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
NY Personal Auto policies have many options that impact premiums. This includes –
- Personal Injury Protection (PIP) includes $50,000 Basic Economic Loss coverages – Medical Expense, Work Loss $2,000/month max.), and Daily Essential Services ($25/day max.). A $2,000 Death Benefit and also included. A $25,000 Optional Basic Economic Loss benefit is optional. Additional PIP limits of $50,000 and $100,000 are also available. As you select limits that meet 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. These limits can become outdated over time.
IF YOU ARE INJURED BY AN IMPROPERLY INSURED DRIVER
The occupants of your car can be protected from Uninsured Motorists (no insurance at all) with mandatory coverage with limits of $25,000 per Person and $50,000 per Accident. Supplementary coverage includes protection from Underinsured Motorists (legally insured, but with insufficient coverage for the legitimate value of your bodily injury and where the Third Party Bodily Injury Liability Limits are less than your limits). You can purchase up to your Bodily Injury Liability limits.
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
- 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.