Personal Accident Insurance

Personal Accident Insurance – Helps provide an extra level of financial security if you experience a covered accidental injury

Eligible drivers enrolled in Drivers Benefits will have access to our new Personal Accident Insurance, paid for by The Black Car Fund! This benefit provides direct lump-sum payments from $50 to $40,000, in the event of a range of serious, covered accidental injuries** or medical events, such as:

  • Broken bones1
  • Dislocations1
  • Eye injuries
  • Skin grafts
  • Concussions
  • Lacerations needing stitches
  • Second- and third-degree burns
  • Coma
  • Ruptured discs
  • Broken teeth

Payment amounts depend on the severity of the injuries and related medical services2. A Schedule of Benefits and a complete Certificate of Insurance with full details can be found here

What are the Features of our Personal Accident Insurance?

  • Direct Monthly Payments
    • You receive a check, payable to you, for maximum convenience. 
  • Can be Used Alongside Other Insurance
    • Payment is not reduced nor affected by any other insurance you may have.
  • Freedom to Choose How Payments Are Used
    • Because this benefit provides direct payments, you can use the funds any way you see fit.

Remember, you must be enrolled in The Black Car Fund Drivers Benefits program to access our Personal Accident Insurance. Enroll today to receive this and many other valuable benefits.

Already enrolled in Drivers Benefits? Then you have immediate access to Personal Accident Insurance as of February 1st, 2023. Visit your Enrolled Driver Guide for more information. 


1 Chip fractures are paid at 25% of Fracture Benefit and partial dislocations are paid at 25% of Dislocation Benefit.

2 Covered services/treatments must be the result of an accident or sickness as defined in the group policy/certificate.  See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details.

METLIFE’S ACCIDENT INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage. The policy or its provisions may vary or be unavailable in some states. There are benefit reductions that begin at age 65, if applicable. Like most group accident and health insurance policies, policies offered by MetLife may include waiting periods and contain certain exclusions, limitations, and terms for keeping them in force. For complete details of coverage and availability, please refer to the group policy form GPNP12-AX or contact MetLife. 


Benefits are underwritten by Metropolitan Life Insurance Company, New York, NY.

Metropolitan Life Insurance Company, New York, NY 10166

© 2023 MetLife Services and Solutions, LLC 

L1222028153[exp1224][All States][DC,GU,MP,PR,VI]

Call us at 1-833-814-8590
to speak to a Driver Support Team representative for assistance with enrollment and/or using the benefits. Our open hours are from Monday to Friday from 8am – 8pm
Fill Out The Enrollment Form
Drivers Benefits will email you with an explanation of how to use your benefits. Make sure to check your spam folder.
Like this benefit?
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Accident Disability Insurance Plan
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UPGRADED! Accident Disability Insurance Plan provides monthly payments of up to 70% of your net driving income, to a maximum of $1,500 /month, paid directly to you up to a year if you are injured due to a covered accident outside of work and are unable to perform your job.*
$100,000 Accidental Death Benefit
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Pays $100,000 in a lump sum if a Covered Driver dies in a covered accident on or after 6-1-23. Deaths due to prior medical conditions are not covered. Click here to view the plan certificate, including terms, conditions, exclusions, and limitations of coverage
Personal Accident Insurance
Personal Accident Insurance
Personal Accident Insurance This benefit provides direct lump-sum payments, ranging from $50 to $40,000, in the event of a range of serious, covered injuries.** Payment amounts vary based on the severity of the injuries and related medical services and are not reduced or affected if you have other insurance coverage.
Critical Illness Insurance
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Dental Insurance
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Vision Coverage
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Get your routine annual eye exam and eyewear at no cost!
Medical Clinics
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24/7 access to medical consultation by phone, app or webcam for a number of conditions - including COVID-19 symptoms
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Get free access to counseling and support applying for financial assistance!
Healthcare Enrollment
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Free screenings for publicly available health programs like Medicaid, CHIP, and QHPs.
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Help paying medical bills and lost wages
Legal Assistance
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Affordable Legal Assistance from a qualified traffic lawyer.
Classes
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Get paid $300 to complete the Defensive Driving Class
Prescription Discounts
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Save an average of 67% off prescription medications* at thousands of participating pharmacies, including CVS, Duane Reade, RiteAid, Walgreens, Wal-Mart, Target, Safeway and more!
Urgent Care Discounts
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Access to discounts on Urgent Care services in Metropolitan New York City locations!
Diagnostic Imaging Discounts
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Access to providers who offer 40% to 80% savings on MRI, CT and PET Scans