Question: What Should I Do If an Accident or Loss Occurs?
Question: Am I Covered If I Borrow Someone Else's Car?
Question: What Are "Physical Damage Coverages"?
Question: If I Rent a Car, Will It Be Covered If I Damage It? Should I Purchase The "Collision Damage Waiver" From The Rental Company?
Question: If I Loan My Car To Someone Else, Is There Coverage?
Question: If I Rent a Truck Or Trailer To Move, Does My Auto Insurance Provide Any Coverage?
Question: What Is Provided By The Liability Coverage In My Policy?
Question: When Should I Add My Children To My Auto Policy?
Answers
What Should I Do If an Accident or Loss Occurs?
If you are involved in an accident or loss:
• Help any injured. Get names, addresses, and auto license plate numbers of those involved, including all witnesses.
• Do not discuss an accident with anyone except the police or our representative.
• Protect your auto and any property from further damage.
• Promptly call the police if someone is injured, damage is extensive, or in the case of theft. In the case of a "hit-and-run," you must report the accident to the police within 24 hours or as soon as possible.
• Notify your Agent of the accident or loss.
Am I Covered If I Borrow Someone Else's Car?
The ERIE will provide excess liability protection while you are using any auto or trailer not owned by you (except those furnished for use by any governmental agency or unit). Your ERIE policy will pay the amount for which you are liable for damage to other vehicles or property and injury to other persons that are not covered by the vehicle owner's insurance. Your operation or use of a non-owned auto or trailer must be with the permission of the owner, or you must reasonably believe you have permission. Covereage for damage to the vehicle itself is provided, if at least one of your cars on your ERIE policy has comprehensive and collision coverage. However, this coverage pays only for damage that is not covered by the vehicle owner's policy.
What Are "Physical Damage Coverages"?
Comprehensive and collsion coverages are the "Physical Damage Coverages." Under Comprehensive coverage, we will pay for damage to your car and its equipment not caused by collision. Comprehensive coverage includes glass breakage, contact with persons, animals, birds, missiles, or falling objects. Under Collision coverage, we will pay for damage to your car and its equipment cause by collision or upset.
If I Rent a Car, Will It Be Covered If I Damage It? Should I Purchase The "Collision Damage Waiver" From The Rental Company?
Generally, private passenger autos you rent (including motor homes, pick ups, and vans) are covered for damage your cause to them, if they are not covered by the rental agency's insurance. Coverage is available for up to 45 consecutive days. Coverage only applies if there is physical damage coverage on at least one vehicle on your policy. If you don't carry physical damage on your policy, we recommend you buy the rental company's "Collision Damage Waiver."
If I Loan My Car To Someone Else, Is There Coverage?
Generally, anyone to whom you give permission to driver your car is covered under The ERIE's policy. Relatives who live in your home are automatically covered while driving your car. Drivers specifically excluded on your policy, however, are not covered. The name of any excluded driver should appear on the covereage sheet (Declarations) of your policy.
If I Rent a Truck Or Trailer To Move, Does My Auto Insurance Provide Any Coverage?
Liability coverage for damage you do to other vehicles and property, or injuries you cause to other persons is the same as provided for a car. However, there is no coverage if the truck you rent has more than six wheels. This liability coverage also applies to a rented trailer.
What Is Provided By The Liability Coverage In My Policy?
Under your Liability Coverage, we agree to pay all sums you legally must pay as damages caused by an accident covered by the policy. The accident must arise out of the ownership, maintenance, use, loading, or unloading of an auto that The ERIE insures. The damages must involve bodiy injury, (physical harm, sickness or disease, including care, loss of services or resultant death) or property damage (including loss of the property use).
When Should I Add My Children To My Auto Policy?
Your children should be added to your policy as soon as they obtain their learner's permit.
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Paciotti Insurance
320 Main St
Dickson City, PA 18519
(570) 383-3030
