Welcome to the Truslow Yost Insurance Professionals Answer Hub.

A standard home insurance policy covers your home’s structure, personal belongings, personal liability, and additional living expenses if a covered loss displaces you. The specific risks covered depend on your policy type and the coverages you select.

Home insurance is not required by law, but most mortgage lenders require you to carry a policy as a condition of your loan to protect their financial interest in the property. Homeowners who own their property outright are not legally obligated to carry coverage, though it is strongly recommended.

Your coverage amount is based on the estimated replacement cost of your home, what it would cost to rebuild it from the ground up at current labor and material prices, not its market value or purchase price. An insurance agent can help you calculate the right coverage amount based on your home’s size, construction type, and features.

A standard home insurance policy does not cover flood damage and must be purchased as a separate policy through the National Flood Insurance Program (NFIP) or a private insurer. If your home is in a designated flood zone, your mortgage lender may require you to carry flood insurance.

Liability-only coverage pays for damage and injuries you cause to others but does not cover your own vehicle. Full coverage adds comprehensive and collision coverage to your policy, which pays for damage to your own vehicle from accidents, theft, and other covered losses.

After an accident, you file a claim with your insurance company. They assign an adjuster to assess the damage and determine what your policy covers. Depending on who is at fault and what coverage you carry, your insurer will pay for repairs, medical bills, or other covered losses up to your policy limits, minus your deductible.

A standard auto policy typically includes several coverages:

• Property Damage Liability and Bodily Injury for harm you cause to others.
• Collision and Comprehensive Coverage protects your own vehicle.
  Uninsured/Underinsured Motorist Coverage protects you when the at-fault driver doesn’t have adequate insurance.

Insurance companies use your driving record to assess how likely you are to file a claim. Accidents and violations signal higher risk and result in higher premiums, while a clean record typically qualifies you for lower rates and may make you eligible for safe-driver discounts.

A BOP is generally a good fit for small to mid-sized businesses that own or lease a physical space, interact with clients, or face a risk of property damage or injury in their day-to-day operations. Eligibility varies by insurer, so speaking with an agent can help you determine if a BOP is the right fit for your business.

Most BOPs do not cover employee injuries, claims arising from professional advice, or incidents involving company-owned vehicles, as those risks are typically handled by policies such as workers’ compensation, errors and omissions, and commercial auto insurance. Exclusions can vary, so it’s important to review your specific policy with a licensed agent to make sure your business is covered.

A BOP is a pre-bundled policy designed to help small- to mid-sized businesses protect against common risks at a generally lower cost. In contrast, a commercial package policy offers more flexibility and is typically better suited for larger businesses with more complex needs. The right choice depends on your business’s size, industry, and unique situation.

Many insurers offer industry-specific endorsements and optional coverages that can be added to a BOP to better protect your specific business. Coverage options vary by insurer, so working with a licensed agent is the best way to find a policy that fits your unique needs.

General liability insurance typically covers third-party claims of bodily injury, property damage, and advertising injury, while professional liability insurance, also known as errors and omissions insurance (E&O), may help cover claims from a client suffering a financial loss due to your professional advice or services.

If your business is sued for a covered claim, general liability insurance may help pay for legal fees, court costs, and settlements up to your policy limits, even if the claim turns out to be unfounded. Coverage varies by policy, so it’s important to review your specific policy with a licensed agent to understand what’s included.

A business owners policy, or BOP, typically bundles general liability insurance together with commercial property coverage into one convenient policy, while a standalone general liability policy covers only third-party injury and property damage claims. A BOP may be a good fit for your business if you’re looking to protect both your liability and your property under one policy.

The right amount of coverage generally depends on your industry, the size of your business, your location, and any coverage requirements in your client contracts or leases. Speaking with a licensed agent is the best way to help make sure your coverage limits are the right fit for the risks your business faces day to day.

Bundling home and auto insurance means purchasing both policies from the same insurance company. Many insurers offer a discount when you do, and managing your coverage can be easier when everything is with one carrier.

Bundling home and auto insurance can save you anywhere from 5% to 15% or more on your premiums through a multi-policy discount. Savings vary by insurer and policy, so it’s a good idea to compare bundled and individual rates to see how much you could save.

