7 Things You Didn’t Know Your ERIE Auto Policy Could Cover

The next time you look over your ERIE auto insurance policy, look for the “Xs” throughout the margins. These are all the “Xtra Protection Features” that are automatically included with your ERIE auto policy.

7 ERIE Auto Policy “Xtras” You Might Not Know You Have

Here are just a few of the things you might not have known were built into your coverage:

1. Road trip: Whether you’re headed across the state with the family or on a vacation across the country, ERIE has your back if something happens to your car and you find yourself stranded after a covered loss. If you have purchased comprehensive or collision coverage applicable to your loss, ERIE offers a reimbursement of up to $75 per passenger in the vehicle for travel expenses if you don’t reach your destination and aren’t close to home. This reimbursement limit will be increased to $150 if you add the ERIE Auto Plus® endorsement to your policy.
2. Paw protection: ERIE cares about you—and your dogs and cats. If your pet is hurt in a covered accident while riding in your car, we’ll help cover the vet treatment costs by reimbursing you up to $500 per pet (up to two pets) for a maximum reimbursement limit of $1,000). That’s great news for Fido and Fluffy. Learn more about how to keep your furry loved ones safe in cars.
3. Locked out: Darn it! We all know the feeling you get the minute you see your car keys on the front seat and the car is locked. If you find yourself in this situation and purchased comprehensive coverage, ERIE will reimburse you up to $75 for the cost of locksmith services on your insured car. If you add the ERIE Auto Plus endorsement to your policy, the reimbursement limit increases to $125.  
4. That new car smell: If you’re enjoying your new ride so much that you accidentally forgot to let your agent know about it, we get it. If you don't have comprehensive or collision coverage, just make sure to let us know within seven days of the purchase so that you have the proper coverage. (Learn more about how coverage works when buying a new car.)
   
   You can also add Auto Security1 to your policy to help protect your ride whether it’s brand new (or new-to-you).
5. Someone crashes your shopping spree: Imagine you’ve just purchased a TV or finished a round of golf and then… BAM! Someone rear-ends your car, smashing everything in the trunk. Don’t worry. If you purchased collision coverage on your vehicle, ERIE gives you up to $350 toward your personal items not covered by other insurance. (And if you add the ERIE Auto Plus® endorsement to your policy, you can increase this limit to $500.²)
6. Glass repair: A single pebble flying through the air can cause more harm than you’d expect. From chips, nicks and cracks, it can be dangerous to drive around with a damaged windshield. If you’ve purchased comprehensive coverage, ERIE will waive the deductible for windshield repairs. (Add Full Window Glass to your coverage and ERIE will waive the deductible for both windshield repairs and replacements.³) 

Dash that deductible: ERIE won’t subtract your deductible if you and another ERIE customer get into an accident.⁴

Get Advice from a Professional You Trust

There’s just so much to know about insurance, but fortunately, you don’t have to know it all. That’s why you have your very own local ERIE agent who can walk you through the complicated stuff.

Has it been a while since you checked in? To find your agent’s information, check your auto insurance ID card or log into your ERIE online account. New to ERIE? Find a local agent near you.

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of January 2024 and may be changed at any time. 

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. 

The insurance products and services described in this blog are not offered in all states.  ERIE life insurance and annuity products are not available in New York.  ERIE Medicare supplement products are not available in the District of Columbia or New York.  ERIE long term care products are not available in the District of Columbia and New York. 

Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.

Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.

text