ERIE requires new teen drivers to be added to a parent or guardian’s auto policy or take out their ownpolicy once they get their license. If your teen driver only has a learner’s permit, he or she is automatically covered under your policy—so no need to touch base with your ERIE Agent just yet.

ADD TO MY POLICY OR GET THEIR OWN?

Deciding whether to add newly licensed drivers to your existing auto policy or have them take out their own policy comes down to the car they’re using.

If they’re using your car, they will be covered under your policy the same way you are. This means they get policy benefits like Feature 15, which never allows your policy to be surcharged for an at-fault accident after your auto policy has been in force for 15 years. The only things your teen driver won’t have are certain rights like the ability to modify deductibles and other coverages—those are reserved for the main policyholder.

You’ll want to take out a policy in your teen driver’s name if he or she holds the car title. If you buy your teen driver a car and you hold the title, you can still add the young driver to your policy. This is usually a less expensive option since your teen benefits from your driving record.

No matter how you choose to insure your teen driver, it’s important to do it as soon as he or she is licensed. Every driver in your house needs protection—and that’s especially true with inexperienced teen drivers. ERIE also aims to assess a fair and accurate premium based on all the drivers in your house, and that’s impossible to
do when drivers aren’t properly disclosed.

If a new teen driver isn’t added to a policy and gets in an accident, ERIE typically covers the claim. However, you may be charged back premium from the time when the teen driver became licensed and should have been added to the policy up to the present time.

KEEPING COSTS IN CHECK

Teen drivers are typically more expensive to insure because they lack a solid driving record and get into more accidents on average than more experienced drivers. That said, there are a few ways to keep car premiums for new teen drivers under control.

They include:

• Choosing ERIE Rate Lock^®: With this optional feature, your low, locked-in premium will never change—even if you submit a claim—until you add or remove a vehicle or driver, or change your primary residence.¹
• Changing your deductibles: You can choose to have different collision and comprehensive deductibles for your teen driver than for yourself under the same policy. Choosing a higher deductible typically lowers the premium.
• Taking an accident prevention course: ERIE offers a discount to teen drivers who complete certain accident prevention programs. Many states only let insurers offer discounts for certain approved programs, so talk with your ERIE Agent before enrolling your teen in a course to make sure it’s discount eligible.
• Maintaining a clean driving record: ERIE has a youthful driver discount for teens who maintain a clean driving record and who meet a few other requirements. Your ERIE Agent can tell you more about it.

As a parent or guardian, you play a big role in helping your teen drive responsibly. Take the time to talk with your teen about the importance of driving safely and avoiding distracted driving.

Autumn is beautiful, but it also introduces some fall driving hazards… deer collisions being one of them. From October to December, mating and hunting season make deer go on the move. For drivers, that means you’re more likely to hit one.

But have you ever wondered how your auto insurance can cover hitting a deer? Are deer collisions covered by comprehensive or collision coverage?

According to the National Insurance Crime Bureau, deer-vehicle collisions are the top animal-related claim in the U.S. Before you get too worried, here are some helpful tips on how to avoid hitting a deer… and how to handle things if you end up hitting one despite your best efforts.

1. Know where the deer are likely to be. Areas with high deer populations are normally marked with a bright yellow sign. Deer also tend to graze in wooded areas or open fields. When driving your usual route to work, be attentive to areas where you’ve seen deer in the past – they are likely to cross there again.
2. Be alert at sunrise and sunset. Deer are more active during dawn and dusk hours.
3. Use your high beams. When possible, use your high beams for better visibility. The extra light will help make it easier to spot a deer, or other animals, lurking alongside the road.
4. Don’t rely on deer gadgets. Whether it’s a deer whistle, deer fence or other type of product to scare away the deer… don’t rely solely on them to keep deer away. Research isn’t exact on whether or not these products truly work. (Related: Fact or Fiction? Debunking 6 Common Myths About Deer)
   
5. When you see one… you’ll probably see more. Deer travel in groups. If one comes across your path, proceed with caution in case there are more.
6. Don’t swerve. Swerving isn’t always the safest option. Hitting a deer might often cause less damage than swerving to avoid it… and then hitting a more dangerous obstacle, like a vehicle in oncoming traffic. (Related: What’s Safer… Swerving or Staying the Course?)
   
7. Wear your seat belt. If you do hit a deer, wearing a seat belt decreases your chances of injury.
8. Spread the word. When friends or family head out on the road, let them know to be careful and alert. Even a simple reminder can help prevent deer collisions.

WHAT TO DO IF YOU HIT A DEER

Taking the above precautions can help you avoid hitting a deer… but nothing can entirely rule out the possibility. Here are steps you can take after you hit a deer.

1. Pull over. Move your vehicle to a safe place off the road. Don’t forget to turn on your hazard lights.
2. Stay away from the deer. An injured deer can still lash out and hurt someone.
3. Assess the damage. When you’re out of harm’s way, examine your vehicle and take photographs of any damage to your car. Use good judgement to know if your car is safe to drive or if you’ll need to call for a tow truck. Learn how to add Emergency Roadside Service to your ERIE auto policy.
4. Call for help. Depending on the circumstances, consider calling the police or an animal expert. While it’s not always required to file a police report, it can provide evidence if you decide to make an insurance claim. If the deer is still in the middle of the road, a trained professional from animal control, the game commission or your local fish and wildlife service can move it away for everyone’s safety.
5. Know if you should file an insurance claim. An insurance professional like an Erie Insurance agent can help you make the decision based on the specifics of your auto insurance policy. Talking with someone you already know and who is familiar with the claims process can help put your mind more at ease.

DOES MY AUTO INSURANCE COVER HITTING A DEER?

You can’t always predict if a deer will walk into your path, but if one does, we’re here to help get you back on the road as soon as possible. At Erie Insurance, deer-vehicle collisions are covered under the comprehensive portion of your auto insurance, which is an optional coverage you can choose to add on. Learn more about how to customize your ERIE auto policy.