All Questions

Generally speaking, yes — Erie Insurance is a well-regarded company that offers many of the same core coverages as larger national carriers. That said, each insurer structures policies a little differently, so it’s important to review the fine print before making a switch. Erie offers standard auto…

Erie generally has a stronger reputation for claims than a lot of national carriers, especially in states like Ohio where they’ve been around for decades. Instead of funneling everything through a giant call center, they often work through local agents and repair shops, which can make the process f…

Rate lock doesn’t mean your bill is frozen forever. Erie’s Rate Lock is designed to keep your premium steady at renewal, even if you file a claim or if overall rates in Baltimore rise. That’s a big difference from most insurers, where you can see increases every year no matter how clean your record…

If you were never cited for the accident and never filed a claim, there should be no insurance record of your accident. Insurance companies generally run two reports when you sign up for new insurance — your motor vehicle report (MVR) and another for claims history (CLUE). If they're clean, they sh…

For uninsured motorist claims, it's likely that your insurer would want a police report of the incident. What I don't know is if it would be possible to still get a police report and redo the claim. If they make you pay the higher deductible at the end of this, make sure they mark the claim "not-at…

The best course of action would be to call that insurance company and request all paperwork associated with that claim. It should show as a zero dollar payout, which you could show to other companies to dispute the claim. If you want to fight it off your record, you'd need to look up your CLUE repo…

It depends on how the policy was reinstated. If they reinstated with no lapse, then you are free to file a claim. If they reinstated with no lapse but had you sign what is called a No Loss letter — which dictates that no accidents had occurred before taking payment — then filing a claim would be co…

As long as your license wasn't suspended as a result — or other violations that affect your driving record — you do not have to report fix-it tickets to your insurance company. Insurers typically will only rate against moving violations that show up on your motor vehicle record (MVR).If you're look…

Your gap coverage should still cover the $2,000 owed on the loan regardless of what happens after that. I would definitely check directly with your insurance company to make sure there is no stipulation that prevents this if you choose to buy back the salvage title. If you have any questions, feel …

Thanks for reaching out to The Zebra. Gap insurance will only cover what is left on your loan after an insurance company pays out. In other words, no, it won't cover the down payment you made initially because it wasn't part of the loan amount.Gap coverage is best purchased if you are going to have…