Erie Insurance Group, named for its hometown in Pennsylvania, operates in the District of Colombia and twelve US states, including Maryland. The public insurance company offers home, commercial, auto, and life insurance policies. Founded in 1925, Erie was first listed on the Fortune 500 list in 2003 and ranked 381st in 2019. Erie is the 5th largest auto insurer in Maryland with 7.89% of the market share.
In recent news, Erie announced in April 2020 that it was reducing rates and paying dividends to its auto insurance customers during the coronavirus crisis. The $400 million relief plan is sensitive to the fact that its customers are driving less during the lockdown. Checks will be mailed directly to its insureds in May. It also donated $2.5 million to its agents to finance their support of local charities.
This extra effort is one of the reasons why Erie has consistently ranked high on customer satisfaction in J.D. Power studies. However, car accident victims with Erie collision insurance are more interested in what Erie is like on a practical level in the claims process. On this page, our auto accident lawyers share their experiences and thoughts on working with Erie Insurance. As a car accident victim or attorney, understanding who you are up against is key to maximizing the value of your personal injury case. Follow the links below if you have specific questions.
Erie Insurance is certainly not the worst insurance company for victims to go up against in personal injury auto accident cases. Erie settles the lion's share of its cases and is often very reasonable about settlement value after a lawsuit is filed.
More than some other companies, this insurer writes larger insurance policies, at least in Maryland. With so many insurance companies competing for business in a world where more people than ever are price shopping online, insurance companies are writing smaller insurance policies in exchange for lower premiums. Erie, on the other hand, still seems to write decently sized policies.
“Erie writes larger auto insurance policies than most other insurance companies.”
However, in large cases when the Erie insurance policy is worth millions of dollars, Erie agents still make settlement offers closer to the size of their midsized polices. We recently received a pretrial offer of $800,000 from Erie when the case was sure to be worth $2 million at trial, even taking into account Maryland's cap on non-economic damages. We are unsure why Erie offered $800,000 in this wrongful death case that involved significant pain and suffering and two wrongful death beneficiaries. Erie may have needed to see a lawsuit actually be filed or have more time to figure out the case.
Like most insurance companies, Erie will dramatically increase its settlement offer after a lawsuit has been filed. This applies in particular in Baltimore City or Prince George's County, Maryland's two best jurisdictions for victims. This insurer is often motivated to settle after a lawsuit is filed because it cares more than most insurance companies about its litigation costs.
“Erie settles most cases, but will dramatically increase its settlement offer after a lawsuit has been filed.”
Erie is not a bad insurance company to have as an adversary compared to many other insurance companies. But, this insurer has certainly had its fair share of ridiculous coverage denials. The good news is that Erie puts more money on the table after suit is filed. Erie, too, will sometimes surprise us with a reasonable settlement offer before a lawsuit is filed. The take-home message is that it’s hard to know what Erie will offer in any given case.
Like some other insurance companies, an Erie insurance adjuster will use a computer-based program called Colossus to assist in valuing accident claims. The computer tries to evaluate how much someone has suffered and has had to endure as a direct result of the crash—an impossible task for a computer. This is another reason why lawsuits are usually the best path to maximize the value of your lawsuit with Erie. An Erie adjuster, to their credit, will look at claims with a different and less computerized eye after a lawsuit is filed.
Erie Insurance Group does not have in-house counsel in Maryland or Washington, D.C. The company pays lawyers by the hour, or sometimes with a flat rate, to defend cases in Maryland.
Erie often relies on Rollins Smalkin in the Baltimore area and McCarthy Wilson in Baltimore and much of the rest of Maryland. These are not in-house company employee lawyers. They have also used Wilson Forte, a break off of McCarthy Wilson. These attorneys bill by the hour. Unlike State Farm or Allstate, Erie keeps this in mind when a lawsuit is filed. Because the attorneys' fees they incur are very real to Erie.
Though Erie Insurance claims are not handled all that differently from other insurance companies once they go into suit, Erie somewhat more receptive to settling cases for a reasonable number after their lawyers get involved. This is probably because the lawyers who have to try the case are more realistic about the settlement value of the claim. Avoiding higher legal bills also likely has something to do with this.
Erie’s attorneys have told us that "Erie Insurance Group" is a trade name and that they should be sued as "Erie Insurance Exchange." Erie’s claims support phone number is (800) 367-3743. After you file a claim, an insurance adjuster will contact you. When you sue Erie in Maryland, you serve:
Al Redmer, Jr.
