Erie car insurance coverage options
Erie provides the traditional coverage suite offered by most insurance companies, as well as a list of coverage options you may add to further customize your policy. Standard coverages include the following:
- Collision: Covers physical damage your car sustains in a collision.
- Comprehensive: Covers non-collision physical damage to your vehicle. When paired with collision, it is often referred to as full coverage.
- Uninsured/underinsured motorist: Covers your vehicle if you are hit by a driver who isn't carrying sufficient coverage (not available in all states).
- Liability: Liability insurance coverage protects other drivers from bodily injury or property damage you might cause in an at-fault accident.
- Bodily injury: This covers costs related to injuries or deaths caused by the accident.
- Property damage: Covers damages to another driver's car or any other property you damage in an accident.
- Medical payments: Typically an optional coverage, this goes toward paying for health costs associated with those in your vehicle during an accident.
Additional Erie Insurance coverage options
If your insurance needs exceed the standard coverages above, you may be interested in adding on one or more optional coverages offered by Erie. Custom coverage options are listed below.
First accident forgiveness
This accident forgiveness endorsement will waive the surcharges in your first at-fault accident if you've been an Erie customer for three or more years.
New and used car replacement
If your new car is totaled in a collision and is less than two years old, Erie will pay to replace it with the newest comparable model after your deductible kicks in. If you've had your car for over two years and it gets totaled, Erie will replace it with a comparable model that's two years newer. This coverage is known as new car replacement.
Auto glass repair
No matter your driving history, cracks and chips in your car's windshield can happen even to the best drivers. This optional coverage will repair or replace your car's damaged windshield and windows without a deductible.
Roadside assistance and rental car bundle
Erie conveniently bundles roadside assistance and rental car coverage in this option, so you're covered in the event your car has mechanical or operational issues on the road, or you need a rental car if your vehicle is being repaired after a collision.
Locksmith services
If you accidentally lock your keys in your car and require the services of a locksmith, Erie will cover this expense up to $75 as a part of physical damage coverage.
Personal item coverage
Erie's physical damage coverage also applies to losses of personal items that were in the insured car up to a $350 limit.
Pet coverage
This unique built-in feature covers veterinarian expenses up to $500 per pet (total limit of $1,000) if your pet is injured in an accident while riding in your car.
ERIE Rate Lock®
This endorsement "locks in" your rate until you add or remove a driver or vehicle on your policy or change the address where your car is regularly parked. Even if you file a claim, this feature preserves your rate until changes are made to your policy.
ERIE Auto Plus®
You can bolster your basic Erie policy with additional protection and increased limits with this add-on. Some highlight features include a vanishing deductible, $10,000 death benefit, additional days in your rental car/transportation expense coverage, waived deductible in certain situations, and increased limits for specific coverages.
