For instance, many people mistakenly believe that filling up in the morning at the day’s lowest temperature can put more gas in your tank. For the facts on this myth and others, continue reading.

Facts and myths at a glance

• Don't smoke while pumping gas.
• Avoid distractions like texting while fueling.
• Stay outside your vehicle whenever possible.
• Don't top off your tank.
• Premium fuel only helps cars designed for it.
• Keep your tank above one-quarter full.
• Filling up on cold mornings won't save money.

FAQs

Is it safe to smoke at the pump?

Findings point to: NO

The American Petroleum Institute, the Petroleum Equipment Institute and safety officials across the country agree that you shouldn’t smoke while you’re pumping gas.

Gasoline is a flammable liquid, and there’s always a risk when you’re around it. However, the primary danger at the pump is not the gas itself but the gas vapors. Because these vapors are heavier than air, they can combust if they encounter anything flammable such as a smoldering cigarette butt, hot pavement or even a static spark. These can all turn into a very dangerous recipe for disaster.

Not only is smoking at a gas pump risky, it also may be against the law depending on where you’re fueling up. States have different fines or penalties for smoking at (or within a specified distance of) a gas pump. So, the next time you’re refueling, pay attention to the safety signs around you.

The takeaway: Drivers should follow the sage advice of the American Petroleum Institute: “Do not smoke, light matches or lighters while refueling at the pump or when using gasoline anywhere else.”

Should you use your cell phone at the pump?

Findings point to: NO

But it may not be for the reason you’d expect. It is true that static electricity has the potential to cause an unexpected flash fire at the gas pump. And while the likelihood of this danger is low, it’s still a real threat.

However, according to the Petroleum Equipment Institute, there has not been a documented case of a cell phone being the culprit of this type of fire. Rather, the issue here boils down to being distracted.

According to the National Association of Convenience and Fuel Retailing, there have been incidents where a driver on their cell phone has driven away with the fuel nozzle still in their vehicle, thereby damaging their car and the pump.

The takeaway: The phone call, text message and scrolling through your Instagram feed can wait while you refuel.

Is it safe to go back into your car when refueling?

Findings point to: NO

You build up static electricity when you go in and out of your car. This is especially likely when the weather is cold and dry. And that built-up energy wants to go somewhere. According to the American Petroleum Institute, touching the pump handle without discharging that static could potentially start a flash fire.

The takeaway: Stay outside your vehicle until you’re done filling up. (If the weather is less than ideal, make sure you’re wearing proper clothing to ward off the elements.) If you absolutely have to get into your car while you’re refueling, touch the exterior metal of your car before you grab the pump; doing so will help discharge any static electricity you may have picked up on the car seat.

Do you get more gas on a cold morning?

Findings point to: NO

Some believe that you’ll get more gas if you fuel up in the morning because the lower temperature will cause the volume of fuel to drop and its density to increase, which they argue could save you money. This is fair science when dealing with liquids and cold temperatures. But when it comes to the gasoline you pump into your vehicle, the logic isn’t as easily applicable, and it all has to do with the way that gas is stored.

Because the supply tanks for gas pumps sit far underground, gasoline temperatures rarely change. So, you could essentially fill up during an ice storm and it wouldn’t do much to the density of the fuel in the supply tanks.

The takeaway: Don’t bother getting up at 4 or 5 a.m. just to get gas (unless you’re already out and about). Fill up at whatever time is convenient for you. And read more about fuel economy to learn tips and tricks to get better gas mileage.

Is it bad to “top off” your tank?

Findings point to: YES

Trying to squeeze in a few extra pumps of gas can cause more damage than you might think. First, you’re paying for more gas than you need. Second, frequently topping off could actually harm your vehicle. According to GasBuddy, when you overfill your fuel tank regularly, it can cause damage to your EVAP system, which helps your vehicle process extra gas vapors. So, in the end, you could wind up with some pretty costly repair bills. Are those few extra pumps worth it?

The takeaway: When you hear the nozzle click and the pump stops, you should stop too.

Is premium gas better than regular?

Findings point to: IT DEPENDS

Cars are designed to run best with a specific type of fuel. A higher-octane premium gas won’t ignite as quickly, which explains why high-performance cars with high-compression engines often require higher-octane gas. This specialized fuel helps the engine work more efficiently while emitting less exhaust.

It is important to choose the correct type of fuel for your specific car. Using the right octane level can help your car run at its maximum efficiency and can prevent damage to your engine. Read about the differences between premium and regular gas to learn more.

The takeaway: Running a lower-octane fuel than your car requires will cause its performance to suffer, but a higher-octane fuel is unlikely to bring any added benefits. Your owner’s manual will explain what type of gas is best for your car, or you can look inside your fuel door which should have a sticker specifying your car’s fuel requirements.

Is driving on empty bad?

