Pay-Per-Mile Insurance Carrier Metromile Introduces Direct Repair Program, Automated Claims Processing

Pay-Per-Mile Insurance Carrier Metromile Introduces Direct Repair Program, Automated Claims Processing

Pay-per-mile insurance carrier Metromile has launched a direct repair program and an automated system – powered by artificial intelligence – that enables customers to schedule collision repair and car rental and file claims through the insurer’s mobile app.

Pay-per-mile insurance carrier Metromile has launched a direct repair program and an automated system – powered by artificial intelligence – that enables customers to schedule collision repair and car rental and file claims through the insurer’s mobile app.

Asserting that the insurance claims process has been “plagued by the seemingly endless back and forth” between insurance carriers, auto body shops, rental providers and consumers, San Francisco-based Metromile said the new app features demonstrate “Metromile’s commitment to enhancing the overall customer experience, lowering consumer costs and bringing technology to the forefront of the insurance industry.”

The new features leverage AVA, the company’s artificial-intelligence claims system.

“Introduced earlier this year, AVA is a first-of-its kind smart claims system designed to speed up the process of verifying and paying out insurance claims through Metromile’s mobile app,” the company explained. “Using Metromile Pulse sensor data, AVA can reconstruct the scene of an accident to instantly determine if claim details are accurate. If the claim is verified, Metromile is able to automatically approve payments within seconds.”

Qualifying customers now can “opt-in” to automate the identification, management and payment of collision repair and rental providers within Metromile’s preferred network through the mobile app or online dashboard. Qualifying customers also can choose to automate claim reimbursement directly through AVA, the company announced.

“We strive to provide the fastest and simplest claims experience for our customers, and we are successfully doing that by leveraging automation and artificial intelligence,” said Dan Preston, CEO at Metromile. The new app features “further expedite the claims process by taking those repair, rental and reimbursement claims experiences mobile, ultimately getting our customers back don the road faster.”

Here’s an overview of the new features:

  • DRP – During the claims-submission process, AVA will provide a list of local repair shops participating in the DRP, and customers will be able to select their preferred shop through the Metromile mobile app or dashboard. AVA will pay the repairer automatically and notify customers of repair updates, changes to pricing or delays in service. In a video demonstration of the new app features, the app displays a legal notice of consumers’ right to choose their own collision repairer, and states that “Metromile will honor any repair shop of your choice.”
  • Rental cars – Eligible policyholders with rental coverage will have the ability to rent a car directly from the Metromile mobile app or dashboard with AVA’s assistance. For example, customers can rent a car directly from Enterprise Rent-A-Car through AVA and choose from a list of Enterprise locations to schedule their rental car. AVA will reimburse Enterprise up to $30 per day.
  • Claims payments – Eligible customers can elect to have AVA automate the collection of payment details and the disbursement of ACH or check payments, through Metromile’s mobile app. AVA will walk policyholders through the payment setup process within minutes, “eliminating the inevitable mistranslation of payment details.” “This latest innovation improves the customer experience and lowers costs by ending the tedious back and forth both claims adjustors and consumers experience following a covered accident,” according to Metromile.

Metromile’s pay-per-mile car insurance – available in seven states – saves low-mileage drivers an average of $500 a year, according to the company. The insurance carrier’s app and in-car telematics device “give customers visibility into their car’s general health and usage, as well as pinpoint their car’s exact location via the vehicle locator, and help customers avoid parking tickets via the app’s street-sweeping alerts (in select cities).”

You May Also Like

Women in Auto Care Achieves Record-Breaking Scholarship Distribution

Approximately 81 awards totaling $425,000 were distributed to female students across the U.S. interested in pursuing careers in the automotive aftermarket.

The Auto Care Association announced that Women in Auto Care has distributed a record total of 81 awards, combining cash scholarships and toolkits, with an unprecedented value of $425,000. These awards serve as a powerful investment in the aspirations of female students across the U.S., nurturing their interest in pursuing careers within the automotive aftermarket. In addition to financial support, Women in Auto Care will provide scholarship winners with an Industry Swag Box — a curated collection of items introducing them to the organization and showcasing key companies in the automotive aftermarket. This aims to familiarize recipients with the industry and cultivate community belonging. Furthermore, Women in Auto Care has introduced monthly virtual Connection Circles for scholarship winners, allowing them to connect with peers and receive mentorship from experienced female technicians and instructors, aimed at fostering ongoing support, professional growth and networking opportunities for their career success. The outstanding success of this year's scholarship program is a testament to the unwavering support and generosity of Women in Auto Care's community sponsors and member contributions. Their dedication to fostering diversity and opportunity within the industry has made a significant impact on the lives and futures of aspiring professionals. Over the past year, Women in Auto Care has strengthened partnerships and significantly expanded its scholarship program. Collaborating with Garage Gurus, Women in Auto Care awarded five $7,000 scholarships totaling $35,000 and partnered with Dorman to grant a $10,000 scholarship. Additionally, through partnerships with NAPA and Acuity, toolkits valued at $8,700 and $3,000 were respectively distributed. These collaborations reflect Women in Auto Care's commitment to championing diversity, excellence and innovation within the auto care industry. By investing in the education and advancement of female talent, the organization continues to drive positive change and inspire future leaders in the industry. “At NAPA, we are proud to be able to offer tools and equipment to individuals who are passionate about the automotive industry," said John Molidor, director, Tools & Equipment for NAPA. "Our goal is to make it easier for techs to enter the automotive repair space by providing necessary tools for the job. We are proud to be working close with Women in Auto Care, and this is just one way we can collaborate to make a difference."

Brian Cruickshank Elected as CAWA’s 2025 Secretary to Board of Directors

Cruickshank is a partner at Schwartz Advisors, an aftermarket-focused M&A advisory firm.

People on the Move

Recent personnel news that has appeared on bodyshopbusiness.com.

Matt Daigle Joins SEMA’s Public and Government Affairs Team

Daigle is a seasoned communicator with more than 20 years of experience and leadership in advocacy and member communications.

Consolidator Report

Consolidation news from the week of July 15.

Other Posts
Top 5 Stories of the Week

A recap of the top five stories on bodyshopbusiness.com during the week of July 15.

PPG Recognized as Best Place to Work for Disability Inclusion

This is the third consecutive year PPG has earned this recognition from the Disability Quality Index.

NABC Donates Recycled Rides to Denver-Area Military Families

The NABC, GEICO, Allstate and Crash Champions recently donated refurbished vehicles to two military families in the Colorado State Capitol.

Tesla Model Y Secures Position as World’s Best-Selling Car in 2023

Sales of the Tesla Model Y totaled 1.22 million units globally, up by 64% from 2022.