Does My Erie Auto Insurance Cover Me For Commercial Vehicles?

Erie Insurance offers a range of auto insurance options for both personal and commercial vehicles. For personal vehicles, Erie Insurance provides standard coverage as well as additional protection features, such as collision and comprehensive coverage, pet injury coverage, and locksmith services. The company also offers business auto insurance, which is essential for businesses that rely on vehicles for their operations. This insurance covers liability, damages, uninsured/underinsured motorists, and medical costs. Additionally, Erie Insurance provides custom solutions for specific industries, including auto services, restaurants, and technology.

Liability insurance

Erie Insurance offers business auto insurance for both owned and leased cars and trucks. This includes liability insurance, which covers you if you are responsible for harming others or for damaging their vehicles or property. This type of insurance is required in nearly every state.

If you are a business owner and your employees use their personal cars for work, you will need to add hired and non-owned coverage to your policy. This will provide liability coverage if you are sued following an accident. The employee’s car insurance would usually cover the physical damage to the vehicle.

Comprehensive coverage

Erie Insurance offers comprehensive coverage for commercial vehicles. Comprehensive insurance covers damage to your vehicle that is not caused by a collision. This includes damage from fire, theft, vandalism, hail, floods, earthquakes, hurricanes, falling objects, and animal-related damage. Comprehensive insurance also covers windshield and glass repairs, locksmith costs if you accidentally lock your keys in your car, and vet treatment costs for pets injured in an accident.

Erie Insurance's comprehensive coverage includes car rental coverage in the event of a comprehensive loss. This means that if your vehicle is damaged or destroyed by something other than a collision, such as theft or vandalism, you will be provided with a rental car until your vehicle is repaired or replaced.

In addition to comprehensive and collision coverage, Erie Insurance offers a range of extra protection features, such as first accident forgiveness, pet injury coverage, and waived deductibles in certain situations. You can also customize your coverage by adding extra options, such as increased coverage limits and death benefits.

It is important to note that comprehensive coverage is optional if your car is paid off, and you may want to consider dropping it if the value of your car is less than ten times your comprehensive premium.

Collision coverage

If you have a newer vehicle, are on a lease, or still owe money on your car loan, you will likely want both comprehensive and collision coverage. Collision coverage will protect you financially if your car collides with another car or object, or if it flips over. It covers damages caused by uninsured motorists and hit-and-run drivers. It is worth noting that collision coverage does not include accidents caused by the insured driver, which would fall under liability insurance.

Erie Insurance offers collision coverage as part of its auto insurance policy. This includes First Accident Forgiveness, where, after three claims-free years, there is no surcharge the first time you are at fault in an accident. Additionally, if you repair rather than replace a damaged windshield, Erie will waive your comprehensive deductible.

Erie's auto policy also includes extra protection features, such as locksmith charges and road service at the site of an accident, with reasonable towing and required labor included. You can also add rental car expense coverage to ensure you have transportation if your car is in the shop due to an accident.

Erie Insurance allows you to customize your car coverage with extra options. For example, you can add ERIE Auto Plus, a package that includes a diminishing deductible, where your deductible is reduced for each consecutive claims-free year. You can also add increased coverage limits to help cover emergency travel costs, personal items, sound equipment, and non-owned trailers.

It is important to note that auto insurance requirements and coverages may vary by state, so be sure to check with an Erie Insurance agent to understand the specific coverages available to you and how you can customize your policy to meet your needs.

Medical costs

Erie Insurance offers commercial vehicle insurance for both owned and leased cars and trucks. This includes medical costs for you or your passengers' injuries resulting from an auto accident.

Erie's commercial auto insurance also includes uninsured/underinsured motorist coverage, which will cover your medical costs if you are injured by a driver who does not have auto liability insurance or is unable to pay any or all of the costs owed to you.

Additionally, Erie's auto policies include personal injury protection, which is optional in some states. This coverage reimburses medical treatment for you or others covered under your policy who are injured in an accident in your vehicle.

Erie's Business Auto Enhancement bundle includes Worldwide Medical Evacuation, which provides up to $50,000 in reimbursement for medical evacuation costs.

Uninsured/underinsured motorists

Uninsured and underinsured motorist coverage is a crucial aspect of auto insurance, providing financial protection in the event of an accident with an uninsured or underinsured driver. This type of coverage is especially important as nearly 13% of drivers countrywide do not have auto insurance, and this number exceeds 20% in some states.

Erie Insurance offers uninsured/underinsured motorist coverage as part of its business auto insurance. This coverage ensures that you are protected if an at-fault driver is unable to pay any or all of the costs owed to you. This includes coverage for both bodily injuries and property damage caused by the uninsured or underinsured driver.

In the unfortunate event of an accident with an uninsured or underinsured motorist, Erie Insurance's coverage can help protect you from financial loss. This coverage is designed to fill the gap when the at-fault driver lacks sufficient insurance to compensate you for your injuries or damages to your vehicle.

It's important to note that uninsured/underinsured motorist coverage is mandatory in many states and highly recommended for all drivers, even if it's not required in your specific state. Without this coverage, you could be left paying out of pocket for medical bills or vehicle repairs if you're in an accident with an uninsured or underinsured driver.

Erie Insurance's business auto insurance provides a comprehensive solution, ensuring that you are protected in various scenarios, including those involving uninsured or underinsured motorists.

Frequently asked questions