Quite a lot of questions are being delivered to the forefront throughout the coronavirus (COVID-19) disaster. And never surprisingly, inquiries about automobile insurance coverage are amongst them.
If I’m not driving, do I really want insurance coverage? What might occur to my automobile if I’m not driving it as usually? Will the price of my auto insurance coverage be impacted?
Excellent news: At ERIE, you get your very personal native insurance coverage agent who can assist reply any questions on your particular coverage. (Been some time? Schedule a fast cellphone name for a no-obligation protection checkup.) For the most recent information about how ERIE is responding to the pandemic, go to our COVID-19 Data Heart.
As for these different head-scratchers? Listed below are some stuff you might need questioned about your auto protection within the time of the COVID-19.
CAR INSURANCE AND CORONAVIRUS: WHAT YOU NEED TO KNOW
- I’m not driving. Ought to I cancel my coverage? Whereas it could be tempting, canceling your auto insurance coverage ‒ even when you’re not driving your car ‒ is rarely a good suggestion. It may well go away your automobile weak within the occasion of a fireplace, theft or different injury that could possibly be coated by complete insurance coverage. And a lapse in protection additionally might make insurance coverage costlier whenever you resolve to insure the car once more. Canceling your auto insurance coverage may additionally topic you to fines out of your state’s division of motor automobiles, and even be unlawful. For those who’re in search of methods to avoid wasting, contact your native ERIE agent to speak by way of your choices and study any out there reductions.
- Is ERIE providing reductions to auto insurance coverage prospects? To help our prospects throughout this difficult time, ERIE is offering $200 million in dividends (reduction funds in New York) on to our private and industrial auto insurance coverage prospects with insurance policies in drive as of April 1, 2020. This quick reduction represents about 30% of two months’ associated auto insurance coverage premiums. There’s no must name your ERIE agent or request a examine – eligible prospects had been despatched a examine in Could. (Questions? Ask your native agent.) Study extra about our buyer dividends, introduced April 21, 2020.
- Is ERIE decreasing charges for patrons, since individuals are driving much less? For long-term, regular and steady reduction, we’re decreasing auto insurance coverage charges for private and industrial prospects. Pending regulatory approval, fee reductions will differ by state and will likely be based mostly on individually bought insurance policies and protection choices. As soon as authorized, premium changes will take impact on the time of renewal and the estimated complete will present an extra $200 million in monetary reduction to ERIE prospects.Study extra about our fee reductions, introduced April 9, 2020.
- How can I hold my automobile in good condition once I’m not driving it? Batteries. Gas. Tires. There are a whole lot of issues it’s essential contemplate in case your car goes to remain parked for some time. Get fast ideas for secure automobile storage on this associated article.
- How can I keep socially distant if I’m in a automobile accident? Accidents occur… even when there’s a pandemic. Within the occasion you get in a automobile accident, keep calm and comply with CDC tips for social distancing as a lot as you’re in a position. U.S. Information & World Report suggests you do the next:
- Share info from a distance. Put paperwork like your driver’s license, insurance coverage info and registration in your car’s hood so the opposite driver can take a photograph of your info (and vice versa).
- Assume digital. Make sure to alternate contact info, together with electronic mail addresses, too.
- Take photographs. Take a whole lot of photographs that totally doc the scene of the accident. It’s possible you’ll find yourself submitting them to your insurance coverage firm because it’s doable that police might not come to the scene. (Many police departments are taking accident experiences by cellphone or on-line.)
- Will coronavirus affect my capacity to file a declare? Our dedication to resolve your declare rapidly and effectively by no means waivers. You may proceed to report claims by reaching out to your native ERIE agent or by calling us 24/7 at (800) 367-3743. Our claims groups are prepared to satisfy the wants of our prospects and claimants whereas taking steps to mitigate publicity to the coronavirus according to greatest practices offered by the Facilities for Illness Management and Prevention (CDC) to restrict in-person contact.
- I’m in a troublesome spot financially and might’t pay my invoice. What are my choices? Contact your native ERIE agent to allow them to know and focus on what’s greatest. Your native agent, in addition to ERIE’s Buyer Care staff, might be able to help with delaying cost dates, adjusting installments, altering pay plans or waiving penalties and charges. Some billing requests, together with deferring funds and nonpay cancellations, will also be requested by way of erieinsurance.com/assist or by way of your ERIE On-line Account.
- I’m not driving my automobile proper now. What ought to I find out about lending my automobile to mates or household? For those who personal a automobile, likelihood is you’ve let a pal or member of the family borrow it at the very least as soon as. However do you know that if there’s an accident, it’s your auto insurance coverage coverage that usually must pay? Ask your agent to elucidate how protection works whenever you lend your car, notably in case you have any excluded drivers in your coverage. (The flexibility to exclude drivers varies by state.) Learn extra concerning the professionals and cons of lending your automobile earlier than handing over the keys.
Being “Above all in Service” has pushed each resolution we’ve made as a enterprise since 1925 – and we nonetheless function that manner immediately. From starting to finish, you will have our dedication to the very best service and the very best safety on the lowest doable price. Discuss to an area agent in your neighborhood to see what makes us completely different.
