How does Erie handle claims involving uninsured/underinsured motorists? (2025)
You may wonder how Erie handles claims involving uninsured/underinsured motorists if you're considering Erie Insurance. Consider this coverage with your Erie full coverage policy for financial protection against uninsured motorists, averaging $10/mo. Find out how Erie handles uninsured motorist claims below.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Jun 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Erie offers uninsured and underinsured motorist protection (UM/UIM) to its policyholders
- This type of coverage, which you must get with an Erie full coverage insurance policy, applies when you get in a hit-and-run, or the at-fault driver has inadequate or no insurance
- Call Erie Insurance at 1-800-458-0811 to file an uninsured motorist claim with the company
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.
In your claim, include basic details like location, date, time, as much information about the at-fault driver as possible, and supporting documentation like photos of damages and injuries. It's also wise to acquire a police report when dealing with an uninsured motorist.
Justin Wright Licensed Insurance Agent
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.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
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:
Uninsured Motorist Insurance Average Rates by Provider| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $12 |
| American Family | $11 |
| Erie | $10 |
| Farmers | $13 |
| Geico | $10 |
| Liberty Mutual | $14 |
| Nationwide | $12 |
| Progressive | $13 |
| State Farm | $11 |
| Travelers | $12 |
| USAA | $9 |
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?
Frequently Asked Questions
What does Erie uninsured motorist coverage pay for?
Erie’s uninsured motorist coverage can cover medical expenses, funeral costs, lost wages, and more. In some states, it will also pay for vehicle damage.
What state has the highest rate of uninsured motorists?
The Insurance Information Institute notes Mississippi has the highest percentage of uninsured motorists, at 29.4%. Michigan, Tennessee, and New Mexico also have high rates.
Do most states mandate car insurance?
New Hampshire is the only state that doesn’t mandate auto insurance. However, drivers who don’t buy coverage must prove they can financially pay for car accident expenses.
Does Erie cover rebuilt titles?
Erie Insurance doesn’t cover rebuilt titles. Read more about affordable rebuilt title auto insurance.
Is Erie good at paying uninsured motorist claims?
Erie Insurance has an A+ from A.M. Best, a credit rating agency, indicating it has the financial ability to pay out claims.
Additionally, the company has a 0.57 complaint index score from the National Association of Insurance Commissioners, while the national average is 1.00. So, Erie receives fewer than average customer complaints.
With this information in mind, you can rest assured that Erie will pay out its uninsured motorist claims.
Does Erie do accident forgiveness?
Yes, you can get accident forgiveness with Erie. With the program, you won’t be charged higher rates after your first at-fault accident after you’ve been an Erie customer for three years.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.