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Auto	Back to Top

	Q:	My child has just obtained his/her learner's permit. Do I have to add him/her to our Family Auto Policy?
A:  In Pennsylvania you only have to add your child to your policy after he/she has obtained his or her driver’s license.
	Q:	What are some possible discounts that are available for my auto policy?
A:  Multi policy discount for insuring your home with the same company. Also having a qualifying life policy. A:  For having a safe driving record. A:  Taking a qualified safety program if you are over the age 55 or are a new driver. A:  Prior liability limits for new policies. A:  Paying your premium in full each renewal.
	Q:	What is the difference between Collision and Comprehensive coverage?
A:  Collision coverage applies to claims that result from a collision with another vehicle or object. It also includes damages caused by uninsured motorists and hit-and-run drivers. A:  Comprehensive coverage is for losses caused by fire, theft, vandalism, and contact with animals, like hitting a deer. Damage to your windshield usually falls under comprehensive coverage.
	Q:	What is the minimum insurance coverage required in Pennsylvania?
A:  Medical Benefits — This pays medical bills for you and others covered on your policy regardless of fault. The minimum limit is $5,000 of coverage although higher limits are available. A:  Bodily Injury Liability — If you injure someone in a car accident, this coverage pays their medical and rehabilitation expenses and any damages for which you are found liable. You must buy coverage of at least $15,000/$30,000. The $15,000 pays for injuries to one person while the $30,000 represents the total available for one accident. A:  Property Damage Liability — If you damage someone’s property in an accident and you are at fault, this coverage pays for it. You must buy at least $5,000 of coverage.
	Q:	What is the difference between limited and full tort coverage?
A:  Limited Tort allows you to save on your premiums by waiving your right to recover certain damages such as payments for pain and suffering unless the injuries you sustain in an automobile accident are defined as serious. A:  Full Tort allows you to retain unrestricted rights to bring suit against the negligent party in an automobile accident.
	Q:	Are ATV’s, motorcycles, and boats covered under my auto policy?
A:  No, they are not. Only private passenger vehicles are covered and ATV’s, motorcycles, and boats are specialty vehicles that require separate insurance.
	Q:	At what age do I get the adult rate?
A:  If you have an Erie policy, you get the cheaper adult rate when you turn 24. It will take effect on your next renewal. A:  Other companies will give you the adult rate when you turn 25.

Business / Commercial

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	Q:	What group benefits are available?
A:  Health Insurance A:  Short Term Disability A:  Long Term Disability A:  Life Insurance A:  Dental A:  Vision
	Q:	How does workers’ compensation work?
A:  When an employee has a job-related accident that results in bodily injury, or suffers an occupational disease in the course of employment, the employer is subject to liability. A:  The workers’ compensation laws establish this liability as well as the benefits of the injured worker. Generally, any employer who hires at least one employee, part-time or full-time, is required to provide workers’ compensation coverage. A:  Employer’s requirements may be met by purchasing a policy from an insurance company for workers’ compensation.
	Q:	How do I get a certificate of insurance?
A:  Ask your agent for one.

Home	Back to Top

	Q:	What are some possible discounts that are available for my home policy?
A:  Multi policy discount – for insuring your auto with the same company. Also with a qualifying life insurance policy. A:  Fire and/or Burglary Alarm System Discount – for installing smoke alarms/detectors or a burglary alarm system in your home. A:  Sprinkler System Credit – if your home is equipped with an automatic sprinkler system. A:  New Home Discount – if your home was built in the last 14 years. A:  Age of Insured Discount – Erie Insurance offers Policyholders age 46 and older a discount. A:  Paying your premium in full each renewal.
	Q:	Are my jewelry, guns, and or other valuables covered by my homeowner’s policy?
A:  Under a homeowner’s policy, there is limited coverage. You may only be covered for a certain amount. Depending on the value of the item, you may not have enough coverage. It is a good idea to have a separate policy that will provide coverage in the amount of what your valuables are worth.
	Q:	Is flood damage covered under my homeowner’s policy?
A:  No. You need a separate policy for flood; it cannot be endorsed onto your home. Several companies offer flood insurance policies.
	Q:	What is the difference between replacement cost and actual cash value/market value?
A:  Replacement cost is the amount it would take to replace or rebuild your home or repair damages with materials of similar kind and quality without deducting for depreciation. A:  Actual cash value is the replacement cost minus any depreciation. The value is decreased due to age, wear and tear since the time the structure was built or purchased.

Life	Back to Top

	Q:	How much life insurance do I need?
A:  http://www.erieinsurance.com/life/calculator.htm A:  To decide how much life insurance you need, determine what financial resources your dependents would have if you were to die now, and what your dependents would actually need to maintain their current standard of living. A:  Your calculations should consider your current insurance including any employer group insurance, social security or veteran’s insurance. Add other assets you have such as savings, investments, real estate and personal property. A:  Then consider the income your dependents need for family living expenses, educational costs and any other future needs. Also, determine the cash needs for the expenses of a final illness, funeral, taxes, mortgages or other debts. A:  Your new policy should come as close to making up the difference as you can afford.
	Q:	Who should have life insurance?
A:  Everyone should have something. There are different types of policies to fit everyone’s needs. It depends on what your needs are.