Not always. While bundling often lowers your overall premium, it isn’t always the least expensive option. Some insurers may require you to carry certain policies to qualify for the bundled rate, which could mean paying for more coverage than you need. Comparing bundled and individual quotes can help you find the best value for your situation.

Yes. If you have renters insurance, you may be able to bundle that policy with your auto insurance and still qualify for a multi-policy discount, just like a homeowner could.

Umbrella insurance is an extra liability policy that provides additional protection when a claim exceeds the liability limits on your existing auto, home, or watercraft policy. It pays out after your main policy has paid out in full and covers the remaining costs up to your umbrella policy’s limit.

Umbrella insurance is specifically about liability, which is the costs you may owe to someone else for an event where you are held responsible. It doesn’t usually cover damage to your own property or belongings, as your primary policy handles those losses.

Umbrella insurance only pays out after your primary policy has reached its liability limit. For example, if your auto policy covers liability up to $500,000 but an accident results in $600,000 in medical bills for the other driver, your auto policy pays the first $500,000, and your umbrella policy covers the remaining $100,000.

If you have umbrella insurance, it may also cover family members or household members, not just the primary policyholder. Be sure to review your specific policy to understand who is covered for your unique situation.

Umbrella insurance is often more affordable than you might think. Because it only pays out after your primary policy is exhausted, the likelihood of a claim is lower, and the premium usually reflects that reduced risk.

High net worth insurance isn’t simply ordinary personal insurance with higher limits and higher premiums. It’s about recognizing that people with large assets have unique coverage needs, and bringing multiple areas of coverage together, such as home or homes, vehicles, travel, and even life insurance, into one comprehensive solution designed around your particular risks, assets, and lifestyle.

With agreed value coverage, you and the insurance company agree on the payout amount upfront in the event of a total loss claim. Instead of being tied to the depreciated market value of your vehicle, art, or other insured item at the time of a loss, you know exactly what your coverage is worth from the moment the policy is written.

If you own multiple homes, you’ll need policies for each home to fully cover them. Excess liability coverage may also be added for additional liability limits, which can be especially valuable when you have more than one property to protect.

There are plenty of unique risks that come with your lifestyle, and many of them have specialized coverage options. Household help, identity theft, high-value items and collections, and more all have insurance solutions designed to help protect your life.

Business auto insurance covers vehicles owned by businesses or used for work-related purposes. Personal auto insurance is designed for everyday driving and generally excludes accidents that occur while a vehicle is being used for business, so relying on a personal policy while driving for work could leave your business exposed.

Yes. Whether your business owns one vehicle or an entire fleet, any vehicle used primarily for business purposes generally needs a commercial auto policy. The number of vehicles does not change the type of risk your business faces, and most personal auto policies will not cover accidents that occur during business use. Requirements may vary by state.

A business auto policy can typically cover a wide range of vehicles, including cars, vans, pickup trucks, box trucks, and specialty vehicles like service vans or work trucks. Coverage options vary by insurer and vehicle type, so speaking with your agent is the best way to make sure each of your business vehicles has the right protection.

A standard business auto policy generally does not cover employees driving their own personal vehicles for work-related tasks. To help protect your business in those situations, you may need to add hired and non-owned auto liability coverage, which can help cover claims when an employee is in an accident while using a personal or rented vehicle for business purposes.

Motorcycle insurance is a separate policy from auto insurance because motorcycles carry different risks, coverage needs, and rating factors than passenger vehicles. A standard auto policy typically excludes motorcycles, so relying on your car insurance to cover your bike could leave you exposed in an accident.

If you only ride during certain months, some insurers offer the option to adjust coverage while your motorcycle is in storage, often by keeping comprehensive coverage in place to protect against theft, fire, or vandalism while dropping liability and collision. Coverage options vary by insurer, so it’s worth speaking with your agent to see what’s available in your area.

Many insurers offer discounts for things like completing a motorcycle safety course, bundling your motorcycle policy with your home or auto insurance, being a mature rider, or having a clean driving record. Discounts vary by insurer, so check your coverage or talk with your agent.