Findings point to: YES

Everyone knows (or should know) that running out of gas will cause your car to stall. But driving on empty can create even more damage below the surface. It can clog your fuel filter, damage your fuel pump and cause your engine to misfire, all of which can lead to a lot more problems down the road.

The takeaway: While every vehicle’s fuel consumption is different (as are each person’s driving habits), it’s recommended to keep your tank at least one-quarter full at all times.

Looking after you

The post Myths & Facts About Pumping Gas appeared first on Bonneville Insurance Agency.

Where should you place your grill?

Placing your grill in an open, well-ventilated area away from your home is critical to a safe grilling experience. Your grill should also sit on a flat, level surface in a space far from pets or small children. Keep these tips in mind as you determine the best spot for your grill:

• Keep it outside. Propane and charcoal grills should always be used outdoors, never inside or even in a garage.
• Find a level fireproof spot. Using your grill on an incline could cause it to roll or tip over, and wooden decks can easily catch fire.
• Give it space. Avoid placing your grill near your home and deck railings, or underneath eaves and awnings.
• Watch it carefully. Never leave your grill unattended.
• Don’t move a lit grill. After your grill is lit, don’t attempt to move it to another location. Moving a lit grill risks burning yourself or others.

How to stay safe using a gas grill

Whether powered by propane or natural gas, gas grills demand that you pay special attention to critical components such as the fuel lines, connections and burners. Even before turning on the gas, you’ll want to take notice of your grill’s condition and make sure both the gas source and the grill itself are in good shape, as damage can cause fires or other problems.

Here’s what you’ll want to look out for:

• Check for leaks. At the start of the season, ensure there are no gas leaks by applying a soapy water solution to your gas tank and hose connections. If you see bubbles rising from any connection points or smell gas, turn the grill off and get it serviced before using.
• Watch out for rust. Remove surface rust on grill grates before you start cooking with the grill. If any parts such as the burners or tanks are heavily rusted, get them replaced.
• Open the lid. Make sure the lid is open when lighting your gas grill. A closed lid can allow gas to build up inside the grill, which can lead to a flash burn.
• Keep your distance. When lighting your burners, don’t lean over the grill..
• Turn off the gas. After you’ve finished cooking, remember to turn off the propane — at the grill and the tank shutoff. If you ever smell gas after the grill has been turned off, call your local fire department.

How to stay safe using a charcoal grill

Charcoal users swear by the distinct, smoky flavor it gives to food, but these grills can be a little more complicated and have a slightly different set of safety rules than their gas counterparts. Since they rely on heating briquettes until they become ashy gray with a glowing red outline, charcoal grills can be difficult to control the exact temperature. Using this type of grill also requires some patience, as charcoal takes about 20 minutes to reach cooking temps and won’t turn off immediately once you’re done.

To start fires, many grillers use lighter fluid. But this method requires caution, as it must be designed specifically for a charcoal grill and not added once you’ve lit the charcoal. Here are a few more safety items you’ll want to keep in mind when using a charcoal grill:

• Consider a safer fire starter. Safer alternatives to lighter fluid include metal chimney starters, which use newspaper as a fire source, and solid fire starters made from flammable wax or wood. Electric starters work well, too, but don’t use one in wet weather.
• Go easy on the lighter fluid. Let the charcoal soak up the fluid before lighting. And never use gasoline or other flammable liquids.
• Control your vents. Charcoal grills need oxygen to burn. So keep your vents open when cooking and close them to extinguish the flame.
• Let it cool. Give your grill enough time to cool down completely before covering it.
• Safely dispose of coals and ashes. Before cleaning out your ashes and charcoal, let them cool for 48 hours. If you need to clean out your grill sooner than that, wrap the ashes in aluminum foil and soak them with water. Then, dispose of them in a non-combustible container.

How to put out a grill fire

Grill fires are different from regular fires. They are essentially the same as a grease fire that occurs in your kitchen. Because of the oil that’s involved, spraying it down with a hose is not a good idea. Instead, you’ll want to follow these steps:

• Never use water. Using water to extinguish the flames will just lead to an explosion of burning grease.
• Use a fire extinguisher. The best way to put out a grill fire is by using a multi-purpose fire extinguisher. Keep it nearby and make sure it’s been tested and inspected recently.
• Smother the flame. If you don’t have a fire extinguisher on hand, smother the flame by cutting off the supply of oxygen. You can do this by closing the lid and grill vents. Spreading baking soda on the flame can also help put it out.

How to store and maintain your grill

Proper storage and maintenance is essential to keeping your grill in a safe state. In fact, most grill fires can be prevented with a little bit of maintenance. Here is what you’ll want to pay attention to:

• Keep drip trays and grill grates clean. If your grill has a drip pan or tray, get in the habit of regularly cleaning out the fat, grease and oil that collects there. And brush off your grates to help prevent a possible fire hazard while keeping your grill from rusting.
• Use a cover. Use a weatherproof cover to help keep dirt and moisture out during wet and snowy weather.
• Store propane safely. When your grill is out of use for long periods of time, it’s best to fully disconnect the propane tank. If you decide to store your grill indoors for the winter, be sure to leave the gas tank outside, as propane should never be stored indoors.