Umbrella

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	Q:	What is Personal Liability Umbrella coverage?
A:  If you accidentally injure someone or damage their property, you could be sued. Lawsuits are common these days. Umbrella insurance provides additional coverage on top of your auto and homeowners liability policies by supplementing your existing policies to provide additional personal liability protection. A:  The Umbrella policy goes into effect after the underlying liability limits on your homeowners or auto policy is exhausted.

Wedding & Special Events

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	Q:	Who can purchase wedding insurance?
A:  Residents of U.S. may purchase coverage. The Insured / Policyholder, Bride and Groom must be at least 18 years of age. A honoree will always be defined as an insured on the policy but may or may not be the named insured. The Named Insured can be either of the honorees or someone such as a parent or other family member that has a financial stake in the wedding. Please note: The Wedding Protector Plan® is currently not available to residents of Alaska, Hawaii, & Louisiana.
	Q:	Why should I purchase wedding insurance?
A:  Should you experience a covered loss, your non-recoverable costs can be as much, if not more, than the cost an automobile. The quality of your wedding day may depend upon your decision to insure against financial loss. For example, you buy insurance to provide a replacement automobile against unfortunate mishaps. Why not protect your wedding like you would your other valuable investments?
	Q:	Why should I choose Travelers wedding insurance over another plan?
A:  The Wedding Protector Plan®, from Travelers offers several advantages that other policies may not. No deductibles - If you have a claim, covered losses are paid from the first dollar up to the applicable limit. Fair price - Shop around. You will find the Wedding Protector Plan® premium compares favorably with other policies Easy application - You can apply in a matter of minutes and have your policy via email. Agent support - If you care to discuss your needs before you buy, there are over 11,000 Travelers agents nationwide that can help. Trusted source - You have a nationally known and respected insurer, Travelers, standing behind your policy.
	Q:	What does the basic policy insure?
A:  The basic policy (Core Coverage) can reimburse you in case you lose your non-recoverable deposits and purchases if covered circumstances beyond your control cause you to cancel or postpone your wedding. You can also be protected against no-show or bankrupt vendors, damage to wedding attire, damaged gifts and much more.
	Q:	What if I have already signed contracts and put down deposits for the wedding? Will those be covered?
A:  Yes, deposits you have already made will be covered as long as there is no impending claim or existing claim situation that you have knowledge of when you purchase the policy.
	Q:	How much wedding insurance do I need?
A:  It is recommended that you choose a coverage level equal to the amount you would stand to lose in a worst-case scenario if you were forced to reschedule your wedding at the last minute. Consider costs and deposits of venue, gown, wedding rings, caterers, entertainment, flowers, cake, invitations, even postage, etc.
	Q:	I live in one State, but, my wedding will be in a different state. What state do I choose for a quote?
A:  You should select the state in which you reside. Please note: The Wedding Protector Plan® is currently not available to residents of Alaska, Hawaii, & Louisiana.
	Q:	Many people are helping to pay for the wedding. Will their deposits be protected?
A:  Yes, under the core coverage “Insured” means the Named Insured, each honoree and any other family member or acquaintance of an honoree who has paid for or contracted to pay for any item, service or location covered under the policy. It is important to keep all receipts and contracts in the case you must file a claim.
	Q:	Is there coverage if the Bride and Groom cannot make the ceremony due to a transportation shutdown?
A:  If you have to postpone your wedding because a commercial transportation shutdown prevents the honorees, parents, grandparents or children of the honorees from getting to the event, you can receive reimbursement for non-recoverable expenses..
	Q:	Can I purchase wedding insurance for weddings outside of the U.S.?
A:  Yes. You can purchase coverage for locations in U.S. and its territories and possessions, Puerto Rico, Canada, United Kingdom, Mexico, Bermuda, the Bahamas, Turks, Caicos, the Caribbean Islands (excluding Cuba & Haiti) and cruise ships leaving from a port within these territories. There is no additional cost for these locations.
	Q:	What does liability insurance cover? Do I have to buy it?
A:  Liability Insurance protects you if you’re held liable for bodily injury or property damage to third parties at the location of your events. You also have the option to include liquor liability coverage, which protects you from alcohol related suits brought as a result of an intoxicated guest who was served alcohol at a wedding you hosted. You may add your Venue(s) as Additional Insured at no additional cost. Please note: Liquor liability is currently not available to residents of Maine or Massachusetts. Liability coverage is an optional addition to your Wedding Protector Plan®. However, you may wish to contact the locations where you will hold your Wedding Ceremony and Reception as they may require you to show proof of liability insurance.