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Frequently Asked Questions

  • Q1 - What does underinsured motorist & uninsured motorist coverages mean?
  • Q2 - What is the difference between stacked & unstacked coverages?
  • Q3 - What is lease/loan security coverage and what is the charge for it?
  • Q4 - What is the difference between the limited and full tort?
  • Q5 - What are the different pay plans?
  • Q6 - What is the difference between comprehensive and collision coverage?
  • Q7 - What is the NAIC number and where do I find it on my insurance card?
  • Q8 - Why does my policy still show a lien holder or mortgagee?
  • Q9 - If I let someone else drive my vehicle, are they covered?
  • Q10 - Does Erie give a discount for good grades?
  • Q11 - Can an unrelated person be listed as a named insured on my policy?
  • Q12 - If I rent a vehicle, do I have coverage?
  • Q13 - Do I need to contact my agent if I install a woodstove?
  • Q14 - Do I need to contact my agent if I get a swimming pool?
  • Q15 - Do I need to contact my agent if I get a trampoline?
  • Q16 - What is “insurance scoring” and how does it affect my policy?
  • Q17 - Can I pay my insurance bill online?
  • Q18 - What information do I need in order to get a quote?
  • Q19 - Where do I turn in my license plates when I have sold a vehicle?
  • Q20 - When do I need to contact my agent regarding a newly purchased vehicle?
  • Q21 - I changed auto insurance companies; will my new insurance company notify PennDOT?
  • Q22 - What should I do if I cancel liability insurance on a registered vehicle?
  • Q23 - How much life insurance do I need?
  • Q24 - What is the difference between term and permanent insurance?
  • Q25 - How can I change my address/beneficiary/ownership on my Erie life insurance Policy?
  • Q26 - What is an annuity?
  • Q27 - I know someone who's committing insurance fraud with Erie Insurance. What can I do?
  • A1. - Underinsured motorist coverage protects you in case of bodily injury when the responsible driver does not have enough insurance to pay for damages they cause. Uninsured motorist coverage protects you in case of bodily injury caused by persons carrying no liability insurance. In PA, Uninsured/Underinsured Motorists coverage protects the insured for Bodily Injury only.

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    A2. - Unstacked coverages protect you with Uninsured and Underinsured Motorist coverage for stated limits on a per person/per accident basis. Stacked coverage significantly increases your uninsured and underinsured motorist coverages by “stacking coverage for each vehicle insured under the policy. For example, if you elect stacked coverage with three insured vehicles, your $100,000/$300,000 coverage is increased by $300,000/$900,000 (3x).

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    A3. - Auto lease/loan security coverage provides additional protection in the event of a total loss to a covered auto for which the auto lease/loan coverage has been purchased. Coverage must be requested within 60 days of the lease or purchase of a new vehicle only. Coverage would be provided for the difference between the actual cash value of a covered auto and the amount due under the terms of the lease/loan agreement. The premium for this coverage varies depending on the vehicle.

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    A4. - The tort option is a significant coverage in auto insurance. Full tort allows an “unrestricted right of recovery” against the responsible party who injured you. The limited tort option has a premium savings; however, you significantly limit the legal protection for you and your family. “Out of pocket” expenses (auto repairs, medical bills, loss of income) are always recoverable, however, other rights of recovery (right to sue for pain and suffering) are waived under the limited tort option without a “serious injury” (example, permanent disfigurement or disability).

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    A5. - Most companies offer flexible pay plans. We suggest you call our office to determine your options. Some companies offer up to a 7% discount for paying your premium in full.

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    A6. - Comprehensive coverage pays for damage to an insured auto not caused by collision or upset. This includes, but it not limited to fire, theft, glass breakage, vandalism and contact with persons, animals, birds, or falling objects. Collision coverage pays for your repairs after collision with another vehicle or object as well as uninsured drivers or “hit & run”. For both coverages, a deductible does apply. The lower the deductible, the higher the premium and the higher the deductible the lower the premium.

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    A7. - Every insurance company licensed to conduct business in Pennsylvania has been issued a National Association of Insurance Commissioners (NAIC) number. This number appears on most, but not all insurance cards. If you are not sure where the code is on your insurance card, you should contact your insurance agent for additional information.

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    A8. - The lienholder or mortgagee remains on the policy until the financial institution or insured notifies us that it has been paid off.