Maryland Insurance Commission
200 St. Paul Place
Baltimore, Maryland 21202
Below are reported settlements and verdicts in which Erie Insurance was the insurance carrier or defendant. We think jury awards and settlement data in specific cases help both attorneys and victims get a handle on what a specific case is worth. It is also useful to show these verdicts to claims adjusters to make sure they are educated as to how other similar cases have fared. That said, keep these awards in perspective. We are not including every verdict we have had or that we have uncovered involving Erie. Instead, these are a selection of cases won by plaintiffs. One thing to notice: Erie does not try a lot of cases, at least not in Maryland.Maryland Verdicts and Settlements Involving Erie Insurance
- 2019, Baltimore City: $43,905 Verdict Plaintiff was driving with several passengers northbound on Edgecombe Circle when another driver going in the opposite direction ran a stop sign and struck the plaintiff’s vehicle. The at-fault driver fled the scene of the accident and was never identified. The plaintiff and all of the passengers in his car alleged injuries from the accident. Plaintiff and his passengers filed suit against his auto insurer, Erie Insurance, seeking damages under the uninsured motorist collision coverage on the policy. Erie denied the UIM claim and took the case to trial in Baltimore City where a jury awarded the plaintiffs $53,905 in damages.
- 2018, Baltimore City: $52,060 Verdict Plaintiff was a pedestrian crossing the street at a crosswalk in Baltimore City when he was struck by a hit-and-run driver. The plaintiff sought damage under the uninsured motorist collision coverage of his policy with Erie Insurance. Erie denied the plaintiff’s UIM claim and the case went to trial. A jury in Baltimore City found in favor of the plaintiff and awarded him $52,060 in total damages.
- 2017, Prince George’s County: $20,000 Verdict Plaintiff, a 51-year-old male, was driving on Brandywine Road in Clinton. When crossing through an intersection, another driver failed to yield on a left turn from a stop sign and hit the plaintiff, pushing his vehicle into another vehicle. The plaintiff suffered neck and back injuries including lumbar disc bulges and sought $38,000 in medical expenses and lost wages, plus pain and suffering. The defendant was insured by Erie Insurance. Erie refused to settle and the case went to trial where a jury awarded $20,000, which was significantly less than what the plaintiff was seeking.
- 2016, Prince George’s County: $101,557 Verdict Plaintiff, a 57-year-old female, was driving on the DC Beltway (I-495) near the Route 50 Exit when she came to stop for traffic and was violently rear-ended by the defendant in his Jeep Wrangler. The rear-end impact caused the plaintiff’s vehicle to roll over several times. The plaintiff suffered a cervical strain, a complex forearm laceration with degloving, and an open fracture of the left middle finger with permanent damage. The defendant denied liability for the accident and claimed that he was struck from behind by another driver who fled the scene. Following a 2-day trial, the jury found in favor of the plaintiff and awarded her a total of $101,557 in damages. The defendant was insured by Erie Insurance.
- 2015, Baltimore County: $350,000 Verdict Plaintiff was driving east on Maryland Route 175 near the Lowe’s in Columbia. The plaintiff came to a stop for a red traffic light when he was rear-ended at the front of a multi-car pileup. The plaintiff suffered cervical and lumbar spine injuries as a result of the collision. The plaintiff settled his claim for policy limits with the at-fault driver and then pursued a claim for additional UIM damages under his policy with Erie Insurance. Erie refused to pay any UIM benefits and the case went to trial where the jury awarded $350,000 in damages.
- 2012, Baltimore County: $135,000 Settlement Plaintiff was traveling northbound on Kays Mill Road in Baltimore County. He stops at a stop sign but is rear-ended by the Defendant. Plaintiff underwent a C5-6 cervical spine fusion. The big issue in the case was the fact that the client was disabled with prior similar injuries and had three recent traffic accidents. Also, there is only $1,200 in property damage to the plaintiff's vehicle. Still, Erie sought fit to settle the case for $135,000. Our law firm handled this case.
- 2012, Baltimore County: $36,500 Verdict Plaintiff and his passenger are approaching the intersection at Raphael Road and Mt. Vista Drive when the defendant driver speeds through a stop sign and runs into them. Both the plaintiff and his passenger receive injuries and sue the defendant driver and the car’s owner. Later, the plaintiff’s insurance carrier, Erie is sued for breach of contract when they fail to honor the plaintiff’s underinsured claim. Plaintiff contends that the defendant driver was negligent by failing to drive at a safe speed and for ignoring the stop sign and right of way. Defendants claim that plaintiff may have contributed to the crash by illegally heading through the intersection. The case is transferred from a Baltimore City Circuit Court to a Baltimore County court, and a jury awards a verdict against the driver and Erie, granting $36,500 in total damages.