What to do in an emergency

The same rules for any emergency still apply: stay calm, provide basic first aid and comfort others while help arrives. Should a grill fire specifically occur, here are the steps you’ll want to take:

• Use a safe and trusted method to attempt to stop the fire. Using a multi-purpose fire extinguisher, try to put out the flames as quickly as possible.
• Call 911. If you can’t put out the fire, call for help immediately. House fires spread quickly, so the faster you get professional help, the less damage it will do.
• Treat any injuries. Each year, nearly 20,000 people visit an emergency room because of grill-related injuries. For minor burns, run cool water over the area, cover it with a sterile non-adhesive bandage and take an over-the-counter pain reliever. For more serious injuries, see a doctor immediately.
• Assess the property damage. After the fire is out and any injuries have been treated, evaluate how much your property has been damaged. Take photos to document the damage. Your Erie Insurance agent can help you decide whether to file an insurance claim and guide you through the claims process if you do.

FAQs

Besides a fire, what other risks can a grill pose?

A grill placed in a poorly ventilated area could result in carbon monoxide poisoning, while those placed too close to homes can melt vinyl siding—even if a fire doesn’t break out.

What if I can’t get a burner to light?

If you can’t get a burner to light, turn off the grill and wait at least five minutes before trying again. Also be sure to check if the propane tank is empty or if the valve is closed.

How often should I clean my grill?

You’ll want to brush or scrape off the grates on a gas grill each time you’re finished cooking. You should also heat the grill to burn off excess food. Deep cleaning should be performed once or twice a year, while drip pans should be cleaned every couple of uses.

For charcoal grills, you need to remove all leftover charcoal and ash after each use and also deep cleaned at least once or twice per year depending on your use.

What food safety rules should I keep in mind?

To ensure food safety and minimize your risk of foodborne illness, prevent cross-contamination by using different trays and utensils for raw meats and vegetables. Meat should also reach safe internal temperatures:

• Poultry should reach 165 degrees
• Whole cuts of beef, pork and lamb: 145 degrees.
• Ground beef, pork and lamb: 160 degrees
• Fish: 145 degrees

And never leave food sitting our in warm weather for more than an hour.

Protect what matters most

The post Grilling Safety Tips for Propane, Charcoal and Gas Grills appeared first on Bonneville Insurance Agency.

Many fires are caused by accidents, mechanical malfunctions or electrical problems and can be prevented. Here’s what you need to know about how car fires get started – and what you should do if you ever encounter one.

Why do cars catch on fire?

According to the National Fire Protection Agency (NFPA), there are about 200,000 vehicle fires each year in the United States – causing nearly $2 billion in property damage and claiming hundreds of lives.

Vehicles can catch fires due to many reasons. They include:

• Mechanical failure: According to the NFPA, mechanical failures and malfunctions are the leading cause of vehicle fires. This can include the failure of an electrical component, like faulty wiring or a bad battery. Or it could be caused by a broken line that carries gas or oil to your vehicle’s engine.
• Collisions: During a collision, damaged vehicles can leak fluids that become fuel for a fire. While NFPA data shows that accidents account for only 5% of car fires, accidents cause 63% of car fire deaths. This is because an accident can make it difficult to exit the vehicle, either due to injuries or damage to the car. 
• Poor maintenance: Three-quarters of highway vehicle fires caused by mechanical or electrical failures involve older cars. Often, issues like oil leaks and other neglected maintenance tasks are to blame.

What should I do if my car catches on fire?

A car fire can engulf your vehicle in a matter of minutes, so time is of the essence. If you find yourself in a vehicle that catches fire, follow these steps.

1. Pull over. Get your vehicle off the roadway and come to a complete stop as soon as possible.
2. Shut off the engine. Turning the vehicle off will stop the flow of gasoline to the engine. It also disables power to many of your car’s electrical components.
3. Get out of the car. Everyone in your vehicle should get out immediately. Once you leave, stay at least 100 feet from the car and do not return to get any personal items.
4. Call 911. Another motorist may have already called for emergency services. But you should always call yourself to ensure a fire truck is on its way.

Should I try to put out a car fire?

In most cases, no.

While it may be possible to stop a fire with a Class B or Class C fire extinguisher, most safety experts advise it’s best to just keep your distance and leave the job to the professionals.

Opening your car’s hood or trunk can increase the airflow to the fire, potentially making it grow. And many of your car’s parts can explode during a fire, which can send dangerous shrapnel in your direction.

What kind of damage can a car fire cause?