Actual cash value coverage pays the depreciated value of your motorcycle at the time of a total loss, which may be less than what you paid for it. Agreed value coverage means you and the insurance company agree on a payout amount upfront, which can be especially valuable for custom, vintage, or collectible motorcycles. Speaking with your agent can help you determine which option fits your bike.

Requirements vary by state, but sole proprietors and business owners without employees are generally not required to carry workers’ compensation insurance. Some choose to add coverage anyway to help protect against the costs of a work-related injury, especially when clients, contracts, or licensing boards require it.

A standard workers’ compensation policy generally covers employees, not independent contractors, who are typically expected to carry their own coverage. Misclassifying a worker as a contractor when they should be an employee can expose your business to claims and penalties, so it’s worth reviewing worker classifications with a licensed agent.

Workers’ compensation insurance generally covers employees who are injured while performing job-related duties, whether they’re at the office, at a client site, or working from home. Coverage typically applies as long as the injury occurs in the course of their work, so it’s worth having clear remote work policies and reviewing your coverage with a licensed agent.

Workers’ compensation insurance covers injuries and illnesses to your employees that arise from their job. General liability insurance covers third-party claims of bodily injury and property damage, such as a customer being injured at your business. The two protect against different risks, and many businesses carry both.

Cyber liability insurance is a specialized policy that helps cover the risks your business faces from an information breach. It may help cover expenses associated with a cyber-attack, and some policies also include media liability coverage, which can help with claims such as inadvertent copyright infringement.

A cyber liability policy may help cover many of the expenses associated with a cyber-attack, including notifying customers and clients of the data breach, restoring your business’s website, addressing extortion attempts, and paying damages to clients, customers, and suppliers. Coverage varies by policy, so it’s important to review your specific policy with your agent.

Some commercial cyber liability policies may cover loss of business while your systems are compromised or unavailable. Because dealing with the aftermath of a cyber-attack can temporarily close your business, this coverage can help offset the income you lose while getting your systems back online. Waiting periods and how income loss is calculated vary, so it’s worth reviewing the coverage with your agent.

Cyber liability insurance may help cover a range of common cyber-attacks, including data breaches, ransomware and extortion attempts, phishing scams, social engineering attacks, and denial-of-service attacks that take your systems offline. Coverage varies by policy, so it’s important to review your specific policy with your agent to understand which types of attacks are included.

Commercial property insurance is a standalone policy that protects your business’s physical assets, while a business owner’s policy, or BOP, typically bundles commercial property coverage together with general liability insurance into one convenient policy. A BOP may be a good fit if you’re looking to protect both your property and your liability under one policy, while a standalone commercial property policy may be better suited for businesses with more complex property needs.

Replacement cost coverage pays to replace damaged property with new property of a similar kind and quality, without factoring in depreciation. Actual cash value coverage pays the depreciated value of the property at the time of the loss, which may be significantly less than what it costs to replace. The right choice depends on your business’s situation, so it’s worth reviewing your options with a licensed agent.

Commercial property policies may include business interruption coverage, which can help replace lost income when part or all of your business is temporarily unable to operate due to a covered loss. Waiting periods and how income loss is calculated vary, so it’s worth reviewing the specifics with your agent.

A standard commercial property insurance policy does not cover flood damage and must be purchased as a separate policy through the National Flood Insurance Program (NFIP) or a private insurer. Speak with your agent to determine whether you need flood coverage to ensure your property is properly protected.

Commercial flood insurance covers two separate things: your building and its contents, each with its own limit. Through the NFIP, coverage caps at $500,000 for the building and $500,000 for your business’s contents, such as furniture, equipment, and inventory. Payouts are typically based on actual cash value, meaning depreciation is factored in, rather than the full cost to replace what was lost. Your agent can walk you through how these limits and valuation rules apply to your specific policy.

In most cases, no. But if your business has a mortgage and the building sits in a high-risk flood zone in a community that participates in the NFIP, federal law generally requires your lender to make sure it’s covered. Outside a high-risk zone, coverage typically isn’t required, though that doesn’t mean the risk is zero. Check with your lender and agent to confirm whether coverage is required for your building.

