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6 Things You Didn’t Know Your ERIE Auto Policy Could Cover


Please read below about the “xtras” in your Erie auto policy that you probably don’t know about. Call us to discuss your coverage needs or to schedule a client review. We are here to help!

The next time you look over your ERIE auto insurance policy, look for the “Xs” throughout the margins. These are all the “Xtra Protection Features” that are automatically included with your ERIE auto policy.


Here are just a few of the things you’re covered for (and always have been):

  1. Road Trip: Whether you’re headed across the state with the family or on a vacation across the country, ERIE has your back if something happens to your car and you find yourself stranded after a covered loss. If you have purchased comprehensive or collision coverage applicable to your loss, ERIE offers a reimbursement of up to $75 per passenger in the vehicle for travel expenses if you don’t reach your destination and aren’t close to home. This reimbursement limit will be increased to $150 if you add the ERIE Auto Plus endorsement to your policy.
  2. Paw Protection: ERIE cares about you—and your dogs and cats. If your pet is hurt in a covered accident while riding in your car, we’ll help cover the vet treatment costs by reimbursing you up to $500 per pet (up to two pets) for a maximum reimbursement limit of $1,000). That’s great news for Fido and Fluffy. Learn more about how to keep your furry loved ones safe in cars.
  3. Locked Out: Darn it! We all know the feeling you get the minute you see your car keys on the front seat and the car is locked. If you find yourself in this situation and purchased comprehensive coverage, ERIE will reimburse you up to $75 for the cost of locksmith services on your insured car. If you purchased Road Service coverage, ERIE will reimburse you for reasonable locksmith expenses.
  4. That New Car Smell: If you’re enjoying your new ride so much that you accidentally forgot to let your agent know about it, we get it. Just make sure to let us know within seven days of the purchase so that you have the proper coverage. (Learn more about how coverage works when buying a new car.)
  5. Someone Crashes Your Shopping Spree: Imagine you’ve just purchased a TV or finished a round of golf and then… BAM! Someone rear-ends your car, smashing everything in the trunk. Don’t worry. If you purchased collision coverage on your vehicle, ERIE gives you up to $350 toward your personal items not covered by other insurance. (And if you add the ERIE Auto Plus endorsement to your policy, you can increase this limit to $500.)
  6. Glass Repair: A single pebble flying through the air can cause more harm than you’d expect. From chips, nicks and cracks, it can be dangerous to drive around with a damaged windshield. If you’ve purchased comprehensive coverage, ERIE will waive the deductible for windshield repairs. (Add Full Window Glass to your coverage and ERIE will waive the deductible for both windshield repairs and replacements*.) Learn more about how to handle a windshield repair.


There’s just so much to know about insurance, but fortunately, you don’t have to know it all. That’s why you have your very own local ERIE agent who can walk you through the complicated stuff.

Has it been a while since you checked in? Contact our office to review your policy.  New to ERIE? Contact us for a quote

In New York, the collision deductible cannot be reduced below $100 and the comprehensive deductible cannot be reduced below $50.Your ERIE agent can offer you practical guidance and answer questions you may have before you buy. 

*In Kentucky, glass is considered safety equipment; under comprehensive coverage, no deductible applies for repair or replacement if only safety equipment is damaged (even if the loss is caused by collision).