Optional Coverages
Select from the list below of available optional coverages.
Auto Enhancement Coverage is a new endorsement that you can add to your Family Auto Policy if you have Comprehensive and Collision Coverage on at least one auto. For an additional $30, you can add the following enhancements to your policy:
- Diminishing Deductible For each claims-free year that your policy has been in force, beginning with the policy period in which the Enhancement Endorsement is first added to your policy, any applicable deductible will be reduced by $100, up to a maximum reduction of $500. Claims-free means that ERIE has not made any payment for an at-fault accident, not-at-fault accident, or a claim of any nature including Road Service.
- Deductible Waiver In the event that a loss involves an auto we insure and your property insured under an Erie Insurance HomeProtector Policy, only the HomeProtector deductible will apply. The Comprehensive or Collision deductible which applies on your Family Auto Policy will be waived.
- Transportation Expenses An additional five days of coverage will apply for a covered Comprehensive or Collision loss after we offer settlement. Payment will not exceed the applicable Transportation Expenses limit.
- Emergency Travel Costs Reimbursement for travel costs paid because you were unable to reach your destination after loss to an auto we insure is increased from $75 per person to $150 per person.
- Personal Effects Payment for loss to personal effects is increased from $350 to $500.
- Sound Equipment Payment for loss to sound equipment which is permanently installed in the auto other than where the auto manufacturer would normally install such equipment is increased from $1,000 to $4,000.
- Nonowned Trailers Payment for loss to a nonowned trailer is increased from $2,000 to $3,500.
- Death Benefit If anyone we protect dies as a result of bodily injury caused by an auto accident, ERIE will pay an additional $1,000 if death occurs within one year of the date of the accident.
THIS COVERAGE IS NOT AUTOMATIC!
If you would like to purchase this new optional coverage, please contact your ERIE Agent for details. - it costs just $30.00 per year and includes all vehicles listed on your policy with both comprehensive and collision coverage's. To purchase this for your policy you need to contact Bob@BobInsurance.com
New Auto Security Coverage must be added within 60 days of your new auto purchase and includes the following coverages:
- Auto Lease/Loan Security Coverage is available if you have a lease or a loan for up to seven years for an auto on which you are the original owner. In addition to the actual cash value of your vehicle prior to the total loss, this coverage pays for the amount that is still due on your lease or loan. If you previously had Auto Lease/Loan Security Coverage on your policy, your policy has renewed with New Auto Security Coverage.
- Replacement Cost Coverage applies on an auto that is two model years old or less. Following a total loss of your new auto, coverage will provide you with a replacement auto of the same make and model with the same equipment.
- Repair Coverage pays for repairs to your new auto without a deduction for depreciation in the event of a covered loss other than a total loss.
If you previously had Auto/Lease Loan Security Coverage on your policy, your policy has renewed with New Auto Security Coverage. Even though this new endorsement provides more coverage, the premium for this coverage has not increased.
If you purchase a new auto and would like to add this new optional coverage, contact your BobInsurance within 60 days of your new auto purchase.
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