty Insurance Company, Metropolitan Property and Casualty Insurance
Company, Metropolitan Casualty Insurance Company, Metropolitan General
Insurance Company, all of Warwick, RI, or GAINSCO County Mutual Insurance
Company, Fort Worth, TX, through an arrangement with Metropolitan Property
and Casualty Insurance Company. In some instances, special arrangements
for coverage have been made with other carriers. MetLife Auto & Home
is a brand of Metropolitan Property and Casualty Insurance Company and
its Affiliates, Warwick, RI. L0207CNBZ(exp0706)MPC-LD
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