COVERAGE OVERVIEW 
DISCLOSING DRIVERS
It is important to disclose all drivers-First Named Insured as listed on policy; others in the household – Spouse, Relatives such as children,Domestic Partner, and Unrelated Residents. Also, Regular Drivers Living Elsewhere must be disclosed.
IF YOU ARE INJURED
The First Party Benefits include
- Medical Payments
- Extraordinary Medical Benefit
- Do you have health insurance?
- Income Loss
- Do you have short & long-term disability?
- Accidental Death
- Funeral Benefits
- Do you have enough life insurance?
All relatives residing with you are covered under your personal auto policy unless they have their own individual policies.
Workers Compensation may cover injuries as part of employment.
IF YOU INJURE SOMEONE OR DAMAGE OTHERS’ PROPERTY
Liability protection provides legal defense and a settlement to
- those you may injure, or
- for property you may damage.
These limits can become outdated.
You can have additional coverage with a stand-alone Excess Liability Policy.
- Do you have assets to protect?
- Real estate
- Savings & investments
IF YOU ARE INJURED BY AN IMPROPERLY INSURED DRIVER
The occupants of your car can be protected from injuries by Uninsured Motorists (no insurance at all) or Underinsured Motorists (legally insured, but with insufficient coverage). You can
- reject this optional coverage,
- lower the limit (matches the Bodily Injury Liability limit)
- reject stacking (multiplies the coverage times the vehicles on the policy).
TORT OPTION
PA drivers are offered two choices for not-at-fault injuries.
- Limited Tort allows recovery for all medical and out-of-pocket expenses; but pain and suffering only if it meets the definition of “serious injury”.
- Full Tort does not require the “serious injury” definition.
DAMAGE TO YOUR CAR
Deductibles apply. Choosing higher deductibles lowers your premium.
- Collision (roadway accident, hit-and-run)
- Comprehensive (fire, theft, vandalism, glass damage, flood, hitting a deer, & more)
OPTIONS
Road Service provides reimbursement of reasonable emergency expenses such as towing.
Transportation Expense, also known as Rental Car Reimbursement.
- Would you need a rental car (similar to your car) while your car is repaired?
ERIE INSURANCE – DISCOUNTS
- Safe driver / Loss-free
- Prior insurance
- Advance quote
- Erie Auto & Home & or Life
- Multi-car
- Low annual miles
- Teen driver training & teen claim-free driving
- Pay-In-Full discounts
- 55+ safe driver course
- Anti-theft alarm
- Anti-lock brakes
- Air bags & other discounts
REVIEW
We ask for the opportunity to review your needs when purchasing auto insurance. We also provide a written review each year.
DISCLAIMER: This brochure is provided as a convenient summary. It is not an offer of coverage. Details, limitations and exclusions are found in the actual policies.