Filing a commercial flood claim starts with documenting the damage and contacting your insurer, which will send an adjuster to inspect the property and assess the loss. Depending on your policy, the payout may be based on actual cash value, which accounts for depreciation, so it’s worth understanding how your coverage is valued before a loss happens. Keeping records of your building and contents in advance can help the process move faster.

Commercial flood insurance premiums are shaped by factors like your property’s flood zone, elevation, construction type, and the coverage limits and deductible you choose. Because pricing can range widely, from a few hundred dollars to several thousand a year, it’s worth getting a specific quote rather than estimating from a general range. Your agent can explain what’s driving your premium and what type of savings may be available to you.

Flood insurance generally isn’t required by law, but if your home is in a high-risk flood zone and you have a mortgage, your lender typically requires you to carry coverage. Outside a high-risk zone, coverage usually isn’t required, though as we’ve covered, that doesn’t mean the risk is zero.

A flood policy generally covers two separate things: your home’s structure and your personal belongings, each with its own coverage limit. Under the NFIP, building coverage caps at $250,000, and contents coverage at $100,000 for a typical home. Contents claims are typically settled based on actual cash value, which factors in depreciation. It’s worth talking to your agent about how that could affect a claim, especially if you need more than the coverage limit.

Yes, most new flood policies have a 30-day waiting period before coverage takes effect. There are a couple of exceptions, though: if your lender requires flood insurance as part of a mortgage closing, coverage can typically start right away. It’s still smart not to wait until a storm is in the forecast to get covered. That’s part of why it’s smart to get flood coverage in place well ahead of storm season, rather than waiting until a storm is already in the forecast.

Yes. If you rent your home, you can typically purchase a flood policy to cover your personal belongings, even though your landlord is usually responsible for insuring the building itself.

Most homeowners policies offer only limited coverage for small watercraft, and many exclude larger or motorized boats entirely. Jet skis and other personal watercraft typically aren’t covered under a homeowners policy, no matter their size, so a standalone watercraft policy is generally the better way to protect them. A licensed agent can help you understand exactly what your homeowners policy does and doesn’t cover, so you’re not left with a gap.

Watercraft insurance generally isn’t required by state law, though your lender may require it if you’re financing your boat. That said, your lender may require it if you’re financing your boat, and many marinas require proof of liability coverage before they’ll let you dock or store your vessel there. Requirements vary by state, lender, and marina, so it’s worth confirming with your agent which requirements apply to you and your vessel.

The cost of watercraft insurance typically depends on the type, size, age, and value of your boat, its horsepower or speed, where and how often you use it, and your boating experience and claims history. A licensed agent can walk you through how these factors apply to your specific boat and help you find the right coverage at the right price.

Many watercraft policies include a lay-up period, a set stretch of time when your boat is stored and not in use, which can adjust your coverage and premium accordingly. Coverage during lay-up often shifts to protect against risks like fire or theft while excluding liability, since the boat isn’t out on the water. Lay-up terms vary by policy.

Most of the time, business interruption coverage is not sold on its own. It’s typically added to a commercial property policy or included as part of a business owner’s policy (BOP), since the coverage responds to the same kinds of covered losses that damage your property. Because the packaging can vary by insurer, it’s worth reviewing your policy to confirm that business interruption coverage is in place.

In most cases, yes. Business interruption insurance generally applies only when your business is forced to shut down because of direct physical damage from a covered loss, such as a fire or a storm. Losses that don’t involve physical damage to your property may not trigger coverage, and some causes of loss can be excluded altogether. Reviewing your policy with a licensed agent is the best way to understand exactly what does and doesn’t apply.

The restoration period varies by policy, but it commonly lasts anywhere from a few weeks to a year or more. This is the length of time your coverage helps pay operating expenses while your business is being repaired or rebuilt after a covered loss. Because every business recovers at a different pace, it’s important to review your policy limits with a licensed agent to make sure the restoration period reflects how long your business would realistically need.

