Liability
LiabilityLiability insurance helps to cover a driver in the case that they are responsible for an accident that injures another person or another person's property. Instead of paying out of pocket for another person's medical expenses or damage to their care, your insurance kicks in to help cover these costs. This coverage is the bare minimum required for every driver in nearly every state.
It's also a smart idea to consider an umbrella policy, which can provide you with $1 million or more in liability protection for catastrophic accidents. It's a surprisingly inexpensive way to ensure you're protected from a serious financial loss.
Comprehensive and Collision
Collision coverage covers you in the event they are in an accident with another vehicle, regardless of fault. It also covers you for other events involving a collision, such as hitting a tree or a street pole.
Comprehensive coverage covers you for accidents that don't involve a collision. This could be anything from windshield damage, a fire, or hitting a deer. The exact coverage varies by insurance carrier.
Both comprehensive and collision are recommended coverages that can be tailored to meet your needs and budget.
Erie Rate Lock®
Avoid care insurance rate increases with Erie Rate Lock. Offered through Erie Insurance, Rate Lock allows you to lock in your current rates. This means your rates will never increase*, even if you are in an accident. Now that's a smart move.
Rates subject to change if you add or remove a vehicle, add or remove a driver, or change your address or the place you usually park your car. ERIE Rate Lock® does not guarantee continued insurance coverage. Not available in all states. Limited to three years in Virginia. Insured must meet applicable underwriting guidelines. Premium may change if you make a policy change.