A fire can cause extensive damage to your vehicle in a short amount of time. According to the NFPA, about two-thirds of all car fires start in the engine compartment. That means there can be significant damage to the following components:

• Engine
• Transmission
• Electric systems
• Paint
• The car’s interior and ventilation systems due to smoke

Due to the extent of all this damage, most cars that catch fire are considered a total loss by insurance companies. Learn more about how a car is determined a “total loss.”

Will my auto insurance cover a car fire?

A car fire can be covered by your auto insurance. But it all depends on the type of coverage you have, as well as the circumstances of the fire.

If your car catches fire because of an auto accident, then the damage generally can be covered under your collision insurance. However, if a car fire occurs for reasons not related to an accident – for example, a lightning strike or vandalism – that’s when comprehensive insurance can cover the damage.

Questions about your specific policy? Talk to your local ERIE agent.

How can you prevent a car fire?

Of course, the best way to protect yourself from a car fire is to prevent it from happening in the first place. Here are some tips:

• Maintain your vehicle. Nearly every fluid in your car is flammable. So don’t ignore that oil leak. Have your car regularly serviced by a professional mechanic and always get it checked out if it doesn’t seem to be running properly. (Related: What’s a Multi-Point Inspection, And When Do I Need One?)
• Be careful when transporting fuel. Whether you’re getting gasoline for the lawn mower or grabbing a new propane cylinder for the grill, it’s important to transport it safely. Gas should only be stored in a sealed, approved container. And fuels should never be carried in the passenger area of your vehicle.
• Watch where you park. The catalytic converter in your car’s exhaust system can reach temperatures of up to 1,000 degrees Fahrenheit. So avoid parking in areas where something flammable, like dry grass or loose paper, can come in contact with the exhaust.

FAQ

How often do car fires occur?

According to the NFPA, U.S. fire departments responded to an annual average of 215,096 vehicle fires from 2018-2022.

Do electric vehicles catch fire often than gasoline vehicles?

According to a 2023 report from The Guardian,  electric vehicles are less likely to catch fire than gas-powered vehicles, though it acknowledges that these figures could change as more people drive EVs.

Are there warning signs that a car is at risk of catching fire?

Smoke, a burning smell, leaking fluids or loud noises coming from the exhaust system could be early warning signs and reason for you to pull over immediately, evacuate the vehicle and get help. A rapid engine temperature spike can also indicate that a fire might be igniting.

Is it safe to drive a car after a small fire?

No. If your vehicle has experienced any fire damage, have a qualified mechanic inspect it before it is driven again.

Can a parked car catch fire?

Yes. It is possible, though less likely, for a fire to ignite even after the engine has been turned off.

 A better day starts here

The post What to Do If Your Car Catches On Fire? appeared first on Bonneville Insurance Agency.

For many small businesses, even a short shutdown can create serious financial strain. Sales may stop immediately, but rent, payroll, loan payments, utilities, vendor bills and other operating costs may continue.

That’s why it’s important to think ahead. If your business had to close temporarily, how would you keep things moving? And would your insurance be designed to help?

Why a temporary shutdown can be costly

A temporary closure does not have to last long to disrupt your business. Even a few days without normal income could affect your cash flow, employees, customers and recovery.

During a shutdown, you may need to manage:

• Lost income from missed sales or canceled jobs
• Payroll, rent, loan payments and vendor bills
• Spoiled or damaged inventory
• Temporary relocation costs
• Repairs or replacement equipment

In other words, the doors to your business might be closed, but the bills usually do not stop.

What can cause a business to close temporarily?

Temporary shutdowns can happen for many reasons, including:

• Fire or smoke damage
• Wind, hail or storm damage
• Water damage from a burst pipe
• Damage to equipment, tools or a building
• Certain utility interruptions related to a covered event
• Certain cybersecurity incidents
• Damage to a nearby property that limits access to your business

Not every event is covered by every policy. Coverage depends on your policy, endorsements, the cause of loss and the details of your situation.

How business interruption insurance may help

Business interruption insurance, also known as business income insurance, could help replace certain lost income and help cover some ongoing expenses if your business has to close temporarily because of a covered loss.

Many businesses choose to include business interruption coverage as part of their overall risk management strategy. This coverage is often connected to a business owners policy or commercial property policy. In general, the shutdown must be caused by a covered event. For example, if a covered fire damages your building and forces your business to close while repairs are made, business interruption coverage could help with income you lose during that time.

Depending on your policy, business interruption coverage could help with:

• Lost business income
• Payroll
• Rent or lease payments
• Certain ongoing operating expenses
• Extra expenses needed to continue or resume operations

The right coverage can help give your business room to recover instead of forcing you to absorb the full financial impact on your own.

What business interruption insurance may not cover

Business interruption insurance can be valuable, but it does not cover every situation. Depending on your coverage, it may not cover:

• Losses caused by events that are not covered by your policy
• Shutdowns that are not connected to covered property damage
• Flood or earthquake damage, unless separate coverage applies
• Certain utility interruptions, unless covered by endorsement or additional coverage
• Income that cannot be documented
• Losses beyond the coverage period or policy limits

This is one reason good records matter. Financial statements, tax records, payroll information, sales history and expense documentation can help support a claim.

