Get MET, it pays! Getting rid of Met, that’s another story.

The BBQ Pit
1

Not much of a rant but it is amusingly irritating at this point.

I used to have MetLife as my insurance company. There rates were reasonable as they had some sort of deal set up with my employer, and they had payroll deducts, so it was a low maintenance relationship. They carried my auto and rental insurance and I was happy and MetLife was happy.

Last February I decided to buy a house.

I wanted to be faithful to MetLife, as I’d been happy for all this time, but MetLife quoted me a homeowners policy that was at least twice as costly as anyone else would offer. I was stunned. Why, MetLife, would you give me such a quote?

I had no choice, I had to leave MetLife. Yes, it’s painful, but it happens, things change and it’s time to move on.

MetLife seemed to understand at first, issuing me a refund for the unused portion of my policy’s, and I thought we parted on good terms.

Unfortunately, it wasn’t so.

Through the summer MetLife kept contacting me, telling me that I owed MetLife. I kept reminding MetLife that we were over, I’ve moved on, and it’s time for MetLife to move on. MetLife insisted on proof that I was with someone else, as they wouldn’t let go without it. I thought this was kind of sadistic, and I really didn’t want to put MetLife though this, but after repeated pleas from MetLife I showed MetLife that I indeed was with someone else.

I’m sure that crushed MetLife. I didn’t want to do it, but I thought that was the only way for MetLife to quit bothering me.

All had been quite since last August.

Today I get a letter from MetLife asking if I received the refund check. PLEASE!

MetLife, this is pathetic, if you hadn’t have done wrong in the first place we wouldn’t have ended up this way. Please, just let it go!

2

My own experience with Metropolitan Casualty,a MetLife company, was as frustrating as KP235’s.

10 years ago, my then-19-year-old daughter had 2 minor fender-benders that cost Allstate about $150 each to cover.
She was out of high school but not out of my household, so her car’s insurance was attached to the family policy, with her re-imbursing her mother and me for her share of the bill every 6 months.

Allstate’s proposed rate increase would have covered all 3 cars on the policy–not just my daughter’s car–and would have been of 3 years duration. Mine and my wife’s share would have amounted to about double the cost of Daughter’s wrecks over the 3 year period.

Naturally, I shopped around. An independent agent got me a quote from Metropolitan that would have increased Daughter’s rates, but actually decreased her mother’s and mine. I paid 1/3 of the first 6 months’ rates as a binder, was issued a policy, and thought that this was the end of my insurance woes.

About 4 week’s later, I got a postcard informing me of an unsuccessful attempt to deliver a registered letter. The letter was a 30-day cancellation warning from Metropolitan.

When I called their 800 number, I was informed that I was being dropped for omitting mention of a serious accident I was allegedly involved in the preceding fall. This accident was a hit-and-run involving one of my cars that was legally parked on a city street–clearly a not-at-fault accident on my part.

I pointed out that the agent did not ask me about not-at-fault
accidents and that no insurance agent I shopped my insurance needs to had ever asked about not-at-fault accidents and was told that I should have volunteered the information anyway.

Seeing that I was getting nowhere with this officious bitch, I asked around at work about good insurance companies/agents; the one I finally bought from telling me he never heard of an insurance company asking about not-at-faults, let alone penalizing for them.

About 2 weeks later, Metropolitan sent me a bill for the remainder of the original 6 months premium. I called the 800 number, asked for the bitch I talked to 2 weeks before, and really let her have it;pointing out that I paid for 2 months’ insurance and didn’t quite get that much and that Metropolitan should actually owe me, not the other way around.

She threatened me with a collection agency and made good on
that threat.

I responded with a long letter to the collection agency explaining my situation and warning that any attempt on their part to collect this unjust debt would result in their becoming involved in my formal complaint to the Nebraska State Insurance Commission against Metropolitan and in ther being named codefendant in legal proceedings against Metropolitan.

They caved. I never saw another letter concerning this matter from them or anyone else; and nothing about this matter ever showed up on a credit report.

Sometimes, a good offense really does equal a good defense.

3

If you buy a house and insure it with someone else, that means you’ve got to cancel your Met Life auto policy??

Me confused.

4

Most insurance companies offer discounts if you use them to insure all property, e.g. cars, homes, boats, etc. It’s rarely cost-efficient to use multiple insurers for different possessions.

5

I got a flyer in the mail from MetLife talking about how much money I can save, how I get group discounts though my employer, etc. Call them up, and it’s an extra $1,200 per year over GEICO! For the exact same coverage!

6

I’m very happy w/MetLife - I had a claim due to a fire in my building, and they handled everything wonderfully. Too bad my condo management didn’t.

7

porcupine, I’m glad you’re happy with them. If they’ve done you good, thats great. I’m sure they have to keep some of their customers happy, otherwise they’d be belly up.

MetLife kept me happy for a while, until home ownership became an issue, then MetLife wanted to ROB me. I couldn’t put up with it.
In my OP I was trying to be somewhat humorous, comparing breaking up with them to breaking up with a psycho ex.

I wasn’t far off. After I confirmed policy cancellations AND I received refunds for the unused portions of my policies, I kept receiving bills, and threats to be taken to collections. MetLife refused to acknowledge the original cancellation and kept putting the burden of proof on me that I in fact cancelled and that I had new insurance. That went on and on for months. Why it’s any of MetLife’s business that I had new insurance is beyond me, but I showed them anyway.

That’s when things settled down, for a while.

Then 6 months later I get the letter, “did you really get the refund check?”. That’s really reaching. I equate that to the drunk 3am call saying, ”I still love you baby, can I come over?”.
Maybe I’m the only one who gets that joke, but that’s just me.

Oh, Jackmannii, keeping your home and auto policys with the same company normally saves BIG bucks. All Psychos, er, I mean insurance companies give discounts for combined coverage.

8

Oh, and in case anyone is wondering why I posted this in the BBQ Pit instead of MPSIMS, all I can say is “I don’t know”. I thought I’d be a bit more pissed off about it and swear more. Just didn’t work out that way. My fault. Sorry.