The right amount of coverage generally depends on your monthly operating expenses and how long it would take to get your business up and running after a loss. A common starting point is to add up your fixed monthly costs (payroll, rent, loan payments, utilities, and taxes) and multiply that by the number of months you’d want to be protected. From there, a licensed agent can help you set limits that match your business’s income and recovery timeline.

Most insurers require that the vehicle be well-maintained, kept in a secure, enclosed storage space such as a garage, and used primarily for hobby purposes rather than for daily transportation. Exact age thresholds and other requirements vary by insurer, so it’s worth confirming with your agent whether your specific vehicle qualifies.

Many (but not all) classic car policies do limit annual mileage since the coverage is designed for limited, hobby-related use. Mileage limits and how they’re enforced vary by policy, so it’s important to review your specific terms with your agent.

Generally, no. Classic car insurance is designed for occasional use, such as shows, tours, and pleasure drives, and using the vehicle as regular transportation may fall outside your policy’s terms. If you drive your classic more frequently, talk to your agent about whether a standard auto policy would be a better fit.

Yes. A classic car policy only covers the vehicle(s) listed on it, so any car you drive regularly still needs its own standard auto policy. Your agent can help you figure out whether bundling the two makes sense for your situation.

A commercial umbrella policy typically extends the liability limits of underlying policies such as general liability, commercial auto, and other forms of liability coverage. The policies covered depend on how your umbrella is written, so it’s worth reviewing the specifics with your agent.

Yes. Commercial umbrella insurance is designed to extend the limits of policies you already carry, so insurers generally require you to have qualifying underlying coverage, like general liability, in place before they’ll write an umbrella policy on top of it.

Excess liability insurance typically extends the limit on one specific policy without changing covered perils. Commercial umbrella insurance is broader, can extend across several underlying liability policies at once, and may also fill coverage gaps between them. Your agent can help you determine which structure best fits your business.

No. Commercial umbrella insurance is liability coverage, meaning it helps with costs you owe to someone else, not damage to your own building, equipment, or other property. Those losses are generally handled by a commercial property policy.

Whether liquor liability insurance is legally required depends on your state, and sometimes your municipality. Some states tie coverage directly to liquor license issuance or renewal. In contrast, others leave it to local licensing boards, landlords, or lenders to require proof of coverage as a practical condition of doing business. Check with your agent to confirm what applies where you’re licensed.

Host liquor liability applies to businesses that only serve alcohol occasionally, such as at a company holiday party, rather than as part of their regular operations. It’s typically included in a general liability policy at no extra cost, while a business that regularly sells or serves alcohol generally needs a standalone liquor liability policy. If your business hosts alcohol-serving events multiple times a year, it’s worth confirming with your agent whether a standalone policy is more appropriate.

The cost of liquor liability insurance generally depends on factors like your business type, alcohol sales volume, hours of operation, claims history, and any additional coverage options you add, such as assault and battery protection. An agent can walk you through how these factors apply to your specific business.

In most cases, standard general liability policies exclude claims tied to serving alcohol, so liquor liability is typically written as either a separate policy or an endorsement added to an existing policy. Availability varies by insurer, so it’s worth asking your agent which structure applies to your coverage.

Reducing the frequency and severity of claims through active risk management can contribute to lower premiums over time, though it’s not a guaranteed or immediate discount. Insurers generally weigh a combination of factors when pricing a policy, so consistent risk management is one piece of a long-term approach to managing costs.

No. Risk management applies to businesses of any size, since even a small operation can benefit from identifying its most common hazards, whether that’s a slip-and-fall risk or a data security gap. Your agent can help you determine which risk management resources make sense for your business’s size and industry.

Risk management assessments are typically conducted with support from your insurance agent, sometimes alongside loss control specialists provided by your carrier. Availability of these resources can vary by insurer and policy, so it’s worth asking your agent what’s included for your business.

Many carriers include basic risk management resources, such as safety guides and consultations, as part of a commercial policy at no extra charge. However, more in-depth services may incur an additional cost. Coverage and availability vary by insurer, so your agent can confirm what’s included with your specific policy.

teenSMART is a computer-based driver safety program designed for new drivers. It teaches evidence-based driving skills proven to significantly reduce teen driver accidents. The program was developed by and is administered by ADEPT Driver, Inc.

