Frequently Asked Questions

Q. How do I add a driver onto my Personal Auto Insurance Policy?
A. Download an Additional Driver Questionnaire and have the prospective driver complete the form entirely and mail or fax to our office. Confirmation of the driver being added will come by a revised declaration page of your policy in the mail in about 5-7 business days. Erie reserves the right to refuse to insure any driver that does not meet it's underwriting guidelines.

Q. How do I add a YOUNG DRIVER onto my Personal Auto Insurance Policy?
A. It should be noted that young drivers in your household will be added to the policy effective the date he or she gets their driver's license, if they lived in the household when they obtained it. For more information on young drivers, please contact our office. We request that a young driver visit our office when it is time for them to begin driving. Contact us to make an appointment, and we will make your visit as quick as possible.
** It is also advisable to call us for a quote before purchasing a vehicle for a young driver. Cost for coverage can vary widely for different makes of vehicles.

Q. How do I add a new employee to my company's Auto Insurance Policy?
A. Download a Commercial Driver Questionnaire and have your new employee complete the form entirely and mail or fax to our office. Erie reserves the right to refuse to insure any driver that does not meet it's underwriting guidelines.

Q. How do I report a workers' compensation claim?
A. As soon as possible, call Erie Insurance 800-492-2709 for Maryland or 800-382-1304 for Pennsylvania or call IWIF 800-410-1400. For a full list of cotact numbers click here.

Q. How do I obtain a Certificate of Insurance for my Business Insurance?
A. Complete the Certificate of Insurance Request Form

Q. What should I do if an accident or loss occurs?
A. 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 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.
• Call 301-791-7910 between 8:30 and 5:00 or, if it's after hours, call 1-800-367-3743.

Q. If I rent a car, will it be covered if I damage it? Should I purchase the "collision damage waiver" from the rental company?
A. Generally, private passenger autos you rent (including motor homes, pick ups and vans) are covered for damage you 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."

Q. If I loan my car to someone else, is there coverage?
A. Generally, anyone to whom you give permission to drive your car is covered under 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 coverage sheet (Declarations) of your policy."

Q. If I rent a truck or trailer to move, does my auto insurance provide any coverage?
A. 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.

Q. When should I add my children to my auto policy?
A. Your children should be added to your policy as soon as they obtain their driver's license.

Have a question of your own? We'd love to hear it.