Auto Insurance
Many people choose the Erie Insurance Group to insure their autos because of our competitive prices but we are much more than that! We also provide the highest level of customer service, over 30 Xtra Features, flexibility and stability that ranks at the top of the industry. We are committed to keeping your auto rates as low as possible by keeping our overhead low and carefully evaluating applicants.
We further reduce your rates by offering
numerous discounts, which include:
- Multi-car Discount
- Age 55 or Over Discount
- Passive Restraints Discount
- Anti-Theft Devices Discount
- Anti-Lock Brakes Discount
- Multi-Policy Discount
Erie's Customer Incentive Program guarantees your auto rates will not be surcharged under the following circumstances:
| Feature 15: After an auto policy has been in continuous force for fifteen consecutive years with the Erie, you never will be surcharged for an "at fault" accident again. |
Claims Service
We realize that each policy is sold a promise of service; a promise we are prepared to keep. That's why we use our own trained adjusters, whenever possible, insuring that your claim will be settled quickly and fairly by personnel who know our policy and understand our service philosophy. Our claims services include:
- Contact standards ensuring you'll be promptly contacted after reporting a loss, in most cases that same day.
- After-hours service allowing you to report losses after normal business hours, on weekends and on holidays.
- ERIEGlass Program, simplifying the auto glass repair and replacement process. The program is designed to speed the claims process, to offer 24 hour claims reporting service and to be flexible enough to let you decide who should repair or replace your windshield.
- Direct Repair Program allowing you to select your own auto body shop or one of numerous participating body shops. Participating body shops will directly bill the Erie, less your deductible, as an added convenience to you.
Policy Coverages
The Erie's Pioneer Family Auto Insurance Policy offers a complete line of quality coverages to meet your auto insurance needs. The amount of coverage depends on limits of coverage you purchase:
BODILY INJURY LIABILITY
Covers your legal liability for bodily injury claims brought against you.
|
PROPERTY DAMAGE LIABILITY
Covers your legal liability for property damage claims brought against you.
|
MEDICAL EXPENSE
Covers the medical expenses for injuries sustained by you, resident, relatives and other people in your auto as the result of an accident.
|
COLLISION
Pays for damage to your auto and its equipment caused by collision or upset. |
UNINSURED/UNDERINSURED
MOTORISTS
Provides coverage when you are injured in an accident caused by another person who either has no insurance or who carries liability limits which are less than your Uninsured/Undersigned Motorist coverage. |
COMPREHENSIVE
Pays for damage to your auto and its equipment not caused by collision or upset.
|
Xtra Features
Our Pioneer Family Auto Insurance Policy provides added protection to your family with over 30 Xtra Features. Here are just a few of the Xtra Features you'll find in our policy:
- The Erie will pay up to $100 a day for incurred loss of earnings for your assistance in our investigation or defense of a claim or suit filed against you.
- The Erie will pay up to $500 for the expense of bail bonds arising from an accident or related traffic violation.
- The Erie will pay up to $1000 for loss to a non-owned trailer.
If PHYSICAL DAMAGE is purchased:
- The Erie will waive your Comprehensive deductible when a damaged windshield is repaired rather than replaced.
- The Erie will pay up to $350 for loss to personal effects resulting from a covered loss while the personal effects are in or upon an auto we insure.
- The Erie will pay up to $50 for costs incurred for locksmith services if keys are accidentally locked in an auto we insure.
- The Erie will waive the collision deductible in the event of an accident between two.
- Autos insured by The Erie, or if the driver of an auto not insured with Erie is identified, solely liable and insured. Damage to the insured vehicle must be greater than the deductible.
The Pioneer Family Auto Policy can be tailored, for an additional premium, to meet your individual needs.
- Transportation Expenses: Covers transportation expenses, including the cost of car rental, should your auto become disabled due to collision loss. (Automatically included at basic limit when comprehensive is purchased)
- Road Service: Pays reasonable towing and required labor costs at the site of breakdown when your auto is disabled.
- Auto Lease/Loan Security Coverage: Provides additional protection in the event of a total loss to a covered auto. Coverage is provided for the difference between the actual cash value of the auto and the amount due under the terms of the lease/loan.
|
