Automobile Insurance Protection

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1 MetLife Auto & Home Automobile Insurance Protection We will be there for you.

2 For your car and your peace of mind The Auto Advantage SM Buying a new car, or looking for a company who will provide complete protection while you're on the road? All auto insurers are not the same. Our Auto Advantage provides special benefits and enhanced coverages designed to ease your mind should you have a loss all automatically included at no additional cost. The Auto Advantage from MetLife Auto & Home includes: Deductible Savings Benefit SM Rewards claim-free driving with a credit toward your deductible. For every claim-free year, you could earn $50 toward your deductible, up to $ Replacement Cost for Total Loss New auto owners, take notice. No deduction for depreciation if your new auto is totaled in a covered loss within the first year or 15,000 miles, whichever comes first. 2 For example, if your new car was totaled, we would replace it with a brand new auto. We don t charge depreciation for the total loss of your new auto. Replacement Cost for Special Parts No deduction for depreciation of special parts, if they are damaged in a covered loss. 3 You will be covered for the replacement cost of certain special damaged parts, such as tires, brakes, battery, and shocks, despite their wear and tear condition at the time of the accident. This is especially valuable for the high replacement cost of today s hybrid vehicle parts. Most other companies would only pay the depreciated value (Actual Cash Value, or ACV) for such parts. 1 Deductible Savings Benefit is not available in all states. In New York State, drivers must pay a state-required minimum deductible before using this benefit. 2 Does not apply to leased, substitute, and non-owned automobiles. Enhanced Rental Car Damage Coverage: The rental agency s costly loss of use charges are covered if a rental car you drive is damaged. 4 This includes: Rental agency s lost income while the rental car was being repaired Claim handling expenses The decrease in the market value of that auto In addition, auto policies with MetLife Auto & Home automatically include: Identity Protection Services 5 : Built-in for your peace of mind, wherever the road takes you (see next page for details). 24/7/365 Claim Service at Reimbursement for transportation home after an accident, up to $25. Reimbursement for child safety seat replacement as a result of damage due to an accident. Flexible Payment Plans 3 This coverage does not apply to theft of tires or batteries unless the entire vehicle was stolen. 4 Deductible may apply. 5 Available to customers in most states and with most policy forms. Not available in NC, nor to auto customers in NH.

3 Identity Protection: Built into Your Auto Policy at No Additional Cost We understand that, for victims of identity theft, the sense of being violated can be as overwhelming as the loss of income and productivity. Our suite of services is specifically designed to help you protect your identity before any of this can happen: Military. When stationed abroad, a free, representative-assisted, 12-month military fraud alert is placed on your credit file. Assistance is also available to your spouse/civil union partner or authorized family member. Estate. A fraud specialist is assigned to protect your deceased loved one s identity from potential misuse, also minimizing your risks in the case of jointly held accounts. Travel. Specialists are available 24/7 to assist worldwide in replacing passports, credit cards, or other crucial documents lost or stolen while traveling. Child. We will initiate a credit file suppression to help prevent the potential misuse of your child s personal information. Relocation. A fraud specialist is assigned to safeguard financial, credit, and identity data during a move. Medical. We can help undo the damage when your identity is fraudulently used to obtain medical services and treatment. Disaster. We will help you replace important documents lost in a hurricane, earthquake, tornado, flood, or house fire and ensure uninterrupted access to financial institutions. Resolution Service. Our specialists will work with you to resolve issues of unauthorized use of your name or credit information until your identity has been restored. You ll also receive one year of comprehensive credit and fraud monitoring. Visit us today at or ask your MetLife Auto & Home representative for more information. Keys to Savings: Discounts at Every Turn We offer several discounts* to help you save money on your policy. Be sure to review these with the drivers in your household and take advantage of the many discounts that may be appropriate for you, including: Superior Driver. Rewards you for years of claim-free driving. Multi-Car. Additional savings when you insure multiple cars with us. Auto Policy Plus. Additional savings, if you have an existing, qualifying life or annuity product with an approved MetLife company. Anti-Theft and Safety Devices. Alarms, airbags, and more can both protect you and your vehicle and reduce your premium. Automatic Payment. Enjoy an additional discount when you enroll in our ExpressIT automatic payment plan** or participate in our payroll deduction plan through your employer. Good Student. Students licensed fewer than six years who provide proof of their good student status qualify for a discount. Your MetLife Auto & Home representative will work with you to develop a policy that provides you with the coverage you need at a cost you can afford. * Discounts subject to local availability and individual qualification. ** In Massachusetts, please refer to your Automatic Payment Plan discount.

4 Billing Made Easy When You re Protected by MetLife Auto & Home You have your own style and your own way of doing things. That s why we offer a wide variety of ways to do business with us. Simply choose the one that s easy for your lifestyle. Online Bill. Enjoy the convenience of online billing with our secure eservice option. Pay bills online and easily manage your policy at ExpressIT. Your account will always stay up-to-date and you won t miss a payment. Your premium payments will be automatically withdrawn from your bank account each month by electronic funds transfer (EFT). Recurring Credit Card. Your payment is conveniently billed to your credit card each month on a date of your choice. Direct Bill. All bills will be sent to you at your mailing address. Bill to Other. All bills will be sent to a designated individual other than the named insured. *Not available for all group accounts. Claim Service You Can Count On If you have a claim, we make it easy for you to get your damages inspected and repairs underway. Our toll-free claim service telephone, , is staffed 24 hours-a-day, every day of the year. There s always a friendly, caring associate available to walk you through each step of the process. English and Spanish-speaking claim representatives are available. 24/7/365 Claim Service Products That Prepare You for Life s Unexpected Surprises With MetLife Auto & Home, you can be confident you re covered for the ifs in life. MetLife Auto & Home offers auto, home, boat, personal excess liability, and other insurance products that reduce coverage gaps and prepare you for life s unexpected surprises. Recognized Financial Strength MetLife Auto & Home offers best-in-class products and earned an A (Excellent) rating from A.M. Best (2009), the insurance industry s leading authoritative analyst. What s more, MetLife Auto & Home was the first U.S. insurer to offer Identity Theft Resolution Service to home customers at no additional cost. Our suite of identity protection services is now automatically provided with most of our auto and home policies. MetLife Auto & Home is a wholly-owned subsidiary of MetLife, Inc. (NYSE: MET). For more than 140 years, the MetLife enterprise has built a reputation upon fair-dealing, integrity, and trustworthiness, and offers a full range of financial products and services. To learn more about The Auto Advantage from MetLife Auto & Home, visit our website at or contact your local representative.

5 For convenient policy, billing, and claim information, access your policy online to: Review and pay bills Update policy information View the status of your claim Print ID cards Guarantees for the if in life. MetLife Auto & Home 700 Quaker Lane PO Box 350 Warwick, RI Guarantees are subject to product terms, exclusions and limitations and the insurer s claims-paying ability and financial strength. MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Fire & Casualty Company, Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify. See policy for restrictions. MPL (0409) 2009 MetLife Auto & Home L [exp0411][All States] PEANUTS United Feature Syndicate, Inc.

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