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
MD Personal Auto policies have many options that impact premiums. This includes –
Personal Injury Protection begins at $2,500 and may be increased to $5,000 or $10,000. This protection includes Medical Expenses, Loss of Income, Replacement Services and Death Benefit. As you select a limit that meets your needs, consider your existing life, health and disability coverage (including group insurance).
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.
IF YOU ARE INJURED BY AN IMPROPERLY INSURED DRIVER
You have protection from Uninsured Motorists (no insurance at all) or Underinsured Motorists(legally insured, but with insufficient coverage) Occupants of your car have protection limits for injuries matching the Bodily Injury Liability limit. You may lower this matching limit to save premium. Your vehicle is protected with a $250 deductible. This is mandatory protection.
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.