How to prepare before a shutdown happens

The best time to plan for a temporary shutdown is before your business is facing one.

Identify your most important operations. Think about what you need to keep serving customers, such as your building, equipment, inventory, vehicles, employees, internet access, payment systems or key suppliers.

Back up important records. Keep copies of financial records, customer information, vendor contacts, payroll documents, insurance policies, leases and loan agreements in a secure place.

Create a communication plan. Decide ahead of time who will contact employees, customers, suppliers, your landlord, lenders and your insurance agent.

Document your property and inventory. Photos and videos of equipment, tools, furniture, inventory, signage, technology and improvements can be helpful if you need to file a claim.

Review your insurance regularly. Growth, new employees, added equipment, larger inventory, renovations or new services may affect your insurance needs.

Questions to ask your insurance agent now

Your insurance agent can help you understand how your coverage may respond after a temporary shutdown. Consider asking:

• Do I have business interruption or business income coverage?
• What types of losses could trigger this coverage?
• How long would coverage last after a covered loss?
• Are payroll, rent or other operating expenses covered?
• Would temporary relocation costs be covered?
• What records would I need to provide during a claim?
• Have changes in my revenue, payroll, inventory or equipment affected my coverage needs?

These conversations are easier to have before a loss. Waiting until your business is already closed can make the recovery process more stressful.

Plan now so you can recover faster later

A temporary shutdown can happen with little warning. But business owners who understand their risks, keep good records and review their insurance ahead of time may be better prepared to recover.

The right insurance coverage cannot prevent every disruption. But it may help protect your income, cover certain ongoing expenses and give your business a stronger path to reopening.

The post Could Your Business Keep Going After a Temporary Shutdown? appeared first on Bonneville Insurance Agency.

That’s why, after years with a different carrier, Dr. Kim decided to move her commercial insurance to Erie Insurance and update her coverage to better fit her dental practice.

Then, about a year later, the unexpected happened.

“I opened the door on a Monday morning, and water just came rushing out,” Dr. Kim remembers. “It wasn’t a small leak. It was instant chaos.”

A high-pressure water line had failed;^[1] the damage was immediate.

Dr. Kim’s first thoughts weren’t just about the space—they were about the ripple effects.

“I’m thinking about patients, staff, equipment…everything,” she says. “Every day you’re down, you’re disrupting patient care, you’re jeopardizing staff wages and your own livelihood.”

What stood out next was how quickly Dr. Kim says ERIE stepped in, and how coordinated the response felt—from her agent to the dedicated claims team working with her.

“I didn’t feel like I was chasing anyone,” Dr. Kim says. “ERIE moved fast to help me start getting the situation cleaned up and to get my office back on track.”

Because a dental office isn’t like other spaces, the details mattered. Restoration and repairs needed to be handled quickly. Dr. Kim says there was real collaboration to help keep progress moving.

“The coordination was incredible,” she says. “It was complex, but it never felt out of control. They didn’t just write a check and disappear. They stayed engaged until we were back up and running—and well after.”

Dr. Kim was fortunate to have multiple locations, which helped reduce some of the disruption. Still, her team needed a place to work while the office was restored, and she leaned on temporary space so staff could stay productive.

In about two months, the practice was operational again.

“The repairs were so good it felt like ‘new,’” she says. “Actually—it was new before, and now it’s ‘new-new.’”

No one wants a loss. But when it happens, Dr. Kim believes the real question is simple: “What would we hope somebody would do for us?” For her, the answer looked like urgency, clarity and a team that helped her get back to business—fast.

Find a local Erie Insurance agent to help you protect the business you’re building.

The post When Water Damage Hit Her New Dental Office, ERIE Helped Her Get Back to Business appeared first on Bonneville Insurance Agency.

They understand everyone has different insurance needs, which adds value to the human touch they offer. While buying insurance directly online can seem like a convenient way to obtain coverage, life’s realities can make the task more complex. Agents also understand that life’s changes often dictate the coverage we need and they can help walk us through how to get it.

Every Erie Insurance policy comes with a friendly face right in your neighborhood – a local, independent ERIE agent to help you get the coverages you need and never pay more than you should. Read on to learn all the ways having an ERIE agent is beneficial for you.

Why do you need an insurance agent?

Here are some advantages of trusting an agent who understands insurance inside and out:

• You get personalized service. It’s hard to beat having a real person who can get to know you personally. Your ERIE agent will discover what matters most to you and ask questions to uncover which policies and options will be the right fit. At ERIE, our agents know how meaningful a little kindness and personalized attention can be.
• They can help you make the right decisions. Even if you know what kind of coverage you’re looking for, the best choice might not be obvious to you. Trust an insurance agent to provide you with a range of options and advise you on the benefits and limitations of each policy. 
• They know your area. Local ERIE agents understand the risks associated with where you live and what your neighbors are experiencing, such as the cost of living in your area and common claims. ‘

  Find an agent close to home and have confidence knowing you can always schedule a quick chat if need be. Your local ERIE agent lives where you live and cares about the community. They can answer your questions and make the insurance buying process easier for you.

