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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). 


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.


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.

First Accident Forgiveness1

Windshield Repair

Pet Injury Coverage

Travel Expenses4

More Reasons to Choose ERIE4


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.

ERIE Auto Plus®

ERIE Rate Lock® Feature2

Motorcycle Insurance

New Car Replacement

Rental Car Coverage

Roadside & Rentals Bundle

  • 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.

  • 2

    Rates 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.

  • 6

    For 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.


Find out if ERIE is right for you. Get a car insurance quote today. An agent will be in touch.