Yes, Erie Insurance typically provides coverage for rental cars, but it's not automatic or universal. The extent of your coverage depends entirely on the specific terms of your personal auto policy. Generally, if you have comprehensive and collision coverage on your personal vehicle, that protection often extends to a rental car, but usually only for physical damage. Your liability coverage, which is required by law, should also apply when you're driving a rental.
The key factor is the "loss of use" clause. If the rental car is damaged and needs repairs, the rental company loses income because it can't rent that vehicle. Some Erie policies may cover this loss of use, while others might not, leaving you responsible for these fees. It's also crucial to understand the difference between "primary" and "secondary" coverage. Your Erie policy is likely primary, meaning it pays first. However, if you use a credit card that offers rental car insurance, that coverage is usually secondary, kicking in only after your personal auto insurance has been exhausted.
Always call your Erie agent before you travel. They can confirm exactly what your policy includes. Ask specifically about loss of use, administrative fees, and whether the coverage is primary. For a short rental period, your Erie coverage might be sufficient. For longer trips or if you're uncomfortable with your policy's deductibles, considering the rental company's supplemental liability insurance or a collision damage waiver (CDW) could be a wise precaution.
| Coverage Type on Your Personal Policy | Typically Extends to Rental Car? | Key Considerations |
|---|
| Bodily Injury & Property Damage Liability | Yes | This is your mandatory coverage for damage/injury you cause to others. |
| Comprehensive & Collision | Usually | Covers damage to the rental car itself, but you're still responsible for your policy's deductible. |
| Loss of Use / Loss of Income | Varies by Policy | May or may not cover the rental company's lost income while the car is being repaired. |
| Personal Effects Coverage | Usually | Covers items stolen from the rental car, but often has low limits. |
| Medical Payments / PIP | Yes | Covers medical expenses for you and your passengers after an accident. |