• They know the language. Insurance policies can be tricky to understand. With an insurance pro in your corner, you can be sure you’ll know exactly what you’re getting. Let an insurance agent help you cut through the jargon and tell you how a policy benefits you.
• They’ll compare prices for you. ERIE agents understand the differences between each provider’s policies. They can compare rates and coverages to get you the best policy to suit your needs.
• They’re looking out for your best interests. One of the biggest perks of having an independent insurance agent is that they don't work for a singular insurance company. This discourages them from giving you options and advice that only benefits one insurance company. They can even help you get savings discounts when bundling certain coverages. Trust your ERIE agent to look out for your best interests and use their knowledge to your advantage.

When is it time to find an agent?

Working with an insurance agent can be beneficial at any point in your life. But it becomes crucial as you take on more responsibilities.

You should report certain changes to your insurance company to update your insurance policies. For the really big things, it can mean changing your coverage.

Here are 15 times when it pays to have an expert agent in your corner:

1. You’re newly married or divorced. Your spouse or ex-spouse, along with their possessions, are often included in your coverage. Since your priorities shift with a marriage or divorce, an agent can help you make sure those changes are reflected in your policy. This could include updates to your auto, home and life policies.
2. Your family is growing. When you welcome new members to your family, you might need to adjust your coverage. If anything were to happen to your home, car or possessions, ensure that your entire household is protected with the right policies and coverage options based on your agent’s recommendations.
3. Your teenager starts driving. When your child grows up and gets behind the wheel, that can add a layer of complexity to your auto policy. Teen drivers are involved in more accidents than any other age group, so ask your ERIE agent how you can get quality coverage without breaking the bank.
4. Your child is starting college. An agent can help you understand how a child going off to school affects your policies. For example: You could get a break on auto insurance premiums if your child doesn't have a car on campus. And you may consider adding life insurance to cover student loan debt in case of the unexpected.
5. You’ve bought your first home. As a first-time home buyer, it’s your first time buying homeowners insurance, too. Insuring your new place accounts for the roof and walls, but it also includes your belongings and other protections that make a house a home. Talk to your ERIE agent about the basics of homeowners insurance and learn how you can protect one of life’s biggest investments.
6. You’re renovating your house. A home renovation can boost the value of your property, meaning your old policy may not cover what your home is worth if you file a claim. As your living space grows and changes, an insurance professional can help you understand how to update your policy and make sure you’re covered properly against a loss.
7. You’ve moved. With relocation comes an entirely new property to insure. You’re busy enough moving your stuff in and getting settled; rely on your ERIE agent to help you insure your new house.
8. You bought a new car. Buying a vehicle is cause for a fresh look at your auto insurance, especially if it’s your first new car. A new set of wheels comes with up-to-date features that might make updating your policy a little more complex. It’s best to talk with an agent who can ask the right questions so your ride is well protected.
9. You started a business. Business insurance is meant to help protect your new venture, even if it’s out of your home. Having an expert on business insurance and other policies that you can call on will prove valuable as your company grows.
10. You’re considering life insurance. As you get older, you may consider how to best care for your loved ones after you're gone. It may be when you’re comfortable with the life you’ve built or immediately after you start a family. Either way, it’s wise to ask an agent how you can provide everything your family needs if something were to happen to you, your spouse or your partner.
11. You’ve accepted a new job. Benefits packages vary by company. Consult with your ERIE agent and learn how to get adequate protection to supplement your group life coverage provided by your employer.
12. You got a raise. When your salary increases, so does your standard of living. And in this case, it might be time to reevaluate your liability coverage and life insurance.
13. You’re retiring. In retirement, you’re now living off your pension or retirement savings and social security. This stage in life can affect each of your insurance policies, so start having conversations before you retire.
14. You made a big purchase. Generally, people think of insurance policies as protection for their home, cars and family. However, a large purchase – such as an engagement ring –  might need separate coverage from the belongings covered under your homeowners insurance. Depending on the item, your agent can help you find ways to include it in your coverage for pennies on the dollar.
15. You switched lenders. You may have switched mortgage or auto lenders to save a few bucks. Just make sure you tell your agent. If you don’t, your provider could send claims payments to the wrong lender, making the process complicated and time-consuming.

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In most cases, the answer to this question is “no.” However, some states may have different requirements for showing proof of insurance and different insurance requirements than what your policy provides. In those cases, as a nonresident, your policy will automatically be increased to meet the minimum amount and type of liability coverage required by that state’s law should you be in an accident.

