Erie Auto Insurance Coverages: Understanding Liability Coverage

Erie Auto Insurance Coverages: Understanding Liability Coverage

Erie Auto Insurance Coverages: Understanding Liability Coverage

Looking to protect yourself and your family if you get into a car accident? Erie Auto Insurance has you covered! With a variety of coverage options, Erie can help you get the protection you need. Whether you need liability coverage, property damage coverage, or both, they can help you find the coverage that’s right for you. Get started with carism for your Erie auto insurance coverages!

Erie Auto Insurance Coverages

Erie Auto Insurance offers a wide range of coverage options to help drivers protect themselves and their vehicles on the road. Over 5 million policyholders in 12 states and the District of Columbia receive car insurance coverage from Erie Insurance Group, a Fortune 500 company. The personalized strategy to insurance coverage and excellent customer service provided by Erie Auto Insurance are well known.

Coverages provided by Erie Auto Insurance include:

  • Liability Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured and Underinsured Motorist Coverage
  • Personal Injury Protection
  • Medical Payments Coverage
  • Roadside Assistance
  • Rental Car Coverage
  • New Car Replacement
  • Pet Injury Coverage

These coverages can be customized to meet the specific needs of each individual driver.

Whether you’re looking for liability coverage, collision coverage, or comprehensive coverage, Erie Auto Insurance has options for you. With over 5 million policies in force, Erie Insurance is known for its exceptional customer service and commitment to providing affordable and comprehensive coverage to its policyholders.

Understanding Liability Coverage

Liability coverage is a type of auto insurance that covers the cost of damage or injuries that you may cause to others while driving your vehicle. It is a mandatory coverage in most states, and it helps protect you from financial loss in the event of an accident. The two types of coverage that make up liability insurance are usually bodily injury liability and property damage liability.

Bodily injury liability coverage pays for medical expenses, lost wages, pain and suffering, and other damages resulting from injuries that you or another driver cause to someone else in an accident. Property damage liability coverage, on the other hand, pays for damage to other people’s property, such as their vehicle, home, or fence.

It is important to have sufficient liability coverage to protect yourself financially in case of an accident. If the damages or injuries exceed your policy limits, you may be responsible for paying the difference out of pocket. Therefore, it’s essential to review your policy limits and consider increasing them to provide better protection.

Defining bodily injury and property damage liability

Bodily injury and property damage liability are two essential types of coverage provided by auto insurance companies like Erie. Bodily injury liability provides financial protection if you’re found responsible for injuring someone else in a car accident. This coverage can help pay for the injured person’s medical bills, lost wages, and other related expenses.

Property damage liability, on the other hand, provides financial protection if you damage someone else’s property in a car accident. This coverage can help pay for the repair or replacement of the damaged property, such as another vehicle, a fence, or a mailbox.

Defining bodily injury and property damage liability

How does Erie Auto Insurance liability coverage work?

Erie Auto Insurance liability coverage provides protection to the policyholder against claims or lawsuits arising from an accident in which the policyholder is at fault. Specifically, bodily injury liability coverage pays for the medical expenses, lost wages, and pain and suffering of other parties injured in an accident caused by the policyholder. Property damage liability coverage pays for the repair or replacement of other parties’ property that was damaged in the accident.

When the policyholder is deemed responsible for an accident, Erie Auto Insurance will typically pay for the damages up to the policy’s limits. If the damages exceed the policy’s limits, the policyholder may be personally responsible for the remaining amount. Therefore, it is important to choose liability coverage limits that adequately protect against potential claims or lawsuits.

What types of Erie Auto Insurance liability coverage are available?

Erie Auto Insurance offers several types of liability coverage, including:

  1. Bodily injury liability: Covers the medical expenses, lost wages, and other costs associated with injuries to another person in an accident you caused.
  2. Property damage liability: Covers the costs of repairs or replacement of another person’s property that was damaged in an accident you caused.
  3. Uninsured/underinsured motorist bodily injury: Provides coverage if you are in an accident caused by another driver who does not have enough insurance to cover your injuries.
  4. Uninsured/underinsured motorist property damage: Provides coverage if you are in an accident caused by another driver who does not have enough insurance to cover the damage to your vehicle.
  5. Personal injury protection (PIP): Regardless of who was at blame, provides coverage for your and your passengers’ medical costs and lost wages in the case of an accident.
  6. Medical payments: Covers medical expenses for you and your passengers in the event of an accident, regardless of who was at fault.

It’s important to note that the availability of these coverages may vary by state and policy. It’s best to check with your Erie Auto Insurance agent for more information about the specific liability coverage options available to you. In addition, we also have some auto insurance coverages that may interest you.

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