Long Insurance Services of Kernersville, NC


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All posts by Duane Long

Customized Emergency Kits

5 Customized Emergency Kits to Weather Any Disaster

The Centers for Disease Control and Prevention reports that 48% of Americans do not have emergency kit supplies.

Building a basic emergency kit for evacuations or stay-at-home orders will help to keep your family safe. (Having the right homeowners insurance helps give you peace of mind, too.)

You might already know the basic 31 items that should be in every home emergency kit. But when it comes to survival kits, one size doesn’t fit all. Here are five different ways to personalize yours so you’re prepared for whatever weather flies your way.

EMERGENCY KIT FOR POWER OUTAGES

When the power goes out, immediate concerns involve food and safety. (Read more about how to manage a power outage.) If a power outage is two hours or less, don’t worry about losing your perishable foods; an unopened fridge will keep foods cold for about four hours. Here are some helpful things to have on hand:

  • Inexpensive Styrofoam coolers preserve food when packed with ice.
  • Digital quick-response thermometers check your foods’ internal temperatures to ensure they remained cold enough to consume.
  • Generators are especially essential if you live with someone who depends on electric-powered, life-sustaining equipment. (Read our list of 9 things to know if you have a backup generator.)
  • Flashlights provide safety by guiding you through a dark house and preventing fires from candles.

EMERGENCY KITS FOR WINTER STORMS

During a nasty winter storm, staying warm and safe take priority. Make sure you have these safety items:

  • Sand, rock salt or non-clumping cat litter make walkways and steps less slippery.
  • Warm coats, gloves, mittens, hats, boots, extra blankets and warm clothing are essential for all household members.
  • Fireplaces or wood- or coal-burning stoves provide necessary alternative heat. Pro tip: No matter which heating source you use, keep a smoke detector, a carbon monoxide detector and a fire extinguisher in the same room it’s in. Read more in our guide to safe home heating.

EMERGENCY KITS FOR HURRICANES AND FLOODS

Hurricanes and floods often mean evacuation. Have these additional items on hand so you’re ready to hit the road if needed:

  • Tools and supplies for securing your home.
  • Emergency blanket(s), extra clothing, hats, sturdy shoes and rain gear will help protect your family from extreme weather elements.
  • Insect repellent and sunscreen can come in handy if you are unable to be sheltered.
  • Map(s) of the area help you navigate out of the area, especially if cell service is unavailable.
  • Extra set of car keys and house keys can be used in case one set is lost while evacuating or if you and other household members split up.
  • Camera for photos of damage.

If you’re safe enough to weather the storm but under a hurricane or flood watch, here’s how to prepare.

  • Fill plastic bottles you have on-hand with clean water for drinking. Learn more about how to store drinking water during a natural disaster.
  • Fill bathtubs and sinks with water to keep your household running. Never drink or bathe young children in this sitting water because lead can leak from the glaze in bathtubs and sinks into water stored in them. Use this water to clean floors, do laundry and flush the toilet.
  • Fill your car with gas, in case you need to evacuate later.
  • Make sure your food and water are safe if flooding occurs. Flood water can be contaminated with waste or other contaminants that lead to illness. Discard food and beverage products and anything you use to eat and drink that have contacted flood water (even if it’s only a little bit), including canned goods, water bottles, plastic utensils and baby bottle nipples. The Red Cross says: “When in doubt, throw it out!”

EMERGENCY PREPARATION FOR TORNADOES

Tornadoes can form quickly. While your basic emergency kit covers your basic needs, it’s also important to take these major steps well in advance to stay protected:

  • Strengthen existing garage doors to improve the wind resistance, particularly double-wide garage doors.
  • Decide on a safe space within your home where everyone knows to meet when tornado watches or warnings appear. Basements are the best place to shelter. Your next safest option is the lowest lying level of a sound structure in a hallway or an area without windows. According to the American Red Cross, mobile homes are never safe during tornadoes. It is best to safely get to a sturdy shelter immediately.
  • Always wear a seatbelt if you must drive your car during a tornado and toward safety.

