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Yes, Erie offers rental car insurance. If you already have a personal auto policy with Erie that includes liability, comprehensive, and collision coverage, this insurance will likely extend to cover your rental car. If you only have liability insurance with Erie, physical damage to the rental vehicle will not be covered.
You can talk to a Erie customer service representative at 1 (800) 458-0811 to see if your personal policy will extend to your rental car. If you do not have sufficient coverage through Erie to cover your rental car, you can purchase insurance from your rental car company, or see if it is offered by your credit card company.
Erie Rental Car Coverage
Liability Insurance. Erie liability insurance will usually extend to your rental as long as you are driving in the U.S. Your personal liability insurance will pay for others’ medical expenses and repairs to others’ property resulting from an accident you caused in your rental vehicle.
Collision and Comprehensive Insurance. If you have collision and comprehensive insurance with Erie, this will typically cover any damage that occurs to the rental vehicle itself during your rental period. However, your Erie collision and comprehensive coverage limits may not be high enough if you are renting a car with a much higher value than your personal vehicle and the car gets totaled.
Personal Injury Protection or MedPay. If you have personal injury protection (PIP) or MedPay through your personal auto policy, medical expenses for you and your passengers will be covered even after a rental car accident. If you do not have either type of coverage, you can purchase personal accident insurance through the rental car company.
Erie also offers rental car reimbursement coverage, which helps pay for the cost of a rental car while your personal vehicle is being repaired for a covered claim. If you add rental reimbursement to your policy, Erie will pay up to $450 per claim. Erie Insurance has six classes of rental coverage, each of which covers a different type of vehicle. For example, class one covers a sedan seating up to four people, while class six covers vehicles accessible to people with disabilities. There are additional coverage limitations and restrictions in North Carolina and Virginia.
To learn more, check out reviews of Erie on WalletHub, as well as our guide to rental car insurance.
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