Erie Insurance

Erie insurance protects the insured driver against damages resulting from accidents involving the vehicle. There are many different types of Erie auto insurance coverages available-it's simply a matter of finding the right coverage for you. While you don't want to pay extra for unnecessary add-ons, you definitely do not want to be caught with less than adequate coverage. If you do not choose enough coverage and an accident occurs, you could end up having to pay out of pocket for damages that exceed your current coverage amount. If this happens and you find that you cannot afford to pay, you could get sued by the other parties involved (if the accident is your fault) and/or your credit could be damaged beyond repair.

There are two major types of additional Erie insurance that may be purchased by drivers--comprehensive and collision. Collision auto insurance coverage covers any damages to the vehicle that may result from the following:

• A collision with another car.
• An accident that involves hitting an object such as a building, telephone pole, or street sign.
• Hitting a parked car.

Collision auto insurance is not required by law, but it is required if you have a loan or lease. Collision pays to fix your vehicle less the deductible you choose.

Comprehensive auto insurance coverage covers the policyholder in case of accidents that are not caused by collision. Comprehensive auto insurance typically covers losses and damages caused by unfortunate events such as vandalism, fire, hail, flood, earthquake, theft, falling objects, riots, and animals. Comprehensive auto insurance pays to fix your vehicle less the deductible you choose. Comprehensive auto insurance is also required if you have a loan or lease, but it is not required by law.

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