EMERGENCY KIT FOR WILDFIRES

In wildfire-prone areas, experts recommend having supplies to stay at home for up to two weeks. However, if you have to evacuate, it’s recommended to have three days’ worth of supplies on hand – so make sure it’s portable if authorities say you have to move now. Beyond your basic kits, here are some tips to prep for wildfires in the long term:

  • Portable air cleaners work best when run continuously with doors and windows closed.
  • Water sources outside your home, such as a small pond, cistern, well or swimming pool should be identified and maintained, so they can be easily accessed if needed to fight flames.
  • Gather tools like a rake, ax, hand saw or chain saw, bucket and shovel that you can use as fire tools before emergency responders arrive.
  • Regularly clean roofs and gutters. Dry, loose debris can spell trouble if sparks fly. See what else can happen if you don’t clean your gutters.
  • Keep a long garden hose that can reach all areas of your home and other structures on the property.
  • Install outdoor outlets on at least two sides of your home and near other structures on the property. Make sure they are freeze-proof exterior water outlets. In addition, you may want to install outlets 50 feet away from your home for more electricity accessibility.
  • Clearly mark your house number or address where fire vehicles need to enter your property.

PRINTABLE CHECKLIST FOR DISASTER PREPAREDNESS

Want a handy printable? Check out these PDF checklists from the American Red Cross for the following disasters: power outageswinter stormshurricanesfloodstornadoesand wildfires.

LOOKING AFTER YOU

Emergency situations can be stressful, but you can feel confident knowing you’re prepared with the right tools on hand. When you’re with ERIE, you can rest easy knowing that your local agent is here to provide a little kindness on even the most difficult day.

For more than 95 years, we’ve been committed to providing claims service that comes from actual people, with empathy, in real-time. Depending on the size of the storm or weather situation, ERIE will deploy our Catastrophe Team to the scene to help service our customers who have claims. A helping hand and friendly face are a phone call (or walk to the CAT van) away.

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Working from Home

8 Tips for Working from Home

Who doesn’t love getting a few extra minutes of shut-eye and the more casual dress code that comes along with working from home? Working remotely can be great – except when your dog decides he needs to go out, again. And has anyone else noticed how your neighbors seem to align their lawn mowing times to your conference call schedule?

Remote work has unique benefits and distractions, too. So how can you make working from home work for you?

We asked a few full-time remote ERIE employees for their top tips to a productive and balanced remote work lifestyle. ERIE family members who are veterans of remote work have a message for the newbies joining their ranks: You’ve got this.

CHOOSING YOUR WORKSPACE:

  • Choose a dedicated, private space. Kitchen tables were great for doing homework back in high school, but you might find having a designated space where you can tune out distractions will keep you more productive.“Definitely have a room where you can close a door or an area sectioned off for privacy. It will really help with minimizing distractions.” – Dustin Eckman, property adjuster, remote for two years

     

  • Let the light in. Natural light has been proven to brighten your mood and increase productivity. So if you’ve always wanted that corner office with the big window, now is your chance to make the office of your dreams a reality.“Work near a window. I have two that I look out of. I love the outdoors and it helps me to feel better to see outside.” – Kim Lane, senior underwriting support specialist, remote for four years

PREPPING YOUR DAY:

  • Develop a morning routine. While you may not need to style your hair or commit to a long commute, waking up a few minutes before you clock in may not lead to the most productive workday.

    “I always wake up early enough to get a start in my day. Eating breakfast, catching up on current events, but ultimately waking my mind up so I’m not so drowsy when I begin my work.” – 
    Cherrish Wynder, auto adjuster, remote for two years
  • Plan out your tasks and projects. Working from home can bring a lot of distractions, the worst of which is losing motivation to do work. Creating a to-do list of assignments the day before can help make your remote day seem more official and keep you on track with projects.“Plan your days in advance. It helps when distractions or other tasks arise. I plan so that I know what has to get done that day.” – Matt Ladd, property adjuster, Knoxville Claims Office, remote for four years

     

  • Dress with your day in mind. Another big benefit to working from home is being able to dress outside of the company dress code. No more sweating in a suit jacket on 90 degree days or shivering under the air conditioner vent.“If you don’t have to meet your customers or have a big meeting, don’t be afraid to spend the day in your comfy clothes. I’m always more productive when I’m comfortable.” – Rebecca Petrie, commercial liability claims specialist, Fort Wayne Claims Office, remote for 12 years

DEVELOPING YOUR #WFH GROOVE:

