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Car Sense

Understanding Your Auto Coverage

You know if you have a car, you need auto insurance. However, you’re probably not thinking about what kind of coverage you have until you need it. From protecting your car, to protecting your passengers and any prized possessions along for the ride, it’s good to know your ERIE policy has you covered for life’s little mishaps.

Say your daughter forgets your car is parked right behind her in the driveway or a deer doesn’t wait his turn to cross the street, we’ll make sure you’re back on the road as soon as possible. In the moments after an accident, so many things are happening that you may feel overwhelmed. Thinking about what you auto policy covers shouldn’t be one of them.

Common Coverages

Depending on your state’s requirements for auto insurance and what limits and options you pick, your auto policy can include up to six common coverages.

You Cause an Accident and Someone Gets Hurt: If you cause an accident and other people are injured due to your negligence, bodily injury liability coverage is what protects you against their claims for damages, such as medical expenses, lost wages, and pain and suffering. (Talk to your ERIE Agent to learn more and to determine what limits are best for your situation.)

You Need Medical Treatment: If you or others covered on your policy are injured in an accident while occupying your vehicle, there’s a coverage that reimburses for medical treatment. It’s called medical payments coverage or personal injury protection.

Not Enough to Go Around: Uninsured or underinsured motorist coverage (optional in some states) is for your protection. If you are 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.

Financial Security Blanket:Comprehensive (or “Comp” for short) insurance provides financial protection for your car from loss to due to fire, theft or damage not caused by a collision (for example, hitting that deer we mentioned earlier).

Crash Helmet: 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 would definitely want comp and collision.

To take a look at your current coverage, contact your ERIE Agent

Read more about Understanding Your Auto Coverage:

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You know if you have a car, you need auto insurance. However, you’re probably not thinking about what kind of coverage you have until you need it. From protecting your car, to protecting your passengers and any prized possessions along for the ride, it’s good to know your ERIE policy has you covered for life’s little mishaps. /blog/common-auto-insurance-coverages Erie Insurance https://www.erieinsurance.com/-/media/images/erieinsurance/erieinsurancelogo.png

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.


The insurance products and rates, if applicable, described in this blog are in effect as of November 2017 and may be changed at any time. 


Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. 


The insurance products and services described in this blog are not offered in all states.  ERIE life insurance and annuity products are not available in New York.  ERIE Medicare supplement products are not available in the District of Columbia, New York and Wisconsin.  ERIE long term care products are not available in the District of Columbia and New York. 


Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.


Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.