How does Erie handle claims involving uninsured/underinsured motorists? (2026)

You might wonder how Erie handles claims involving uninsured/underinsured motorists if you’re considering a policy with the company. If you have the right type of auto insurance coverage — which is Erie uninsured motorist coverage — Erie will handle your claim if you get hit by an uninsured motorist.

Below, we’ll explain more about affordable uninsured or underinsured auto insurance coverage with Erie, including how Erie handles uninsured motorist claims and the difference between uninsured and underinsured motorists. (For more information, read our “What documentation do I need to file an auto insurance claim with Erie?“).

How Erie Handles Claims Involving Uninsured and Underinsured Motorists

So, what happens if you hit an uninsured driver and you’re not at fault? How does Erie handle these situations? If you have uninsured and underinsured motorist protection with Erie, you should proceed with filing a claim as you would for any other type of incident. Read more about how to file an auto insurance claim with Erie.

You can call 1-800-458-0811 to file your Erie auto accident claim.

During claim processing, Erie may investigate to confirm the fault, but if the situation is clear, your claim should finalize without issues. However, you should learn what happens if the other driver disputes who is at fault. 

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Types of Uninsured and Underinsured Motorist Coverage With Erie

Erie offers three main types of coverage that protect you financially in these situations: 

• Uninsured/underinsured motorist property damage: This compensates you for vehicle repairs or a replacement car when the at-fault driver has insufficient insurance coverage or none at all. It’s important to note this coverage with Erie is not available in every state. In those states, collision coverage can pay for damage caused by uninsured and underinsured drivers. 
• Uninsured motorist bodily injury protection: Compensates you for injuries you and your passengers sustain when an uninsured driver is at fault. Coverage also applies if you are the victim of a hit-and-run accident. It covers medical expenses, lost wages, and pain and suffering — and it’s mandatory in some states. 
• Underinsured motorist bodily injury protection: Compensates for the injuries you and your passengers sustain when the at-fault driver’s insurance isn’t enough to cover the full cost of medical expenses. It covers the remainder after the at-fault driver’s insurance covers its portion. 

You often need uninsured or underinsured coverage for medical expenses if your health insurance has a big deductible. You must have full coverage to get uninsured motorist coverage with Erie. Read more about how to get affordable full coverage auto insurance.

Take a look at the table below to see how much you might pay for uninsured motorist coverage with Erie insurance and other competitors:

You should also consider Erie accident forgiveness, which doesn’t raise rates for your first accident.

Read more:

• How does the auto insurance claims process differ for uninsured/underinsured motorist coverage with Allstate?
• How does Liberty Mutual handle claims involving hit-and-run accidents?

The Difference Between Uninsured and Underinsured Motorists

Uninsured and underinsured drivers either have no liability insurance or don’t have enough of it. Drivers who don’t secure enough liability auto insurance coverage leave their fellow drivers vulnerable.

Erie Insurance liabiltiy coverage covers expenses for a not-at-fault driver on behalf of the at-fault driver. If a driver collides with you and they don’t have liability insurance, they are considered an uninsured motorist. These drivers are also breaking the law by driving uninsured. 

How much auto insurance coverage do I need? Most state auto insurance requirements include liability, but these limits are generally low amounts that won’t cover all expenses. If a driver doesn’t have enough liability insurance to cover costs, they’re considered an underinsured motorist. So, insert your ZIP code below to find cheap Erie liability insurance quotes now.

More Thoughts on Erie Insurance Claims Involving Uninsured and Underinsured Motorists

Erie insurance will handle your uninsured motorist claim if you get hit by a driver with inadequate or no insurance. You should contact Erie Auto Insurance at 1-800-458-0811 to file an uninsured/underinsured motorist claim with the company.

However, this is an add-on policy that costs more, so check with Erie to see if you have the coverage. You should also consider Erie accident forgiveness, which forgives you for your first at-fault accident by not raising your rates. Erie may also offer discounts or incentives for safe driving, so check with a representative.

Readmore: How do I file an auto insurance claim with Erie?