Blog summary:

• When visiting other states, your auto insurance will accompany you.
• If a car is “garaged,” in one state, it should have an insurance policy in that state regardless if its owner is a primary resident there.
• If you move to another state, you will need to get an insurance policy in that state.
• You don’t, however, need a new policy if you are temporarily residing in another state.

How does my car insurance work in other states?

The easiest way to think about your insurance is to imagine it as your shadow: wherever you go, it follows you. The home state where you register your car doesn’t change when you travel, so neither does your insurance.

While it is true that states can require different insurance coverage—or in some cases, none—interstate travel won’t affect your coverage if you insure your car in the state where you live.

It is worth noting that your policy automatically adjusts to meet increased requirements that might exist in other states should your coverage fall below the required amount. For example, if you carry Pennsylvania’s minimum of $15,000 per person in bodily injury coverage and you are in an accident in Ohio, where the minimum is $25,000 per person, as of April 1, 2026, your policy will automatically increase to meet that amount.

What if I live in one state but work in another?

Insurance is generally established by where the car resides. So, the car you keep at your home would have a policy in the state where you live. If you have a work car, it would typically be insured in the state where you work and the vehicle is principally garaged. Your agent can provide more details for your specific situation.

What if I own another home out of state?

Again, if you keep your car at your primary home, you would need insurance from that state.

Now, if you keep a car in your primary home state and another at your secondary home in a different state, you will need two policies — one for each vehicle. These policies are completely independent of one another. The policy on one car would not cover the other and vice-versa. A single car cannot be covered by two different policies.

What if I move to a new state?

In the event you relocate your primary residence from one state to another, you will need a new policy.

Remember, insurance is determined based on where the car is. If you bring your car with you when you move, you will be required to register and insure your vehicle in your new home state based on the insurance requirements of that locality.

Once that vehicle is insured in the new state, the same rules apply: your insurance goes wherever you do.

What if I spend winter in another state?

If you prefer spending the winter in the sun instead of the snow, you are subject to what’s known as the “snowbird” rule or exception.

Even though you’re residing somewhere else during the winter, it’s temporary. Your insurer generally recognizes this is a temporary relocation and your policy doesn’t change as a result.

As always, though, keep your insurance agent informed about any long-term changes so they can help keep your policy current.

Do out-of-state college students need a new policy?

If you decide to bring your car to campus, you can remain on your parents’ auto policy so long as you aren’t permanently moving to your college town (full-time students under the age of 24 may be eligible to remain on a parent/guardian policy depending on residency, vehicle ownership/registration, garaging location, and underwriting rules.). However, if you plan on making your college town your new home and have your own vehicle, you will need a new policy under your name. Be sure to consult with your agent

Terms to know

Policy territory: The geographical area where coverage applies, often consisting of the U.S., Puerto Rico and Canada. Contact your ERIE agent to learn more.

State Minimum Requirements: The minimum amount of coverage required in a state. Should an accident occur in a state that has higher minimum requirements and a driver possess coverage amounts lower than what that state requires, their auto policy will automatically adjust to meet the higher coverage requirement.

Garaging Address: The location where a car is primarily kept.

Snowbird Rule: An exception that allows you to keep your auto policy from your primary state residence if you live in another state part time.

The bottom line

Fortunately, traveling out of state doesn’t require you to do anything but make sure your auto policy is up to date. It also never hurts to make sure you’re prepared for anything thrown your way on the open road. To learn more of the precautions you should take, read about what to include in a car emergency kit.

Should you have any questions about your policy, don’t hesitate to contact your ERIE agent. They can provide needed information and explain any gaps that might exist in your coverage.

At ERIE, we’re with you no matter where the road takes you. It comes standard with your policy.

The post Do I Need Multi-State Car Insurance for Out-of-State Coverage? appeared first on Bonneville Insurance Agency.

Fortunately, there is one thing for certain that you can count on: ERIE’s support. If you have comprehensive coverage on your ERIE auto policy, you’re covered should someone steal your ride.

Read on to learn more about how ERIE can provide protection should your car be stolen.

Does insurance cover stolen cars?

Similar to hail damage or vandalism, car theft is considered a non-collision event. That means comprehensive insurance can help cover the cost of your stolen car — whether or not it's recovered – minus your deductible.¹

Stolen vehicle claims are treated similarly to a total loss from an auto accident. Comprehensive insurance can provide protection up to the actual cash value of your vehicle, which represents your car’s current, depreciated market value — not the price you paid for it.

Unlike auto liability coverage, comprehensive coverage is optional if you own your vehicle outright. If you have a loan on your car, chances are your lender requires collision and comprehensive insurance. But regardless of whether or not it’s required by your lender, comprehensive coverage is the best way to ensure you’ll be protected in the event your car is stolen.

What about my items inside the car?

Your items may be covered by the personal property coverage in your homeowners or renters policy. Even when it’s away from your home, personal property coverage protects personal belongings such as clothes and electronics. Theft is usually included as a listed peril. Coverage limits apply and you must usually pay a deductible.

