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What type of coverage do you need?

By: Andrea Moyerimage of bill pay online

Unless you are super shy of doing anything online (which is perfectly fine, by the way) you’ve probably had some experience paying your bills online.  Depending on the websites you’ve used and how well the bill payment procedures were set up, your experiences might have been seamlessly efficient or downright muddling.  Sometimes a simple omission is all that’s needed to turn a user-friendly operation into an endless frustration, but there’s good news!  This blog addresses a very common problem customers encounter when trying to pay their bills online through Erie’s website.

Erie offers online bill payment for their customers’ convenience, but unless the entries are correct, things can quickly go awry.  Online you have two options. If you have an account set up (using an email and creating a password) you can sign in and select which account you wish to pay.

While creating an account is the easiest and fastest way to pay your bills online, many customers prefer not to and that is totally fine.  You can still pay your bill online even if you don’t have an online account set up.  Simply refer the policy number (located on your bill) while making your payment.

Troubles arise when there is only one memo line entry and you’re trying to pay for more than one policy on that one line.  There must be a separate memo line entry for each policy or all premiums will be paid to the first policy number ever paid on that memo line, even if you type a different policy number in the memo line.  This is especially important if you use a bank bill paying service, as the bank does not recognize the policy number on the memo line, only the policy number attached to that line. Let’s say you have three policies with Erie and you use a bank bill paying service when you submit your payment for one or more of those policies.  You would need to have three entries so that the monies are credited to the correct account.  While you may be tempted to just pay everything all on one memo line, that would be counterproductive.  The bank will send the money to the first policy number ever used on that line.

This could lead to several discrepancies.  You, the customer, while believing your policies to be paid, will receive a notice telling you that you’ve missed a payment.  You didn’t; it just went to the wrong policy.  You might also receive a cancellation notice due to unpaid premiums.  Many people ignore these notices because they believe they’ve paid their premiums.  The trouble is, the payments went to the wrong policy.

If you have more than one policy with Erie, set up an individual memo line for each policy with your bill paying service so that monies go the correct account related to that line.  Since each bill paying service or bank may work a bit differently, we recommend talking to a representative at your bank to make certain you are set up correctly. It’s that simple and will save you loads of grief and aggravation. 

Perhaps you only have one policy with Erie. That’s great!  You’re home and dry.  Take advantage of our multi-policy discounts and referral rewards when you need to add additional policies to your account.  Contact one of our agents at our Perkasie (215) 257-9171 or Harleysville (215) 723-9805 locations and they will be happy to assist you with your personal and commercial insurance needs. 

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