- 2012, Frederick County: $35,000 Settlement Plaintiff is driving down New Design Road in Frederick. The defendant runs a stop sign and broadsides him. The plaintiff's car has little damage, but his doctor told us before we filed suit - and before his deposition - that his disc injuries were related to the car crash. At the doctor's deposition, he refuses to testify that the accident caused the plaintiff's injuries. The case settled shortly after that for obviously a lot less than we would have liked (our firm handled the case).
- 2011, Washington County: $300,000 Settlement A young woman is driving through Hagerstown when she is cut off by another woman. She was taken to Maryland Shock Trauma and diagnosed with spinal cord injuries. Erie tendered the policy limits in the case of $300,000. Our law firm handled the case. The woman had hundreds of thousands of dollars in medical liens but, thankfully, we negotiated these liens to pennies on the dollar and the plaintiff got a good recovery (although she would have got a great deal more if the policy had been larger than $300,000).
- 2018, Pennsylvania: $36,500 Verdict A woman suffered multiple disc herniations after a collision that took place at an intersection. The driver tendered his $15,000 policy to the woman. She sued her insurer, Erie, seeking her $50,000 UIM policy. The defense expert testified that she did not suffer any injuries from the accident. The jury ruled in favor of the woman, awarding her $36,500. However, this was reduced to $21,500 based on the previously tendered policy.
- 2012, Pennsylvania: $396,280 Settlement The sixteen-year-old plaintiff is riding through a light-controlled intersection when he is broadsided by an Erie insured defendant driver. The young boy sustains facial, pelvic, thumb, and femur fractures - all requiring surgery - tears to the bladder and rectum, and lacerations to the face and scrotum, leaving him with permanent disfigurement. Plaintiff argues that he entered the intersection on a green light and that the defendant was negligent in failing to yield the right of way. The driver claims that a strong sun glare caused him to believe that the red light was green. In Lancaster County, Erie Insurance Company agrees to pay a $396,280 settlement to the injured plaintiff.
- 2012, Virginia: $487,867 Verdict The defendant is driving next to the plaintiff on a highway when he slowly starts drifting into the adjoining lane. The defendant runs into the side of the plaintiff, then overcorrects and slams into the plaintiff again. Both vehicles spin out of control and end up on top of each other in a ditch. Plaintiff suffers extensive back injuries and is permanently disabled from working. He acknowledges a prior back injury and operation twenty years ago but states that he had not had any further complaints. Plaintiff additionally sues his carrier, Erie Insurance Company, to recover UM/UIM benefits. Defendant contests the severity of the victim’s injuries and argues the future lost wage claim was too speculative. A Spotsylvania County judge finds for the plaintiff and awards $487,867.
- 2012, Pennsylvania: $32,000 Settlement An eight and nine-year-old are riding in the back of their parent’s car when they are struck by a driver with Erie collision coverage. The accident causes several injuries including thoracic strains, myofasciitis, and emotional fear of driving in cars. The plaintiffs claim that the defendant failed to keep a proper lookout and to keep a safe difference between vehicles. The defendant denies liability but settles for $32,000 in Bucks County.
- 2011, Virginia: $275,000 Settlement A seventeen-year-old was killed in a single-vehicle crash when a car went off the road and overturned. The victim was a passenger in his friend’s vehicle. Defendant claims that the plaintiff was goofing off and grabbing the steering wheel. Plaintiff counters there were no fingerprints on the steering wheel and that skid marks on the scene indicated a gradual turn, not a sharp right turn. Plaintiff also sues Erie, who provided his insurance coverage, for UM/UIM benefits. During the trial, evidence of the deceased grabbing the steering wheel was ruled inadmissible. A Brunswick County jury originally returned a defense verdict, but an examination revealed that the banned evidence had made it to the jury’s deliberation anyway. A judge set aside the verdict and later ruled as a matter of law that Erie was liable for the crash.
Our car crash attorneys have fought and won millions of dollars in insurance claims against Erie. We are experts in every step of the claims process. If you need an experienced advocate to fight for you after a severe car wreck injury case, call our attorneys at 800-553-8082 or get a free online case evaluation.More information