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Car Insurance Coverage Explained

An auto policy from Erie Insurance goes beyond standard coverage with loads of extra protection features, giving you benefits you won’t always find in other typical policies. Learn about what benefits are already built in (plus, how you can customize your auto coverage for even more personalized protection). 

Types of Auto Insurance

Depending on several factors, your auto policy may include up to six common coverages.

Factors like your state’s requirements for auto insurance and what limits and options you pick will dictate your auto policy coverages.

Bodily Injury Liability Coverage

If you cause an accident and other people are injured due to your negligence, bodily injury liability coverage helps protect you against any claims for damages, such as medical expenses, lost wages, and pain and suffering.

Property Damage Liability

If you damage another car (or someone’s property) and it’s determined that you’re responsible or negligent, property damage liability is the coverage that applies.

Personal Injury Protection

If you or others covered on your policy are injured in an accident in your vehicle, there’s a coverage that reimburses for medical treatment. It’s called medical payments coverage or personal injury protection (optional in some states).

Uninsured or Underinsured Motorist Coverage

Uninsured or underinsured motorist coverage (optional in some states) is for your protection. If you’re injured by a hit-and-run driver or a driver who does not have auto liability insurance, you’re covered by uninsured motorist coverage. Underinsured motorist coverage pays when the other person doesn’t have enough coverage to cover the entire cost of your injury claim.

Comprehensive Coverage

Comprehensive (or “comp” for short) insurance provides financial protection for your car from loss due to fire, theft or damage not caused by a collision.

Collision Coverage

Collision coverage is used when your car collides with another car or object or flips over. So, if you have a newer vehicle, are on a lease or still owe on your car loan, you’d likely want both comp and collision.

Compare Your Auto Insurance with an Auto Policy from ERIE

When comparing your current coverage to ERIE's, check to see if it includes these built-in protections.

An auto insurance policy from Erie Insurance features built-in extras that keep you covered from bumper to bumper.

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.

Customize Your Car Coverage

With lots of extra options to choose from, your ERIE agent can help you customize your car insurance. 

Here are just a few of the ways you can personalize your protection by adding coverages that won’t break the bank.

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 RateProtectSM 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.

¹ With First Accident Forgiveness, there is no surcharge for the first at-fault accident presented on the policy.  Available after the policyholder has been insured with ERIE for three years. Available immediately in North Carolina and with ERIE Rate Protect policy in New York.
2Rates subject to change if you add or remove a vehicle, add or remove a driver, or change your address or the place you usually park your car. ERIE Rate Lock® does not guarantee continued insurance coverage. Not available in all states. Limited to three years in Virginia. Insured must meet applicable underwriting guidelines. Premium may change if you make a policy change.
3 Additional premium required in New York.
4 Sub-limits (differing from policy limits) may apply to these coverages.
5 Rules and coverages vary by state. ERIE will reimburse policyholder up to $75 for services.
6For each consecutive claims-free policy year that this policy has been in force, beginning with the first policy renewal period after this endorsement was added, any applicable Comprehensive or Collision deductible will be reduced by $100, up to a maximum reduction of $500. In New York, the comprehensive deductible cannot be reduced to less than $50 and collision deductible cannot be reduced to less than $100.
7 Not applicable in Kentucky.
8 Increased limits apply to personal effects, non-owned trailers, supplementary payments and locksmith costs in Virginia.
9 Vehicle is considered new when less than two years old. Eligible vehicles must carry both comprehensive and collision coverage and replacement must be made with a comparable model. The endorsement is sold on a per-vehicle basis, not per policy, and contains the specific details of the coverages, terms, conditions and exclusions. New vehicle replacement and better vehicle replacement do not apply to leased vehicles. Only auto lease/loan security applies to a leased vehicle. When payment is made under new vehicle replacement or better vehicle replacement, auto lease/loan coverage will not apply. Coverage is not available in New York or North Carolina.

Auto Insurance Coverage by State

Want to learn about what car coverages and discounts are available in your state? Select your location to learn more:

More Information on Understanding Car Insurance

Coverage Costs

What is Covered?

Auto Insurance Terms

Customer Support


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