| Auto Insurance
Haines Insurance Agency represents several auto insurance companies. We seek to insure the above average driver and we have very competitive rates to attract the best drivers. Please contact us about your auto insurance. We are sure we can save you money and provide you with better service at the same time! |
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ERIE's Pioneer Family Auto Insurance
Value
The ERIE’s founding purpose, “To provide its Policyholders with as near perfect protection, as near perfect service, as is humanly possible, and to do so at the lowest possible cost,” is as true now as it was when the company was founded in 1925. We are committed to keeping your auto rates as low as possible by keeping our overhead low and carefully evaluating all applicants. We further reduce your rates by offering numerous discounts, which include:
- Multi-Car Discount
- Age 55 or Over Discount
- Passive Restraints Discount
- Anti-Theft Devices Discount
- Anti-Lock Brakes Discount
- Multi-Policy Discount
(Not available in D.C.)
ERIE’s Customer Incentive Program guarantees your auto rates will not be surcharged under the following circumstances:
- First Accident Forgiveness Plan. The ERIC will not surcharge an auto policy written through our preferred plan in the event of a first “at-fault” accident. (Waiting period applies in certain states.)
- Feature 15. After an auto policy has been in continuous force for fifteen consecutive years with The ERIE, you never will be surcharged for an at-fault accident again.
Claims Service
We realize that each policy sold is a promise of service: a promise we’re prepared to keep. That’s why we use our own trained adjusters, whenever possible, insuring that your claim will be settled quickly and fairly by personnel who know our policy and understand our service philosophy. Our claims services include:
- Contact standards ensuring you’ll be promptly contacted after reporting a loss, in most cases that same day.
· After-hours business hours, on weekends and on holidays, by calling 1-800-367-3743.
- EIGlass Program, 1-800-552-ERIE, simplifying the auto glass repair and replacement process. The program is designed to speed the claims process, to offer 24-hour claims reporting service and to be flexible enough to let you decide who should repair or replace your windshield.
- Direct Repair Program allowing you to select your own body shop or one of numerous participating body shops. Participating body shops will directly bill The ERIE, less your deductible, as an added convenience to you.
It is because of this very commitment to the promise of service that The ERIE continually receives distinguished marks for service from independent consumer organizations. And it is what has earned The ERIE its long-standing reputation for providing fast, fair and courteous claims service.
Policy Coverages
The ERIE’s Pioneer Family Auto Insurance Policy offers a complete line of quality coverages to meet your auto insurance needs. The amount of coverage depends on limits of coverage you purchase.
Bodily Injury Liability: Covers your legal liability for bodily injury claims brought against you.
Property Damage Liability: Covers your legal liability for property damage claims brought against you.
Medical Payments: Covers the medical expenses for injuries sustained by you, resident relatives and other people in your auto as the result of an accident.*
Uninsured/Underinsured Motorists: Provides coverage when you are injured in an accident caused by another person who either has no insurance or does not have enough insurance to cover your damages. Some states require your underinsured motorist coverage to exceed the responsible party’s liability limits for the coverage to apply. Some states require that this coverage also include property damage.
Comprehensive: Pays for damage to your auto and its equipment not caused by collision or upset. (Referred to as “other than collision “ in VA.)
Collision: Pays for damage to your auto and its equipment caused by collision or upset.
*See specific coverages for each state:
Medical Expense in VA
Personal Injury Protection in DC, MD, and NY
First Party Benefits in PA
Xtra Features
Our Pioneer Family Auto Insurance Policy provides added protection to your family with over 30 Xtra Features!
Here are just a few of the Xtra Features you’ll find in our policy:
- The ERIE will pay up to $100 a day ($200 in VA) for incurred loss of earnings for your assistance in our investigation or defense of a claim or suit filed against you.
- The ERIE will pay up to $500 for the expense of bail bonds arising from an accident or related traffic violation.
- The ERIE will pay up to $1000 for loss to a non-owned trailer.
If the physical damage is purchased:
- The ERIE will waive your Comprehensive deductible when a damaged windshield is repaired rather than replaced.*
- The ERIE will pay up to $350 for loss to personal effects resulting from a covered loss while the personal effects are in or upon an auto we insure. (Theft losses are covered if the entire vehicle is stolen.)
- The ERIE will pay up to $50 for costs incurred for locksmith services if keys are accidentally locked in an auto we insure.
- The ERIE will waive the collision deductible in the event of an accident between two autos insured by The ERIE, or if the driver of an auto not insured by The ERIE is identified, solely liable and insured. Damage to the insured vehicle must be greater than the deductible.
*Additional premium required in New York.
Flexible for your needs
The Pioneer Family Auto Policy can be tailored, for an additional premium, to meet your individual needs.
- Transportation Expenses: Covers transportation expenses, including the cost of car rental, should your auto become disabled due to a collision loss (included in VA).
- Death and Disability Benefits: Provides death and/or disability benefits should you die or become disabled as a result of an auto accident.
- Road Service: Pays reasonable towing and required labor costs at the site of breakdown when your auto is disabled.
- Auto Lease/Loan Security Coverage: Provides additional protection in the event of a total loss to a covered auto. Coverage is provided for the difference between the actual cash value of the auto and the amount due under the terms of the lease/loan. (Coverage not available in NY.)
The ERIE Is Above All In Service
For all your insurance needs
Erie Insurance Group offers a broad range of services to meet family insurance needs, including a variety of home and tenant insurance policies and boat insurance. The ERIE also offers a variety of business insurance products to meet the needs of both small and large businesses. Erie Family Life Insurance Company offers a complete line of products to meet individual and business life insurance needs.
This brochure is not an insurance policy. The policy contains the specific details of the coverages, conditions, and exclusions. All coverages are not available in all states. Your ERIE Agent can offer you professional advice and answer any questions you may have before you buy.
Equal professional service
ERIE embraces the principle of “equal professional service,” which means that every applicant, Policyholder and claimant receives the high caliber service that is our hallmark. The ERIE does not tolerate unlawful discrimination, and we expect our Agents to adhere strictly to that nondiscriminatory philosophy as well. The ERIE assesses each risk on its own merits and relies on objective underwriting criteria designed to evaluate the nature and extent of each risk.
HAINES INSURANCE AGENCY
203 WEST MAIN STREET
P. O. BOX 636
RISING SUN, MD 21911
410-658-6330/800-554-2463
FAX 410-658-6369 | 
