Understanding Your Auto Policy

Winston-Salem, NC 1/1/2009

Auto insurance isn’t rocket science, but it can be confusing. Here are simple definitions for six types of coverage within an ERIE auto insurance policy:
  • Bodily injury liability: Covers your legal fees, court costs and compensation due to bodily injury claims brought against you.
  • Medical payments: Covers the medical expenses for injuries sustained by you, resident relatives and other people in your auto as the result of an accident. (Auto insurance coverage varies by state.)
  • Property damage liability: Covers your legal liability for property damage claims brought against you.
  • Collision: Coverage that pays for damage to your auto and its equipment caused by collision or upset.
  • Comprehensive: Coverage that pays for damage to your auto and its equipment not caused by collision or upset. This includes, but is not limited to, damage from fire, theft, glass breakage, vandalism and damage resulting from contact with persons, animals, birds or falling objects.
  • Uninsured and underinsured motorist coverage: Provides coverage when you are injured in an accident caused by another person who either has no auto insurance or who has insurance limits that are insufficient to cover your damages. Some states require that this coverage also include property damage.

 

Call our office at (336)794-2819 anytime you have questions about your coverage. We’re here to help.

 

ISU Wilson Insurance - Our Knowledge is Your Best Assurance™.

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What Our Customers Say!

"I wanted to let you know what outstanding customer service I experienced today. Jennifer Wakefield contacted me because she had been notified  that I purchased a new car and had not yet reported it on my auto policy.  At the time I purchased the car, the dealership assured me they would be contacting your agency to make the switch and to verify that I had certain levels of coverage.  Imagine my dismay to learn that five weeks had gone by, and this call had not been made!  Jennifer took care of all the loose ends for me and was very kind and responsive throughout all of our communications.

I have had Home, Auto and Umbrella Liabilty coverage through your agency for four years.  Every time I contact your staff,  I am blown away by how helpful and kind everyone is, and how consistent your service remains, regardless of who I am speaking with.  You have a fantastic team of employees.   Keep up the great work!"

Meghan Claffey Cline, MHS - Nutritional Interventionist, Wake Forest University

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