Erie Auto Insurance: Understanding Extended Coverage Options

Erie Insurance offers a range of auto insurance coverage options, including liability coverage, collision insurance, comprehensive insurance, and more. Their policies go beyond standard coverage with extra protection features, giving customers benefits that aren't always found in typical policies. While it's not clear if Erie offers extended coverage, they do provide a range of add-ons and customisation options for their auto insurance.

Erie Insurance is available in 12 states and Washington, D.C.

Erie's auto policy covers locksmith costs, windshield repairs and glass repairs

Erie Insurance offers a comprehensive auto insurance policy that includes benefits not typically found in other policies. One of the standout features of Erie's auto insurance is its coverage of locksmith costs, windshield repairs, and glass repairs.

Locksmith Costs

If you accidentally lock your keys in your car, Erie Insurance has you covered. Their comprehensive coverage includes locksmith charges of up to $75. This means you won't have to worry about the added expense of calling a locksmith to unlock your car.

Windshield Repairs

When it comes to windshield repairs, Erie Insurance offers two options: comprehensive coverage and full window glass coverage. With comprehensive coverage, Erie will waive the deductible for repairs, meaning you won't have to pay anything out of pocket. For a minimal additional cost, you can opt for Full Window Glass coverage, which waives the deductible regardless of whether the windshield is repaired or replaced. Both options also provide new wiper blades if your windshield is replaced.

Glass Repairs

Erie's comprehensive coverage also includes glass repair, which covers more than just the windshield. This means that if any of the glass on your vehicle is damaged, you can get it repaired without having to worry about the cost.

Erie Insurance understands that accidents happen, and their comprehensive coverage is designed to give you peace of mind. With their auto policy, you can rest assured that locksmith costs, windshield repairs, and glass repairs will be taken care of, making it easier for you to get back on the road.

Collision insurance covers vehicle accidents with another object

Erie Insurance offers comprehensive auto insurance coverage, which includes collision insurance. Collision insurance covers your vehicle after an accident with another vehicle or object, such as a tree or a pole. This type of insurance is particularly useful if you have a newer vehicle, are leasing, or still owe money on your car loan. In these cases, it is recommended to have both comprehensive and collision insurance.

Erie Insurance's collision coverage will protect your vehicle in the event of a collision with another car or object, or if your car flips over. This means that if you hit another car, a tree, a pole, or any other object, your insurance will cover the cost of repairs or replacement. Collision insurance is an essential component of auto insurance as it provides financial protection and peace of mind in the event of an accident.

In addition to collision coverage, Erie Insurance also offers a range of other protections. Their auto policies go beyond standard coverage by including extra protection features, giving you benefits that are not always found in typical policies. For example, their First Accident Forgiveness means that after three claims-free years, there will be no surcharge the first time you are at fault in an accident. They also offer pet injury coverage, which covers vet treatment costs for your pet if they are hurt in a covered accident while riding in your car, reimbursing you up to $500 per pet or $1,000 total.

Furthermore, Erie Insurance provides coverage for borrowed or rented vehicles, as well as relatives who borrow your vehicle. They also offer waived deductibles in certain situations and cover locksmith charges and road service at the site of an accident, including reasonable towing and required labor costs. Overall, Erie Insurance's collision coverage is a vital component of their auto insurance, providing customers with financial protection and peace of mind in the event of a collision with another vehicle or object.

Erie Insurance also offers the option to customize your car coverage to suit your specific needs. Their agents can help you add extra options to your policy, ensuring that you have personalized protection. For example, for just pennies a day, you can add the ERIE Auto Plus® package, which includes features such as diminishing deductibles, transportation expenses, increased coverage limits, and a death benefit. This package provides added benefits that will be valuable in the event of an auto claim.

Liability insurance protects you if you're responsible for an accident that injures others or damages property

Liability insurance is an essential feature of any auto insurance policy. It protects you financially if you are found to be at fault in an accident that injures others or damages their property. This type of coverage is known as third-party insurance because it covers claims made by third parties, rather than the policyholder.

In the context of auto insurance, liability insurance is often a legal requirement. Most states mandate that drivers have a minimum level of liability insurance to cover injuries to other people and damage to their property in the event of an accident. This is because liability insurance can help cover the costs of medical bills, repairs, and legal fees that may arise from an accident.

There are two primary types of liability coverage in auto insurance: bodily injury liability and property damage liability. Bodily injury liability covers the costs of medical expenses, lost income, and pain and suffering for those injured or killed in an accident caused by the policyholder. Property damage liability, on the other hand, covers the costs of repairing or replacing damaged property, such as vehicles, buildings, or other objects.

It is important to note that liability insurance does not cover damage to the policyholder's own vehicle or their own injuries. Instead, separate collision and comprehensive coverage can be purchased to protect against these risks. Additionally, liability insurance does not cover intentional damage or contractual liabilities.

When considering liability insurance, it is recommended to purchase as much coverage as you can comfortably afford. State minimums may not be sufficient to cover the costs of a serious accident, and any damages that exceed the limits of your policy will still be your responsibility. By choosing adequate liability coverage, you can protect yourself from potentially devastating financial obligations that can arise from being at fault in an accident.

Comprehensive coverage includes damage to your vehicle not caused by a collision

Erie Insurance offers comprehensive coverage, which includes damage to your vehicle not caused by a collision. Comprehensive coverage provides financial protection for your car from loss due to fire, theft, or damage not caused by a collision. For example, if you hit a deer while driving, the damage would be covered under comprehensive coverage. It also covers losses like vandalism, hail, and other natural disasters.

Comprehensive coverage is an optional coverage that you can add to your auto insurance policy. It is different from collision coverage, which covers your vehicle after an accident with another vehicle or object. If you swerve to miss a deer and hit a tree, for instance, this would be considered a collision with an object and would not be covered under comprehensive coverage.

Comprehensive coverage can be useful no matter who is at fault in an accident. It helps pay for repairs over your deductible, so you don't have to bear the entire cost of repairs yourself. It is also required by most lienholders, along with collision coverage, to protect their interest in the vehicle.

Comprehensive coverage has a deductible, which is the amount you agree to pay before the insurance company starts paying for damages. The deductible amount can vary, and typically, the higher the deductible, the lower your insurance cost. It's important to note that comprehensive coverage is usually limited to the actual cash value of your vehicle. So, if you have an older vehicle, you may want to consider whether this coverage is necessary.

In addition to comprehensive coverage, Erie Insurance offers a range of other protections, including collision insurance, liability coverage, personal injury protection, and uninsured or underinsured motorist coverage.

Erie offers multi-policy discounts for auto and home insurance

Erie Insurance offers a multi-policy discount of between 16% and 25% when you insure your auto and home with them. This discount depends on your state and is subject to eligibility criteria and rates and rules at the time of purchase.

Erie Insurance is available in 12 states and the District of Columbia. These states include New York, North Carolina, Wisconsin, and Tennessee.

Erie Insurance offers a range of insurance products, including auto, home, renters, condo, business, and life insurance. Their auto insurance policy includes collision insurance, liability insurance, and comprehensive car insurance. Collision insurance covers your vehicle after an accident with another vehicle or object, such as a tree or pole. Liability insurance protects you when you are responsible for an accident that injures others or damages someone's property. Comprehensive car insurance covers damage to your vehicle that is not caused by a collision, such as fire or theft.

Erie's home insurance policy is also comprehensive and includes dwelling coverage, other structures coverage, personal property coverage, personal liability coverage, and guest medical coverage, among other benefits.

By bundling your auto and home insurance with Erie, you can take advantage of their multi-policy discount and save on your insurance premiums.

Frequently asked questions