Additionally, ERIE offers personal item coverage as part of a standard auto policy. This coverage pays for personal effects such as clothing, luggage or other belongings totaling up to $350 if the vehicle is stolen. No deductible applies.²

What if I’m financing my car?

If you still owe money on your car when it is stolen, your payout could potentially be less than what you owe. Since the cash you receive for a stolen car is based on its actual cash value – not the amount you have left on your car loan – your car’s value could theoretically depreciate faster than what you’ve paid off. For example, if your car’s actual cash value at the time it is stolen is $15,000 but you still owe $17,000, you could be on the hook for the difference.

That’s where ERIE’s Auto Security Coverage Endorsement³ can help, by making up the difference between your insurance settlement and the remaining loan principal. Ask your local agent for details and availability in your state.

What happens if my car is recovered?

It’s important that you promptly report the theft to the police and to ERIE. If your car is found, a claims adjuster will assess the damage and determine the cost of repairing it. If it’s deemed a total loss, you’ll receive the actual cash value of your car minus your deductible.

What if My Car Is Broken Into?

Vehicle damage resulting from theft, whether the car is stolen or broken into, is covered by comprehensive insurance, minus your deductible. Additionally, acts of vandalism, such as when your car is keyed, also fall under comprehensive coverage.

Am I covered for a rental car?

Rental car coverage can help pay for a rental car while you don’t have access to yours after a covered loss. But you should always ask your agent how many days a rental will be covered under your policy.

If you’re an ERIE customer, our comprehensive coverage includes basic rental car coverage for covered losses such as car theft. Basic rental coverage provides a compact sedan rental car, and a larger vehicle can be selected if you purchase additional coverage.

This coverage varies by state, so ask your insurance agent about rental car coverage before you’re in a situation where you need it. In most states, you’re covered for a rental for up to 45 days.⁴ Learn more about auto insurance and car rentals.

How to prevent car theft

Any way you look at it, dealing with a stolen vehicle is a major hassle. Wouldn't it be easier to avoid the headaches in the first place?

More often than not, car thieves are looking for easy targets. So the more deterrents you put between them and your car, the more likely they are to avoid the risk.

Here a few quick tips to help keep criminals at bay:

• Protect your keys. Many thefts happen because of driver error, like leaving your keys in the car. Thousands of vehicles are stolen with the owner's keys each year, so it’s more common than one might think. Never leave your keys in the vehicle. And remember to store them out of sight whenever possible.
• Lock it up. When it comes to car theft, half the battle is getting inside. And an unlocked car gives criminals easy entry to the driver’s seat. Every time you reach your destination, roll up the windows, shut off the engine and lock the door. That way, if a criminal does target your car, they’ll have to work harder to take it for a spin.
• Buy a car alarm. A blaring car alarm is usually enough to raise suspicion, especially if the person in the front seat is struggling to turn it off. Install an alarm to draw attention to your car when it’s broken into. As a bonus, anti-theft devices like a car alarm may also lower your insurance rate.
• Park carefully. A dark, non-secure area is perfect cover for car thieves. If you park on the street or in a parking lot, choose a well-lit spot to make suspects easily visible. Park in a garage if possible to help protect your car from the dangers outside.
• Utilize anti-theft devices. Invest in a system that keeps your car from starting or the wheel from turning, such as immobilizers, wheel locks and fuse cut-offs. Some are more expensive than others, but most criminals won’t waste time figuring out how to steal the car and risk getting caught. 
• Hide your valuables. Sometimes cars are targeted not because of how nice the vehicle is, but because of what’s inside. If you have anything of value in your car, always keep it out of sight.

What to do if your car is stolen

Although you can reduce the chances of car theft immensely, there’s always a chance your vehicle could be stolen. Here’s what to do when you find an empty spot where you parked your car:

• Contact the police. Upon discovering your vehicle has been stolen, call the police immediately. Tell them everything you can about your car, from the make and model to the vehicle identification number (VIN) and any identifying features, like bumper stickers. Make sure your response is honest and detailed.
• Call your local ERIE agent. Your agent is here to help after something unexpected happens. He or she can also talk you through the process of filing an insurance claim. When filing a claim, it helps to have as much information to share as possible, such as where your vehicle was stolen and where any spare keys are kept. You should also provide your leasing or financing company’s contact information and a copy of the police report.
• Call your lender. If your car isn’t paid off, contact your leasing or financing company. Once the claim has been processed, your insurance company will pay the lender directly. Ask your lender to contact your insurer if there’s any confusion.

Not Sure if You’re Covered? Talk to an ERIE Agent

At ERIE, our commitment to you extends beyond your auto policy. Your protection means restoring your life after a claim and giving you personal, forward-looking service, too.

Contact a local ERIE insurance agent to see if you have the right coverage for life’s surprises.

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