  • Try a snack hack. The refrigerator has never been so close or stocked with all your favorites. (Another bonus? When you work from home, you have a very short list of suspects if someone steals your lunch.) However, it’s important to establish healthy habits when your desk is so close to the family pantry.“I try not to keep food in my home office because it’s too easy to just turn in my chair and grab it. If I want a snack, I force myself to walk downstairs and get it. Movement … it’s a good thing!” – Jennifer Reed, subrogation supervisor, remote for 17 years

     

  • Connect with your co-workers. While you no longer pass by their cubicles every day, technology has made connecting with co-workers easier.“Connect with some of your co-workers every day via email, company communications or phone. I always turn my camera on for meetings. I feel more connected when I can see people versus a phone call. However you decide to connect, if you can’t hear someone on a conference call, let them know!” – Kelly Gierczynski, talent management consultant, remote for 18 years

     

  • Take screen breaks. You no longer have in-person meetings or co-workers stealing you away for a coffee. Screens can be harsh on the eyes, causing headaches or strained vision – which can lessen your productivity over time.“Find ways to step away from your desk. Make time to get up, stretch, do yoga, go for a walk, grab some fresh air or do a quick chore. In the end, it will help you better focus when you begin working again.” – Morgan Kimble, medical claims facilitation supervisor, remote for one year

FIND WORK-LIFE BALANCE AT ERIE

Whether you are transitioning to a permanent remote work lifestyle, or just a temporary fix… the secret to finding the right balance is finding a company that supports you and your work-life commitments. At ERIE, about 40 percent of our workforce utilizes our flexible work arrangements full-time.

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ERIE Agents Giving Back

ERIE Agents Giving Back

ERIE Agents Giving BackNo one could have predicted exactly how much our lives would be impacted by the COVID-19 pandemic.

Schools became virtual classrooms. Businesses started operating remotely. Curbside pickup became the only way to enjoy your favorite local restaurant. Even graduations and birthdays became drive-by celebrations.

It’s cliché, but it’s true: All that social distancing made us realize how much we rely on each other.

Enter “ERIE Agents Giving Back” – Erie Insurance’s effort to make more than $2 million available for local COVID-19 relief. This companywide effort launched on April 20, 2020 – the date of ERIE’s 95th anniversary – to give a boost to agents and employees already doing good work in their communities.

Through the project, agents fed frontline workers and first responders, supported local businesses and gave money to charities in need. Independent ERIE agents shared nearly 2,000 stories on Facebook, Twitter, Instagram and LinkedIn about how they were showing their support during these unprecedented times.

Here are just a few examples of agents giving back to their communities. Want to see highlights from your hometown? Search #ERIEAgentsGivingBack on Facebook, Twitter, Instagram and LinkedIn.

PIGGING OUT FOR A GOOD CAUSE

Michael Clavette, an ERIE agent from Clavette Insurance Agency Inc. in Wisconsin, decided to team up with a local restaurant, The Bosch Tavern. “We brainstormed quite a bit as to how to best leverage ERIE Agents Giving Back,” Clavette said. “Rather than handing out meals or $1,000 in gift cards, we took a different approach.” The agency purchased 1,000 pounds of pork to make pulled pork sandwiches. Then, the Bosch Tavern hosted a drive-thru fundraiser where all proceeds and tips from the pork sandwiches benefitted the local Hunger Task Force in Milwaukee, Wisconsin.

The creative project supported both a local business and the community. Together, they were able to turn $1,000 into a $5,695 donation to help community members in need. “It was really important for us to get extra food to those who really needed it,” Clavette said.

THINKING OUTSIDE THE BOX

The John Hansen Agency in Pennsylvania wanted to find a way to get supplies to senior citizens who were fearful of traveling to the grocery store. Staff member Sandi Summers volunteered to host a Blessing Box at the end of her driveway.

Once constructed, the agency stocked the box with fresh foods, perishable items and household essential items. Seniors could visit the box during the day, Monday through Friday. At the end of each day, Summers would remove the items, clean the box, sanitize and get ready for the next day.

When it started in the middle of April, the intention was to help senior citizens. With additional support from the community, the Blessing Box remains in operation today open to the general public. “I’m really proud of how the entire community has rallied around the box,” Summers said. “I’m so glad that ERIE gave us the opportunity to start the Blessing Box, and I’m delighted to still be receiving donations from community members to keep it going.”