The teenSMART discount is currently not available on ErieSecure Auto policies except in Virginia, and in the future, Indiana, Illinois, and Wisconsin once ErieSecure Auto is introduced there. The discount is planned to be added to ErieSecure Auto in other states as a future enhancement.
Please note that the quoting tile will not be available for ErieSecure Auto policies.

Completion of the teenSMART program may qualify an eligible young driver for up to a 20% discount on the premium for the vehicle to which they are assigned. The actual discount amount may vary based on several factors, including:

• The auto rating program in use (e.g., Rate Lock vs. Traditional Auto)

• Whether the driver is already receiving a Driver Training Discount (DTD)

Policyholders can enroll in the teenSMART program by:

• Visiting https://www.adeptdriver.com/erie-teensmart/

• Calling the teenSMART order line at (877) 233-7879

The standard cost of the program is $119.95. Policyholders who enroll through Erie Insurance receive a discounted rate of $69.95.

Any driver up to the age of 20 on a qualified Erie Insurance auto policy who successfully completes the teenSMART program is eligible for the discount.

IMPORTANT: Erie Insurance receives automatic notification once a driver successfully completes the teenSMART program, and the discount is applied accordingly. AGENTS CANNOT MANUALLY ADD.

When multiple youthful drivers are assigned to the same vehicle:

• The rate is based on the principal youthful operator

• If multiple part-time youthful operators exist, driving rank determines the rate, with the highest-risk driver applying

• f the principal or highest-ranked driver did not complete teenSMART, the discount will not apply.

Policyholders may:

• Visit https://www.adeptdriver.com/erie-teensmart/

• Contact teenSMART Product Support at:

• Email:

• Phone: (800) 808-5678

• Hours: Monday–Friday, 8:00 a.m.–5:00 p.m. (Pacific Time)

The YourTurn program is Erie Insurance’s rewards-based telematics program for drivers. The program uses a mobile application to track insureds’ driving and provide rewards for good driving.

The YourTurn program incentivizes safe driving behaviors among insureds by allowing them to earn rewards for exhibiting safe driving behaviors.

All policyholders in participating states who have a private passenger auto and a smartphone with the needed technical components – including a gyroscope and properly-enabled location services – are eligible to participate in the program. All drivers on the policy will be eligible to earn rewards.

Note: the YourTurn app cannot be downloaded on the following phones due to these phones’ technical limitations – Samsung Galaxy Note II, Samsung Galaxy A10e, HTC One M8, Huawei Ascend P7, Blu Life One XL, Asus Zenfone 2

• Agents can enroll Customers in the program. After Customers are enrolled, they will receive an SMS (text) message welcoming them to the program.

• The enrollment text – which includes a welcome message and link to the app in the app store – should be sent to the customer within approximately 15 minutes of registering for the program.

• In some instances, we have seen users not receive these texts due to their networks perceiving them as spam messages. In the event that a text is not received, and the phone number has been validated as correct, the user can go to the app store and download the app directly and then complete the sign up process as instructed.

The YourTurn program is designed to help insureds become better drivers by incentivizing good driving behaviors through rewards and providing advice on improving their driving habits.

No – there is no fee to participate in the program.

No – other than a smartphone, no equipment is needed and the application is provided to participants free of charge.

• Overall score is a weighted average of five sub-scores (acceleration, braking, cornering, phone distraction, and speeding), with higher risk behaviors (like distraction and speeding) weighted more heavily.

• Because score is a rolling average, only the driver’s past two weeks of behavior are accounted for in the score. The two-week window is sufficiently long to not penalize drivers too heavily for one or two bad drivers, and sufficiently short that improved driving behavior will be reflected quickly, empowering drivers.

• The sub-scores (acceleration, braking, cornering, phone distraction, and speeding) are calculated based on the volume of events with respect to the total mileage driven over the previous two weeks. Sub-scores are also calculated on a two-week rolling basis).

Rewards are based on the score a driver receives during each two-week scoring period.  A minimum of 50 miles must be driven during the period.

