THE ERIE'S PIONEER FAMILY AUTO INSURANCE

Value
Claims Service
Policy Coverages
Xtra Features
Flexible

 

 

Value

The Erie's founding purpose, "To provide its Policyholders with as near perfect protection, as near perfect service, as is humanly possible, and to do so at the lowest possible cost," is as true now as it was when the company was founded in 1925.  We are committed to keeping your auto rates as low as possible by keep our overhead low and carefully evaluating all applicants.  We further reduce your rates by offering numerous discounts, which include:

  • Multi-Car Discount
  • Age 55 or Over Discount
  • Passive Restraints Discount
  • Anti-Theft Devices Discount
  • Anti-Lock Brakes Discount
  • Multi-Policy Discount (Not available in D.C.)

The Erie's Customer Incentive Program guarantees your auto rates will not be surcharged under the following circumstances:

  • First Accident Forgiveness Plan. The Erie will not surcharge an auto policy written through our preferred plan in the event of a first "at-fault" accident. (Waiting period applies in certain states.)
  • Feature 15. After an auto policy has in continuous force for fifteen consecutive years with The Erie, you will never be surcharged for an at-fault accident again.

Claims Service

We realize that each policy sold is a promise of service; a promise we're prepared to keep.  That's why we use our own trained adjusters, whenever possible, insuring that your claim will be settled quickly and fairly by personnel who know our policy and understand our service philosophy.  Our claims services include:

  • Contact standards ensuring you'll be promptly contacted after reporting a loss, in most cases that same day.
  • After-hours service allowing you to report losses after normal business hours, on weekends and on holidays, by calling 1-800-367-3743.
  • EIGlass Program, 1-800-552-The Erie, simplifying the auto glass repair and replacement process.  The program is designed to speed the claims process, to offer 24-hour claims reporting service and to be flexible enough to let you decide who should repair or replace your windshield.
  • Direct Repair Program allowing you to select your own body shop or one of numerous participating body shops.  Participating body shops will directly bill The Erie, less your deductible, as an added convenience to you.

It is because of this very commitment to the promise of service that The Erie continually receives distinguished marks for service from independent consumer organizations.  And it is what has earned The Erie its long-standing reputation for providing fast, fair and courteous claims service.

Policy Coverages

The Erie's Pioneer Family Auto Insurance Policy offers a complete line of quality coverages to meet your auto insurance needs.  The amount of coverage depends on limits of coverage your purchase:

Bodily Injury Liability: Covers your legal liability for bodily injury claims brought against you.

Property Damage Liability: Covers your legal liability for property damage claims brought against you.

Medical Payment: Covers the medical expenses for injuries sustained by you, resident relatives and other people in your auto as the result of an accident.*

Uninsured/Underinsured Motorists: Provides coverage when you are injured in an accident caused by another person who either has no insurance or does not have enough insurance to cover your damages.  Some states require your underinsured motorist coverage to exceed the responsible party's limits for the coverage to apply.  Some states require that this coverage also include property damage.

Comprehensive: Pays for damage to your auto and its equipment not caused by collision or upset.  (Referred to as "other than collision" in NC and VA).

Collision: Pays for damage to your auto and its equipment caused by collision or upset.

*See specific coverages for each state:
Medical Expense in VA
Personal Injury Protection in DC, MD, and NY
First Party Benefits in PA

Xtra Features

Our Pioneer Family Auto Insurance Policy provides added protection to your family with over 30 Xtra Features!

Here are just a few of the Xtra Features you'll find in our policy:

  • The Erie will pay up to $100 a day ($200 in VA) for incurred loss of earnings for your assistance in our investigation or defense of a claim or suit filed against you.
  • The Erie will pay up to $500 for the expense of bail bonds arising from the accident or related traffic violation.
  • The Erie will pay up to $1000 for loss to a non-owned trailer.

If physical damage is purchased:

  • The Erie will waive your Comprehensive deductible when a damaged windshield in repaired rather than replaced.*
  • The Erie will pay up to $350 for loss to personal effects resulting from a covered loss while the personal effects are in or upon an auto we insure.  (Theft losses are covered if the entire vehicle is stolen.)
  • The Erie will pay up to $50 for costs incurred for locksmith services if keys are accidentally locked in an auto we insure.
  • The Erie will waive the collision deductible in the event of an accident between two autos insured by The Erie**, or if the driver of an auto not insured by The Erie is identified, solely liable and insured.  Damage to the insured vehicle must be greater than the deductible.

*Additional premium required in New York.
** Not applicable in North Carolina.

Flexible

The Pioneer Family Auto Policy can be tailored, for an additional premium, to meet your individual needs.

  • Transportation Expenses: Covers transportation expenses, including the cost of car rental, should your auto become disabled due to a collision loss (included in VA).  Transportation expense from a comprehensive loss is automatically included at basic limit when comprehensive is purchased.
  • Death and Disability Benefits: Provides death and/or disability benefits should you die or become disabled as a result of an auto accident.
  • Road Service: Pays reasonable towing and required labor costs at the site of breakdown when your auto is disabled.
  • Auto Lease/Loan Security Coverage: Provides additional protection in the event of a total loss to a covered auto.  Coverage is provided for the difference between the actual cash value of the auto and the amount due under the terms of the lease/loan. (Coverage not available in NY.)

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