Car Insurance Coverage Explained

After three claims-free years with us, there’s no surcharge the first time you’re at fault in an accident. (Not applicable with the ERIE Rate Lock® feature².)

Repair rather than replace a damaged windshield and we’ll waive your comprehensive deductible.³

Pet injury coverage, automatically included in ERIE auto policies, covers you if your pet is hurt in a covered accident while riding in your car, we’ll help cover the vet treatment costs by reimbursing you up to $500 per pet (or $1,000 total).

Travel costs like meals and lodging are covered if your car is disabled because of a covered loss.

• Automatic coverage for borrowed or rented vehicles
• Coverage for relatives who borrow your vehicle
• Waived deductibles in certain situations
• Locksmith charges covered⁵
• Road service at the site of an accident – with reasonable towing and required labor included

Your ERIE agent will be there to help you understand the policy and your coverages.

For just pennies a day, you can get ERIE Auto Plus®, a package that gives you features you’ll be glad to have if you ever have an auto claim. It includes:

• Diminishing deductible⁶ – Your deductible is reduced for each consecutive claims-free year.
• Transportation expenses – If your vehicle is totaled, ERIE pays for up to ten additional days of transportation expenses after we offer settlement⁷.
• Increased coverage limits – This helps cover things like emergency travel costs, personal items, sound equipment and non-owned trailers⁸.
• Waived deductible in certain situations.
• Death benefit – This coverage provides $10,000 for you or a relative who dies due to bodily injury from an auto accident.

Avoid car insurance rate increases with this feature. Even if you have a claim, your rates won’t change unless you add or remove a vehicle or driver from your policy or change your address or the place you usually park. There are some restrictions that apply, insured must meet applicable underwriting guidelines and your premium may change if you make policy changes. Limited to three years in Virginia. For New York customers, read about the ERIE RateProtect^SM policy.

ERIE’s motorcycle coverage is competitively priced and can be added to your auto policy. It provides great protection, including $3,000 in coverage for damage to accessories, gear, and safety riding apparel. You can purchase higher limits and there are certain terms and limitations that apply. Not available in all states.

We offer coverage that doesn’t depreciate the value of your vehicle. For just a few extra dollars a month, you can add coverage that gives you true replacement value for your ride if it’s totaled. Ask an agent for details on new or better vehicle replacement, new car repair or lease/loan protection with Auto Security⁹.

Adding rental car expense coverage will ensure you have transportation when you need it if an accident puts your car in the shop.

• Choose from five classes of rental car options.
• Don’t be limited to a compact car when you need something larger.
• Annual cost is typically less than a one-day car rental.

Includes roadside service coverage and transportation expense coverage for comprehensive and/or collision losses. You can choose one or all of these coverages. Roadside service provides reasonable towing and required labor costs at the site where your car breaks down. Transportation expense provides coverage for the cost of a rental car if your vehicle is disabled by a covered loss and is included with comprehensive coverage. It can be added to collision coverage and you can also choose the type of rental vehicle you anticipate needing. Coverage varies by state.