FAQs

The Erie Rate Lock is an optional feature from Erie Insurance that maintains your premium price at a constant level. Your rate will remain unchanged unless you modify your vehicle or add or remove a driver from your policy.

The tort option is a crucial aspect of auto insurance. Full tort provides unrestricted right to recover damages from the responsible party who caused your injury. Limited tort offers a premium discount but significantly reduces legal protections for you and your family. While out-of-pocket expenses like auto repairs, medical bills, and lost income are always recoverable, other recovery rights, such as suing for pain and suffering, are waived under limited tort unless there's a 'serious injury' like permanent disfigurement or disability.

Underinsured motorist coverage safeguards you against bodily injury when the at-fault driver lacks sufficient insurance to cover the damages they've caused. Uninsured motorist coverage protects you from bodily injury caused by drivers without any liability insurance. In Pennsylvania, these coverages are specifically for bodily injury protection.

Unstacked coverage provides uninsured and underinsured motorist protection for specified limits on a per person/per accident basis. Stacked coverage substantially increases these limits by multiplying the coverage for each insured vehicle under the policy. For instance, with two insured vehicles and stacked coverage, your $100,000/$300,000 limit would increase to $200,000/$600,000.

The NAIC number is a unique identifier assigned to insurance companies licensed to operate in Pennsylvania by the National Association of Insurance Commissioners. This number is typically found on most insurance cards, but not all. If you're unable to locate the code on your card, please contact our office for assistance.

Comprehensive coverage compensates for damage to your insured vehicle not caused by collision or upset, including incidents like fire, theft, glass breakage, vandalism, and contact with animals or falling objects. Collision coverage pays for repairs following a collision with another vehicle or object, including uninsured drivers or hit-and-run incidents. Both coverages involve a deductible, with lower deductibles resulting in higher premiums and vice versa.

Permanent life insurance offers lifelong coverage and accumulates cash value that can be utilized for emergencies or income through policy loans. Term life insurance provides protection for a specified period, such as 10, 20, or 30 years, without building cash value.

Yes, it's necessary to inform your agent about a wood stove installation. Your agent will need to conduct an inspection to ensure the wood stove meets the required safety guidelines for proper installation.