DOING THE RIGHT THING FOR MORE THAN 95 YEARS

The Hunger Task Force and Blessing Box projects are just two of the countless ways ERIE and its independent agents are giving back to local communities. Follow #ERIEAgentsGivingBack on social media or read more on our Eriesense blog.

At ERIE, “Above All in Service” isn’t just our company motto. It’s the spirit that drives every decision we make. That’s why we partner with the best local, independent agents in the business – because they know and love your local communities just as much as you do.

The “ERIE Agents Giving Back” project might have wrapped up, but our commitment to the Golden Rule never ends. See all the ways ERIE is supporting our customers and communities during these challenging times.

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Car Sense

How to Plan a Road Trip Vacation

2020 has been full of winding roads, and the year is only halfway done. Now that summer is officially in full swing, many families are preparing for some rest and relaxation. But with travel restrictions, social distancing and other COVID-19 mandates in place, many vacations look different than originally planned.

For many families, that may mean loading up the car and staying closer to home.

Check out our tips for how to pack smart, plan a route and, most importantly, how to prepare for any mishaps that might come your way.

PACK SMART

  • Use a checklist. We all hate the feeling of forgetting to pack something. To avoid leaving any essentials at home, create a list a few weeks before you leave — and add to it as you think of new items. Then, pull out the list as you start packing and check off items as you go.
  • Make extra space. Avoid the temptation to fill your vehicle up to the roof. This obstructs the view from your rearview mirror and severely limits your visibility. Instead, consider a rooftop cargo box or hitch-mounted cargo carrier to create extra storage space.
  • Keep pets safe. Is the family dog headed to the beach with you? Use a pet carrier or harness device to keep him safe for the ride. If your pet is hurt in a covered accident while riding in your car, ERIE will help cover the vet treatment costs by reimbursing you up to $500 per pet (up to two pets) for a maximum reimbursement limit of $1,000).But why ruin a getaway with trips to the vet? It’s better to learn how you can keep pets safe in the car right off the bat. Oh, and don’t forget to pack a portable water bowl and some extra food for rest stops.

KNOW YOUR ROUTE

  • Use your GPS. Before you leave home, enter all of your destinations into your vehicle’s GPS system or a mobile navigation app. This will give you real-time updates on travel time and save you from searching for addresses at the last minute.
  • Plan for traffic. Construction delays can strike anytime, anywhere in the summer. And driving through a major city during rush hour could add hours to your itinerary. Know where congestion is possible and plan to travel during off-peak hours. Mobile navigation apps like Google Maps or Waze can also help by predicting traffic time and suggesting alternate routes if you get stuck.
  • Bring an atlas. Even though you haven’t used one in ages, keeping a road atlas in the car is always a good idea. With an old-school paper map, you don’t have to worry about losing your GPS signal or running out of battery. And if you have kids, they may get a kick out of tracking your travels.
  • Skip the toll booth. If you’ll be traveling on the turnpike, consider ordering an electronic transponder like E-ZPass. Using an electronic toll system allows you to skip the cash lines and pay lower fares. Already have a toll pass? Make sure your credit card information is up-to-date so you can reload your device when it runs low.

PREPARE YOUR VEHICLE

  • Schedule a multi-point inspection. This type of inspection, usually done at a dealership or independent auto shop, is a great way to get a snapshot of your vehicle’s overall condition. A trained mechanic can let you know of any maintenance issues to fix before they get worse (or more expensive).
  • Check your tires. Before you leave home, inspect the condition of your tires and inflate them to the pressure recommended by your vehicle’s manufacturer. If your tires are low on tread, replace them before you hit the road. You can check by using “the penny test.” Just insert a penny upside down into a tread groove. If you can see the top of Lincoln’s head, it’s time for new tires.
  • Change your oil. Road trips can rack up the miles on your car in the span of just a few days. Look ahead to preventative maintenance, like oil changes, that may come due while you’re traveling. Taking care of it before you leave is not only good for your car — it’s good for peace-of-mind, too.
  • Top off fluids. Don’t wait until your windshield is covered with bugs to find out your washer fluid is empty. Before your road trip, check all of your vehicle’s fluid levels. That includes windshield washer fluid, antifreeze, brake fluid, oil and power steering fluid. Top them all off as needed.

