Rental car coverage : This covers the cost of a rental car while a shop repairs your vehicle. Plus, coverage isn’t available in New York or North Carolina. Erie considers a vehicle to be “new” only if it’s 2 years old or newer. It doesn’t account for the depreciation in your car’s value. New-car replacement: This coverage pays for the cost of a brand-new vehicle if Erie declares your current vehicle a total loss. However, it’s only available in some states. It protects you and your motorcycle in an accident and includes $3,000 in coverage for damage to gear and accessories. Motorcycle insurance: This coverage is specifically for motorcycle owners. Erie also waives your comprehensive deductible if you choose windshield repair over total replacement. Windshield repair : This pays for the repair or replacement of your vehicle’s windshield. It’s helpful especially if you own a newer vehicle, still owe on your car loan, or have a lease. It helps cover the cost of repairing or replacing your vehicle but can have a high deductible.Ĭollision coverage : This pays for damages to your vehicle due to a collision with another vehicle or object or if you experience a single-car rollover. Some states make coverage optional, while others require high policy limits.Ĭomprehensive coverage : This pays for damages to your vehicle from non-collision events, such as theft, fire, and natural disasters. It helps pay for your medical expenses and other related costs. Uninsured and underinsured motorist coverage : This is coverage that protects you if you’re in an accident with a driver who doesn’t carry insurance or doesn’t have enough auto insurance to pay for damages or injuries. It can pay regardless of who’s at fault, but it may not cover all expenses after an accident. Personal injury protection : This pays for your and your passengers’ medical expenses and other related costs. But it doesn’t cover damages to your own vehicle. Property damage liability: This pays for damages you cause to someone else’s property - like another driver’s vehicle - in an accident. It doesn’t cover your own injuries or damages to your own vehicle. It helps cover the cost of medical bills, lost wages, and legal fees if you’re at fault in an accident. Policyholders can choose from a variety of coverage options from Erie, including:īodily injury liability insurance : This pays for injury or death you cause to someone else while operating your vehicle.
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