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Auto Insurance

Erie Mutual offers our professional advice to help you better understand a confusing auto insurance policy. We realize you can’t make informed decisions if you don’t know what the terms even mean. Let us take the time to explain the coverage, the options available to you and what you should expect if anything happens. Rest assured, our claims team will take great care of you if and when you need us.

We also understand the importance of your vehicle for both work and pleasure use. Your coverage and the safety of your family are a priority for our team. Explain to us what your vehicle is used for and how often, what type of occupation you’re in, where or how you vacation. Your auto policy limits and coverage need to fit your lifestyle requirements, we can do that.

Contact a Sales Representative to Get Started

Toll-Free: 1 800 263 6484

Learn More About What Areas We Cover

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Private Passenger Vehicles

What year and type of vehicle you drive have a big impact on your insurance.Most everyday private passenger vehicles are used for personal travel, completing errands or commuting to work. Although these vehicles are rated according to use, we can offer the discounts you qualify for to reduce your overall premium and save you some money.

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Coverage includes motorcycles, motor scooters, and mopeds and is available for a wide range of qualifying bikes. Our coverage is intended to supplement existing Erie Mutual policies, we can make your insurance experience easier having everything covered by one company.

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Insurance coverage is available for your recreational vehicle when used for personal travel, we want you to know you’re insured properly and fully enjoy your family vacation.

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Maintaining adequate insurance on your all terrain vehicles will allow you to explore without limits, travel the trails with friends and family knowing you’re covered. Theft of ATVs are always a concern, let’s get you covered in case you’re a victim.

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Winter will be a joy, your insurance coverage can ensure your protection extends beyond the limit of your property to the fields and trails of our greater north, it’s worth the trip.

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Trailers for personal use can include a variety of purpose, including travel/tent trailers and utility trailers for everyday use. If we insure your towing vehicle, let’s add coverage for the trailer so that you can hook up and go when adventure calls.

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Antique and Classic Vehicles

Classic vehicles over twenty-year-old and antiques with limited use can be fully insured to enjoy from the moment you back out your driveway. One last shine put the roof down and you’re ready to enjoy the summer weather.

Finding the Right Insurance Solution for You



Increased Accident Benefits, Protection Plus for accident forgiveness, and rental coverage for transportation replacement when needed.



Physical damage coverage for your vehicle with collision and/or comprehensive protection.



Liability coverage only to protect you against third party property damage or bodily injury.


Liability Coverage
Physical Damage
Accident Forgiveness
Increased AB Options
Rec – Recommended
Bas – Basic
Min – Minimum
* – Some

Frequently Asked Questions

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Gary Pinelli

Account Executive

There’s a misconception by most people that the insurance company will rip them off when a vehicle is a total loss, we want you to know that’s not true. Erie Mutual hires an independent auto appraiser who assesses the damage to your vehicle. The appraiser researches based on the current market value of your vehicle and provides us with a value for your automobile. If you do not agree with that value you have the right to hire your own independent appraiser. Your satisfaction with a fair and prompt settlement is important to us.

We know that auto accidents can sometimes result in mild to severe injury. If you are involved in an auto accident you can collect “Accident Benefits” from your own auto insurance company. These benefits include but are not limited to an Income Replacement Benefit, Medical Benefits including massage, chiropractor and physiotherapy treatment, prescriptions and in some cases Attendant Care coverage. On June 1, 2016, the government changed the limits available to you. You should speak with a professional insurance advisor to ensure you carry appropriate coverage and limits. Let us explain why you need to increase your limits, it’s more important than you realize.

Don’t panic if you’re in an auto accident, it happens. Ensuring you’re safe and getting your vehicle repaired is our job, and we do it well. If you are reporting an automobile accident it is important to give the adjuster your name, policy number (if you have it), particulars of the vehicle that was involved in the accident, the driver information (if it was not you), passenger information, the date of loss and police report details. We will need more, it is also very important to get the other driver’s name, address, drivers license number, insurance company, policy number and type of vehicle. To make it easier for you, simply take a picture with your phone of the drivers license, insurance slip, and license plate number and forward to the adjuster. We’ll have your claim started immediately.

That can depend on details of the accident and the coverage you carry under your auto insurance policy. If you are not at fault for the accident and your insurance company confirms the other driver has valid insurance then yes, you are entitled to a rental while your car is being repaired, we’ll get you back on the road as soon as possible.

However, if you are at fault for an auto accident or the party that caused the damage is unidentified then you need to have purchased an OPCF 20 endorsement (Ontario Policy Change Form – Coverage for Transportation Replacement) that provides you the option to rent a vehicle. This endorsement normally has a maximum limit to the amount payable, it is recommended to discuss with our professional insurance advisor to ensure you have the appropriate level of coverage. This is an important coverage for single vehicle families, or if you commute daily, talk to us so we can add this coverage today!

Have other questions?

Contact one of our auto specialists today.

Client Testimonials

“Wow!! I can’t thank Erie Mutual enough for how everyone on your team handled this claim. Your team has been no less than 5 Star from day one. The best insurance experience I have had thus far.”

JP SalgueiroErie Mutual Member (Dunnville)

Read the Latest News

Auto insurance is much more than just a necessity. In fact, the law requires that you carry auto insurance, but that does not mean that the law expects that you understand your auto insurance. We realize that most drivers really do not know a lot about the coverage or even the limits under their auto insurance policy. The truth is that auto insurance is not easy to understand, and given that it seems to change every few years makes it that much more frustrating to grasp as a consumer. We not only feel your pain, we also share it.

October 24, 2018 5 Min Read

Owning or driving an automobile requires a high level of responsibility, something that should not be taken lightly. An important element of that responsibility is to ensure that you, or other drivers of your vehicle, always have proper documentation readily available should you be involved in an auto accident or stopped by police in regards to a violation of the highway traffic act.

August 8, 2018 3 Min Read

We realize that most consumers do not truly understand the insurance product they are purchasing. Despite efforts to educate and inform policyholders the simple truth of the matter is that insurance can be difficult, and that is unfortunate.

April 4, 2018 4 Min Read

See How We Helped Change Our Clients’ Lives

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Farm coverage for liability, livestock and the equipment used to maintain operations will give you peace of mind knowing your business and family are protected. We were founded by farmers, it’s what we’ve always done.

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Your commercial insurance package can be amended as your business grows to ensure you’re properly covered. Your business is your livelihood, we want you to know the proper coverage will always be in place to get your business back on track should anything happen.

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We’ve got all your home insurance needs covered, including any seasonal or rental property. Your policy will provide all the protection you need, at all the locations you want.

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