BE READY FOR ANYTHING

TAKE A BREAK

  • Make regular stops. While eliminating stops can help you get to your destination sooner, it’s not the most enjoyable way to travel. Stopping to take a short break every few hours will give everyone a chance to stretch their legs, and can help you stay more alert behind the wheel.
  • Pack healthy snacks. Chips, chocolate and soda. Every kid’s dream meal. To avoid the sugar highs after every rest stop and gas fill-up, pack a small cooler filled with bottled water, cereal bars, fruits and vegetables. Avoid salty foods or sugary drinks that may actually make you thirsty, or heavy foods that can make you tired.
  • Find ways to pass the time. “How much longer?” “Are we there yet?” “I’m bored!” If you’re traveling with children, check out these four brilliant ways to keep kids occupied on road trips.

PROTECT WHAT MATTERS MOST

When it comes to packing for your road trip, we know the people you travel with are your most important cargo. That’s why we’re here — to help you make sure they’re protected.

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Digital Estate Planning

Digital Estate Planning

What Happens to Online Logins After You’re Gone?

Update: Talk to your local agent to request a contact-free life insurance quote. For a limited time, we are waiving the requirement of a paramedical exam in light of CDC guidance to maintain social distancing and prevent the spread of COVID-19.

Thanks to the wonders of the internet, you can do just about anything online these days. Whether it’s watching a movie, checking your bank account balance, shopping for clothes or ordering pizza, each activity likely requires a username and password.

Studies have shown the average American internet user has 150 online accounts that require a login. That’s a lot of passwords to manage on a day-to-day basis. But have you ever wondered what happens to your accounts and logins after you’re gone?

As our digital footprints expand with each passing year, experts now recommend taking steps to manage your online accounts as part of the estate planning process. Like preparing a will, buying a life insurance policy or choosing an executor, a little bit of planning can make life much easier for those managing your estate when you pass.

Here are four ways you can plan ahead to make deactivating your online accounts quick and easy:

1. Create an inventory of your accounts.
To delete online accounts after your death, it’s important to know which digital logins existed in the first place. That’s why it’s helpful to make a complete inventory of your online accounts and the login information for each. Be sure to list every account you can think of, including:

  • Bank accounts
  • Credit cards
  • Retirement and savings plans
  • Social media profiles
  • Shopping sites
  • Insurance policies
  • Bills and utilities
  • Subscription services

For each account, include the website address, username, password, account numbers and answers to security questions. You may want to consider using a password manager to keep everything in one secure place.

2. Name a digital executor.
Similarly to an estate executor who manages your last will and testament, a digital executor can be named to take charge of your digital assets. Once assigned, the digital executor can be responsible for:

  • Archiving any files, photos, video or other content you’ve created
  • Deleting files and erasing hard drives
  • Maintaining certain online accounts while closing others
  • Transferring accounts to your heirs
  • Notifying online outlets of your death
  • Canceling recurring payments

Many states will allow you to legally name a digital executor in your will but since the need for managing online assets is fairly new, some states don’t recognize this role yet. Check with your estate attorney to learn the regulations in your state.

3. Understand each provider’s terms of service.
For every online account you create, you must agree to the provider’s terms of service. If you’re like most people, you probably scrolled to the bottom of the page to click “I agree” without reading the fine print.

But in the terms of service, there’s often language addressing how accounts are disabled in the event of a user’s death. Facebook, for instance, provides an option where a deceased person’s profile can be turned into a memorialized account. Commerce platforms like Amazon and PayPal require an executor to contact the company directly to deactivate an account. Understanding the policies of each account can help in providing instructions for your digital executor.

4. Delete unnecessary accounts. After creating an inventory of your online accounts, get a head start on cleaning up your digital presence by deleting accounts you no longer need. Having fewer active profiles will make life easier for your digital executor while also helping to protect you from the possibility of identity theft. And it will save you the embarrassment of someone finding those old Myspace photos.

PLAN FOR THE FUTURE

Like writing your will, the choices you make now about life insurance will ultimately speak on your behalf in representing your intentions for loved ones and family. As guardians of that legacy, Erie Insurance can help you make choices that will be true to your values.

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Corona Virus

8 Questions About Coronavirus and Auto Insurance

Corona VirusA lot of questions are being brought to the forefront during the coronavirus (COVID-19) crisis. And not surprisingly, inquiries about car insurance are among them.