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    A9. - Liability protection is provided for any person using or legally responsible for the use of an owned auto we insure, subject to any exclusions, limitations, or conditions in the policy jacket and/or policy endorsements. This must be with the Named Insured’s permission unless the use is by a relative of the Named Insured’s household. Any specifically excluded driver is not covered. First party benefits could apply only if there is no other available insurance coverage.

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    A10. - No, ERIE does not currently offer this discount. However, they do offer a youthful driver discount, driver training discount and college student discount.

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    A11. - Generally speaking, no, but some companies do allow us to add a second unrelated person by a special endorsement for an added premium. Call us for details.

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    A12. - Liability protection extends to non-owned autos, moving vans and U-hauls. The moving van or U-haul must be used for personal use and be a four to six wheel motor vehicle, designed mainly to transport household goods and must be rented by the Named Insured.

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    A13. - Yes, the agent is required to do a woodstove inspection to ensure that the woodstove meets the necessary safety guidelines for installation.

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    A14. - Yes, this gives the agent the opportunity to review your insurance coverages to make sure the swimming pool is properly insured and possibly increase the liability insurance on the policy. Underwriting guidelines require the pool to be properly fenced with a locking gate.

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    A15. - Yes, trampolines present an increased liability hazard. You may want to update your coverage and you should know that if a claim occurs from the use of a trampoline, some insurance companies may refuse to renew your policy.

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    A16. - An insurance score is a numerical rating developed from a person’s credit history. The insurance score primarily considers: new applications for credit, amount of outstanding debt, types of credit in use and length of credit history, payment history, bankruptcies and collections. This provides an objective tool that insurers use along with other applicant information to better predict the likelihood of a consumer filing claims. You will be charged a premium that in part reflects your insurance score, and you can rest assured that you renewal premium will not be increased because of your score. In fact, you may qualify for a premium reduction because of your score.

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    A17. - Yes, with ERIE you can make all your insurance premium payments electronically. To pay by phone, call 800-387-1492 and use your credit card, debit card of checking account number. For online payments using savings and checking account numbers, go to www.erieinsurance.com. To pay your Progressive policy online go to www.driveinsurance.com and www.millvillemutual.com to pay your Millville Mutual policy online.

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    A18. - For an auto insurance quote the following information is necessary, name, address, vehicle information including the vehicle identification number (VIN), social security number, driver’s license number, date of birth for all licensed drivers in the household, and primary use of the vehicle. For a homeowner’s insurance quote: name, property address, social security number, date of birth, information about the property (square footage, construction of home (i.e., frame, brick) distance to fire hydrant and fire station).

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    A19. - License plates can be returned to: BMV, Return Tag Unit, P.O. Box 68597, Harrisburg, PA 17106-8597.

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    A20>. - It is your responsibility to contact your agent as soon as you purchase a new vehicle. Coverage is not automatic in every case. The dealership may contact your agent, but you, the insured, need to contact your agent in order to verify coverages.

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    A21. - No, Insurance companies are NOT required by law to notify PennDOT when a vehicle owner acquires a new policy. It is the vehicle owner’s responsibility. Typically, PennDOT will request information about your new insurance company from you via a simple form letter.

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    A22. - Send your registration plate, sticker, and card into PennDOT immediately upon canceling insurance. Form MV-141 should be used for this purpose and can be obtained on our quick forms section. Mail your plate and completed form to: BMV, Return Tag Unit, P.O. Box 68597, Harrisburg, PA 17106-8597.

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    A23. - See our easy to use life calculator. Click Here

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    A24. - Permanent life insurance provides guaranteed life insurance protection for your entire life while term life insurance provides coverage for a limited time (i.e., 10, 20, 30 years). Unlike term, permanent life insurance builds a cash value that increases the longer the policy is in force.

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    A25. - You can change any of these by submitting a completed change request form found on our quick forms. (please link directly to this form on quick forms) This form should be returned to us for final review and submission to Erie family life. We will gladly assist with other companies. Call us.

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    A26. - People desiring a more comfortable, financially secure retirement need to be disciplined about saving money. An annuity allows you to accumulate savings for retirement on a tax-deferred basis. You pay no income tax on interest accumulated on your annuity deposits until the money is withdrawn. This deferral of taxes is one of the biggest advantages of an annuity.

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    A27 - You can anonymously report information on insurance fraud by calling the fraud finders hotline at 1-800-368-6696

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