Virginia, Maryland and West Virginia scores between 98-100 = $7.50 for adults.

Virginia Maryland and West Virginia scores between 98-100 = $15.00 for youthful drivers.

Virginia, Maryland and West Virginia scores between 95-97 = $5.00 for adults.

Virginia Maryland and West Virginia scores between 95-97 = $10.00 for youthful drivers.

Virginia, Maryland and West Virginia scores between 90-94 = $2.50 for adults.

Virginia Maryland and West Virginia scores between 90-94 = $5.00 for youthful drivers.

Pennsylvania scores between 95-100 = $5.00 for adults.

Pennsylvania scores between 95-100 = $10.00 for youthful drivers.

Pennsylvania scores between 90-94 = $2.50 for adults.

Pennsylvania scores between 90-94 = $5.00 for youthful drivers.

New Bonus (All YourTurn States): Drivers to receive an extra $5 reward for the driver’s first tracked trip in the YourTurn app

• Drivers can cash in their rewards for their choice of over 25 different types of gift cards or Visa prepaid cards.

• Rewards can also be donated to charity.

Yes, information indicating that a driver is participating in the program will print on the declarations page. An endorsement will also be attached to the policy.

No – participating in the YourTurn program will not impact a your rate.

There are several ways Customers can get information on questions they might have about the application:

• Accessing FAQs within the Help section of the application

• Emailing our support team using the “Email Us” function within the application.

• Contacting ERIE at

Customers who no longer wish to participate in the program should inform Truslow Yost Insurance Professionals at 866-672-2323 and uninstall the application from their phone.

If a user is not the driver for a trip, they can go into the trip list and tap on the steering-wheel icon. That will give them the option to label the trip as “Passenger”. Trips that they aren’t the driver for will not count against their score.

Standby mode can also be activated in the “Settings” section of YourTurn and tells the app “Don’t record any drives during this period of time.” Users might do that if they’re traveling and all of their trips are going to be via taxi or bus or train; or if their day job is as an ambulance driver and they don’t want those trips recorded; or, even if they’re just going to be a passenger in a friend’s car.

YourTurn® from Erie Insurance and Cambridge Mobile Telematics (CMT) is a smartphone App for iOS and Android that gives feedback about your driving, helping you become a safer and better driver. CMT provides smartphone-based end-to-end telematics solutions to customers.

YourTurn gathers data from position and inertial sensors and measures driving quality based on:

• Hard acceleration

• Hard braking

• Hard cornering

• Speeding

• Phone usage while driving

YourTurn shows you the following information about your driving habits:

• Dashboard – The top of the dashboard shows your overall score computed over the last two weeks of driving. Tapping on the score shows information about how your score was calculated. The rest of the dashboard has seven panels: rewards; the latest scored trip; optional Family program; your rank on the leaderboard; trends in performance over time; streaks showing how well you have done in avoiding phone distraction, speeding and hard braking; and recent achievements.

• Trip – Shows a list of all your trips. Each trip is scored on a scale from 1 to 5.

  Selecting a particular trip takes you to a map view of the trip and summarizes important events and score for the trip. Only the most significant events from a drive are shown on the map. The map also shows any excessive speeding and significant phone distraction.

  The App also classifies your trip as “Driver” or “Not driving” (passenger or another mode of transport). If the automatic classification is incorrect, you can change it by selecting the icon located next to the mode classified by the App. By keeping your transport modes accurate, the App learns your driving habits and classifies future trips more accurately.

• Driving Tips – The App shows personalized tips to improve your driving; these tips depend on the factors that are most responsible for lowering your score.

• Achievements – Drive well and accumulate badges for achieving safety milestones!

• Leaderboard – Win bragging rights over your friends and leaderboard competitors!

• Settings – Want to use only Wi-Fi to upload sensor data for a trip? Or get notified when results are available?

Some recorded trips are suppressed by the App, if they are short or don’t involve much driving, while some may be shown but flagged as “Not driving” based on our classification algorithms. If this classification is inaccurate, you can change it by selecting the circular icon showing the mode. You can also label several trips at once with the “Edit trips” option.