If I’m not driving, do I really need insurance? What could happen to my car if I’m not driving it as often? Will the cost of my auto insurance be impacted?

Good news: At ERIE, you get your very own local insurance agent who can help answer any questions about your specific policy. (Been a while? Schedule a quick phone call for a no-obligation coverage checkup.) For the latest news about how ERIE is responding to the pandemic, visit our COVID-19 Information Center.

As for those other head-scratchers? Here are some things you might have wondered about your auto coverage in the time of the COVID-19.

CAR INSURANCE AND CORONAVIRUS: WHAT YOU NEED TO KNOW

  1. I’m not driving. Should I cancel my policy? While it may be tempting, canceling your auto insurance ‒ even if you’re not driving your vehicle ‒ is never a good idea. It can leave your car vulnerable in the event of a fire, theft or other damage that could be covered by comprehensive insurance. And a lapse in coverage also may make insurance more expensive when you decide to insure the vehicle again. Canceling your auto insurance might also subject you to fines from your state’s department of motor vehicles, or even be illegal. If you’re looking for ways to save, contact your local ERIE agent to talk through your options and learn about any available discounts.
  2. Is ERIE offering discounts to auto insurance customers?  To support our customers during this challenging time, ERIE is providing $200 million in dividends (relief payments in New York) directly to our personal and commercial auto insurance customers with policies in force as of April 1, 2020. This immediate relief represents about 30% of two months’ related auto insurance premiums. There’s no need to call your ERIE agent or request a check – eligible customers were sent a check in May. (Questions? Ask your local agent.) Learn more about our customer dividends, announced April 21, 2020.
  3. Is ERIE lowering rates for customers, since people are driving less? For long-term, steady and stable relief, we’re lowering auto insurance rates for personal and commercial customers. Pending regulatory approval, rate reductions will vary by state and will be based on individually purchased policies and coverage options. Once approved, premium adjustments will take effect at the time of renewal and the estimated total will provide an additional $200 million in financial relief to ERIE customers.Learn more about our rate reductions, announced April 9, 2020.
  4. How can I keep my car in good shape when I’m not driving it? Batteries. Fuel. Tires. There are a lot of things you need to consider if your vehicle is going to stay parked for a while. Get quick tips for safe car storage in this related article.
  5. How can I stay socially distant if I’m in a car accident? Accidents happen… even when there’s a pandemic. In the event you get in a car accident, stay calm and follow CDC guidelines for social distancing as much as you’re able. U.S. News & World Report suggests you do the following:
    • Share information from a distance. Put documents like your driver’s license, insurance information and registration on your vehicle’s hood so the other driver can take a photo of your information (and vice versa).
    • Think digital. Be sure to exchange contact information, including email addresses, too.
    • Take photos. Take a lot of photos that thoroughly document the scene of the accident. You may end up submitting them to your insurance company since it’s possible that police may not come to the scene. (Many police departments are taking accident reports by phone or online.)
  6. Will coronavirus impact my ability to file a claim? Our commitment to resolve your claim quickly and efficiently never waivers. You can continue to report claims by reaching out to your local ERIE agent or by calling us 24/7 at (800) 367-3743. Our claims teams are ready to meet the needs of our customers and claimants while taking steps to mitigate exposure to the coronavirus in line with best practices provided by the Centers for Disease Control and Prevention (CDC) to limit in-person contact.
  7. I’m in a tough spot financially and can’t pay my bill. What are my options? Contact your local ERIE agent to let them know and discuss what’s best. Your local agent, as well as ERIE’s Customer Care team, may be able to assist with delaying payment dates, adjusting installments, changing pay plans or waiving penalties and fees. Some billing requests, including deferring payments and nonpay cancellations, can also be requested through erieinsurance.com/help or through your ERIE Online Account.
  8. I’m not driving my car right now. What should I know about lending my car to friends or family? If you own a car, chances are you’ve let a friend or family member borrow it at least once. But did you know that if there’s an accident, it’s your auto insurance policy that typically would have to pay? Ask your agent to explain how coverage works when you lend your vehicle, particularly if you have any excluded drivers on your policy. (The ability to exclude drivers varies by state.) Read more about the pros and cons of lending your car before handing over the keys.

Being “Above all in Service” has driven every decision we’ve made as a business since 1925 – and we still operate that way today.

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