Below is a list of some of our most frequently asked questions. Click on the question to expand the answer.

 

HOW LONG DO I HAVE PAST MY DUE DATE BEFORE MY POLICY GOES INTO CANCELLATION?

As a general rule insurance companies will give you a one day grace period, except at renewal time. **If you are concerned about making a payment on time please contact us before the payment is due so we can see if there are any options; or if you want to know about your exact company’s non-payment cancellation protocol please give us a call. ***NOTE*** Erie policies automatically renew.

DO YOU ACCEPT DEBIT OR CREDIT CARDS?

Yes, we do accept both, but the majority of our carriers only accept VISA or MASTERCARD.

IS MY UTILITY TRAILER COVERED AUTOMATICALLY FOR PHYSICAL DAMAGE IF I AM PULLING IT WITH MY COVERED AUTO?

No, the liability coverage extends from your vehicle but the physical damage coverage does not. The trailer must be specifically listed on your policy to be covered for physical damage.

WHAT IS UNDERINSURED AND UNINSURED COVERAGE?

Underinsured motorist coverage protects the Insured for losses when the responsible driver does not have enough insurance to pay for damages he causes. Uninsured motorist coverage protects the insured for losses caused by persons carrying no liability insurance. Depending on the state, Uninsured/Underinsured Motorists coverage protects the insured for Bodily Injury only or for Bodily Injury and Property Damage. Uninsured Motorists Property Damage coverage covers physical damage to the insured’s auto when struck by an uninsured driver.

WHAT IS THE DIFFERENCE BETWEEN WHOLE LIFE AND TERM LIFE?

1. Term life is a temporary life ins product to provide you with life insurance for a term of years ( 10 , 15 , 20 or 30 ) 2. Whole life is permanent ins that is designed to last you as long as premiums are paid unless you have a paid up feature on the policy.

WHAT IS CASH VALUE IN A LIFE INSURANCE POLICY?

Cash value is the cash that has accumulated in the life insurance policy that you can borrow against.

DURING A STORM, A TREE FROM MY NEIGHBOR'S YARD FELL AND DESTROYED MY OUTBUILDING AND FENCE. DOES MY HOMEOWNER'S POLICY PAY FOR THE DAMAGE OR DOES MY NEIGHBOR'S POLICY?

Generally, your own policy should cover the loss. The only way that your neighbor will be responsible is if your insurance company can prove your neighbor’s negligence.

IS THERE UNLIMITED COVERAGE FOR JEWELRY AND GUNS UNDER MY HOMEOWNERS POLICY?

Most homeowners policies will give you limited coverage for theft of jewelry and guns. You need to speak with your agent about your situation and how best to cover your needs.

WHAT'S THE DIFFERENCE BETWEEN ACTUAL CASH VALUE AND REPLACEMENT COST COVERAGE?

Actual cash value is defined as what you would pay for a similar item at today’s cost minus depreciation (the amount that is deducted based on the age and condition of the item) for damaged or stolen property at the time of the covered loss. Replacement cost coverage provides payment to replace the damaged or stolen property with a comparable replacement item at today’s cost.