Frequently Asked Question
IF SOMEONE BORROWS AN INSURED’S VEHICLE ARE THEY COVERED?
We provide liability protection for any person using or legally responsible for the use of an owned auto we insure, subject to any exclusions, limitations, or conditions in the policy jacket and/or policy endorsements. This must be with the named insured’s permission unless the use is by a relative of the named insured’s household. Any specifically excluded driver is not covered.
WHAT DOES COMPREHENSIVE COVERAGE COVER?
Comprehensive coverage pays for damage to an insured auto its equipment not caused by collision or upset. This includes, but is not limited to fire, theft, glass breakage, vandalism and contact with persons, animals, birds, or falling objects.
IS THERE COVERAGE OUTSIDE OF THE UNITED STATES?
Coverage applies to accidents or losses that occur during the policy period in the United States of America, its territories and possessions, Puerto Rico, Canada or between their ports. Except in NY, we will reimburse the insured for premium paid for up to 30 days coverage in a foreign country where this policy does not apply. Reimbursements will be made only for similar coverage's which must apply to an owned auto we insure.
WHAT IS THE DIFFERENCE BETWEEN LIMITED TORT COVERAGE AND FULL TORT COVERAGE?
Full Tort permits an unrestricted right to seek financial compensation for injuries caused by other drivers. Eligible insureds may seek recovery for medical and other out-of-pocket expenses and may also seek financial compensation for pain and suffering or other non-monetary damages.
Limited Tort limits the right to seek financial compensation for injuries caused by other drivers. Eligible insureds may seek recovery for medical and other out-ofpocket expenses but not for pain and suffering or other non-monetary damages unless the injuries suffered fall within the definition of “serious injury” or unless one of several other exceptions (injury caused by an uninsured motorist, an out of state registered vehicle or a drunk driver) applies.
WHY CAN THE PREMIUM INCREASE FROM ONE YEAR TO THE NEXT ON THE SAME VEHICLE?
Medical, legal and auto repair costs are rising, which costs insurers more to pay claims. ERIE does all it can to control other expenses, but as the costs for good and services ERIE must purchase to pay claims increase, so must premiums be raised to help cover those costs. Rate increases are filed and approved by each state’s insurance department. Premiums could also increase on individual policies because of a surcharge, additional driver, loss of a discount or a change in a rating factor (i.e. insurance score, secondary class factor, etc).
IS THERE COVERAGE FOR RENTING AUTOMOBILES, MOVING VANS AND U-HAULS?
Liability protection extends to non-owned autos, moving vans and Uhauls. The moving van or U-haul must be used for personal use and be a four to six wheel motor vehicle, designed mainly to transport household goods and must be rented by the named insured for 45 days or less (22 days or less in NC).
Physical Damage Coverage exists if purchased on private passenger autos only while the named insured or resident relative is operating or has possession or custody of a private passenger auto not furnished or available for the regular use of him or a resident relative. In NC, the vehicle must have a GVW less than 10,000 pounds.
IS THERE AUTOMATIC COVERAGE FOR A REPLACEMENT VEHICLE?
For the coverage purchase and for which a premium is shown on the declarations, ERIE insures any private passenger auto, including four to six wheel motor vehicles, owned by the named insured which replaced an auto described on the declarations. The named insured must notify us during the policy period for coverage to apply to the replacement vehicle. If a replacement is made within 30 days prior to the end of the policy period, the named insured has 60 days after acquisition to notify us.
****If the policy does not have Comprehensive or Collision coverage on any vehicle listed then Comprehensive or Collision coverage will automatically apply subject to a $500 deductible. The coverage will end seven days after the additional or replacement vehicle is acquired, purchased or leased or when the insured reports the additional or replacement vehicle to us, whichever occurs first.
IF AN INSURED BUYS A NEW VEHICLE, HOW LONG DOES HE HAVE TO INFORM ERIE OF IT?
To be properly insured, a new vehicle should be reported as soon as possible to the insured’s Agent. However, it must be reported by the end of the policy period, or within 60 days of acquisition, if purchased within 30 days of the renewal date. In NC, a newly acquired vehicle must be reported within 30 days of purchase.
**If the policy does not have Comprehensive or Collision coverage on any vehicle listed then Comprehensive or Collision coverage will automatically apply subject to a $500 deductible. The coverage will end seven days after the additional or replacement vehicle is acquired, purchased or leased or when the insured reports the additional or replacement vehicle to us, whichever occurs first.
WHAT IS UNDERINSURED AND UNINSURED COVERAGE?
Underinsured motorist coverage protects the Insured for losses when the responsible driver does not have enough insurance to pay for damages he causes.
Uninsured motorist coverage protects the insured for losses caused by persons carrying no liability insurance. Depending on the state, Uninsured/Underinsured Motorists coverage protects the insured for Bodily Injury only or for Bodily Injury and Property Damage. Uninsured Motorists Property Damage coverage covers physical damage to the insured’s auto when struck by an uninsured driver.
WILL MY PREMIUM INCREASE IF I REPORT A LOSS ON MY HOMEPROTECTOR POLICY?
HomeProtector policies may be subject to a surcharge if there has been 2 or more paid claims in the past five years. Currently CERP (Claims Experience Rating Plan) does not apply in North Carolina, New York and West Virginia.
DOES THE PARENT’S HOMEPROTECTOR POLICY COVER PERSONAL PROPERTY OF A STUDENT WHO LIVES AT COLLEGE?
A college student is someone we protect under the parent’s policy as long as the full time student is under 24 years old and a resident of the parents’ household. As such, the student’s personal property is covered under the Personal Property Coverage of the parent’s Home Protector.
HOW IS PERSONAL PROPERTY COVERED DURING A MOVE?
Personal property on an inforce HomeProtector is covered for the perils of the policy prior to the move, during the move, and for 30 days after the move commences.
If the move is within a state or to a state where The ERIE does business, the Policyholder should secure a new HomeProtector Policy within 30 days after the move begins. If the move is to a state where The ERIE in not licensed to do business, the Policyholder should contact an agent writing for a company in that state.
What should I do on a HomeProtector Policy when the named insured is deceased?
If the named insured dies, the HomeProtector policy should be cancelled and the home rewritten on a Dwelling Property policy in the name of the estate. In Pennsylvania, we must wait 180 days. While the policy is still in force it provides coverage for family members residing in the household at the time of death
Is there a way to provide coverage for losses involving surface water and flood?
The ERIE HomeProtector Policies specifically exclude water damage caused by flood and surface water. There is no endorsement to buy back that exclusion. Flood coverage is underwritten by the Federal Government.