Yes, YourTurn has a limited effect on your phone’s battery. The effect varies from one smartphone model to another, and the age of the phone, but battery consumption is highest when the App uses the GPS. For this reason, we use a variety of sensors to maximize battery efficiency. Note that when the phone’s battery is less than 10%, or the phone is in power-saving mode, the App will not record any data.

YourTurn collects and analyzes driving data and displays an overall driving score assessed by combining hard braking, hard acceleration, hard cornering, speeding, and phone use. YourTurn calculates your score (out of 100) over the last two weeks of drives based on:

• Driving “smoothness”: hard braking, acceleration intensity, and hard cornering. These factors are correlated with accidents.

• Speeding: Respecting the speed limit decreases the risk of an accident, helps improve road safety, and improves your Score.

• Phone use while driving: YourTurn measures phone distraction on a trip. Drivers who use their phone while driving are more likely to get into an accident because they are distracted and cannot react in time.

“Inference” is the App’s estimate of your trip between the actual starting point of your trip and the moment when the App starts recording data. The route illustrated on the map may have errors and may not reflect your actual trip. The inferred parts of your trip are not taken into account when calculating your score.

YourTurn will learn about your individual driving style over time. By taking this into account, along with contextual signals, the App is able to determine whether you were a driver or passenger.

YourTurn classifies distracted driving based on phone movement and screen activation. When the car is moving at least 9 mph (not stopped), if your screen is unlocked and on, and YourTurn determines that the phone is being handled, your Score will be negatively affected.

YourTurn calculates your score based on the last two weeks of your drives, so the scored distance and number of scored trips is just the amount driven in the past two weeks.

The app will run in the background and should automatically detect your trips. Once a trip is finished, it will be uploaded to be classified and scored. The scored trip will appear back in the app in a few minutes.

iPhone – The iPhone requires the following for the YourTurn app to run and record drives appropriately:

• Cell Data should be turned ON

• Motion Authorization should be ON

• App Location Services must be set to ‘Always’

• App Location Services Precise Location must be turned ON

• App Background Refresh must be turned ON

• The app should be left running in the background; avoid force quitting the app

• Low Power Mode must be turned OFF

Android – Android phones require the following for the YourTurn app to run and record drives appropriately:

• Cell data should be turned ON

• App Location Services must be set to ‘Always’

• App Location Services Precise Location must be set to ‘Maximum’

• App Background Restrictions must be turned OFF

• App Adaptive Power Manager must be turned OFF

• Battery Save modes must be turned OFF

You will receive permission requests from your phone’s operating system once you’ve downloaded YourTurn. You must accept these requests to use the App’s features and benefit from them. These permission requests allow us to accurately measure your driving and calculate your Score.

No, the App works in the background and will collect your data any time a drive is detected. However, make sure that your device is charged and turned on during your trips.

First, check to ensure that location services are enabled for the app and that low batter/low power mode is not active on your phone. If the app was forced to quit, it stops everything the app is doing, including trip recording, and there may be a lag in recording when it is reopened. Additionally, there may be problems with the accelerometer or gyroscope sensors in the phone – resetting the phone may resolve this. Memory issues can also cause problems with recording and may be resolved by resetting the phone.

If you ever have to change phones or reinstall the App, you simply login under Existing Users. A PIN code will be sent to the email address you provided during initial registration.

If you need to change the email address associated with the app (which is where rewards will be sent when you redeem them), you can do this by navigating to the Profile section of the app and clicking on the email that is displayed there.

There are some minor cosmetic differences within the User Interface & Design of YourTurn between Android and iOS; however, the App retains full functionality and runs largely the same across both operating systems.

Standby mode is activated in the “Settings” section of the app and tells the app to not record any drives during this period. This can be used in the event that someone would like to pause app recording.

YourTurn records:

• GPS and location data

• Accelerometer data

• Gyroscope data

• Phone movement and screen activation data

• Time and date

• App usage

• Battery level

Respecting your privacy is an important part of our commitment to providing an excellent service and product. Your personal information and individually collected data will be available to both Erie and CMT, and will only be shared with third parties in accordance with the Erie Insurance Group Online Privacy Policy and Privacy Notice.