The following are brief descriptions of various coverages, which vary by state. Contact an Erie Insurance Agent to learn more about the different options that may be available for you.
Bodily Injury covers your legal liability for bodily injuries to other individuals as the result of an accident for which you are responsible. Some examples of the losses covered are medical expenses, lost wages, and pain and suffering.
Collision covers the damages to your auto as the result of an accident. Some examples of the losses covered include hitting another vehicle, hitting a pole, or rolling the car over. This coverage requires you to choose a deductible. A deductible is the amount of money that you are responsible for paying towards a claim.
Comprehensive covers damages to your auto that do not result from a collision. Some examples of the losses covered include vandalism, theft, hail damage, and broken glass. This coverage requires you to choose a deductible. A deductible is the amount of money that you are responsible for paying towards a claim.
Income Loss is a coverage that reimburses you for loss of gross income due to an injury sustained in an accident.
First Party Medical Benefits covers the medical expenses sustained by you, or others in your auto, as the result of an accident. Some examples of this may include hospital, ambulance, and pharmacy expenses.
Medical Payments covers your medical and funeral expenses as the result of an accident. Some examples of this may include hospital, ambulance, and pharmacy expenses.
Optional Basic Economic Loss is a coverage that will pay certain expenses above your basic level of Personal Injury Protection and only after the basic level of Personal Injury Protection limits have been exhausted. Some examples of this may include lost wages, hospital fees, and pharmacy expenses.
Personal Injury Protection covers the medical and funeral expenses sustained by you, or others in your auto, as the result of an accident. Some examples of this may include lost wages, hospital fees, and pharmacy expenses.
Property Damage covers your legal liability for damages to the property of others as the result of an accident for which you are responsible. Some examples of the losses covered include auto repairs, replacement, and loss of use.
Tort coverage comes in two options:
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Limited Tort allows you to recover all medical and other out-of-pocket expenses for an accident, but not for pain and suffering unless the injuries are defined as serious.
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Full Tort allows you and other household members covered to retain the unrestricted right to recover all medical and other out-of-pocket expenses as well as financial compensation for pain and suffering.
Statutory Uninsured Motorist Bodily Injury covers the medical and funeral expenses sustained by you, or others in your auto, as the result of an accident caused by a hit-and-run driver or an individual without insurance. Some examples of this may include pain and suffering, ambulance fees, and pharmacy expenses.
Underinsured Motorist Bodily Injury covers the medical and funeral expenses sustained by you, or others in your auto, as the result of an accident caused by an individual with insufficient insurance. If the at-fault party is underinsured, this coverage generally covers the difference between what the other party’s insurance covers and what your insurance covers. Some examples of this may include pain and suffering, ambulance fees, and pharmacy expenses.
Underinsured Motorist Property Damage covers the damages to your auto as the result of an accident caused by an individual with insufficient insurance. If the at-fault party is underinsured, this coverage generally covers the difference between what the other party’s insurance covers and what your insurance covers.
Uninsured Motorist Bodily Injury covers the medical and funeral expenses sustained by you, or others in your auto, as the result of an accident caused by a hit-and-run driver or an individual without insurance. Some examples of this may include pain and suffering, ambulance fees, and pharmacy expenses.
Uninsured Motorist Property Damage covers the damages to your auto as the result of an accident caused by a hit-and-run driver or an individual without insurance. If this occurs, Uninsured Motorist Property Damage coverage is primary over your collision coverage.
Not all auto policies are created equal. 
