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AttaThis is in response to your letter dated and received December 14, 2015, regarding MrR***’s complaint related to the premium rate applied for the change of vehicles on his Erie Insurance Company Auto Policy and the cancelation of the R***’s Erie Insurance Company ErieSecure H [redacted] Policy.We have taken this opportunity to review the R***’s auto policy and find that effective October 12, 2015, Mrand MrsR [redacted] transferred vehicles on their Erie Insurance Company Auto PolicyAt the time of the quoted premium for the newly acquired vehicle, the quote did not consider the current rates being applied as of the effective date of the changeThe quoted premium is an estimated premium and is subject o adjustment based on ERIE’S filed rating planERIE is required to apply the filed rates applicable as of the effective date of amendments to the policy when processed.ERIE is in receipt of the Riegle’s request to cancel their Erie Insurance Company ErieSecure H [redacted] Policy and we are currently processing their request effective November 12, 2015,If you should need any additional information regarding the above, please feel free to contact me directly at ###-###-####.Sincerely,Gretchen [redacted] T***, AINS, AIS, CPIW Executive Assistant II Office? of? the President

This is in response to your letter dated November We are sending a copy of this letter to Ms [redacted] forher information.When Ms [redacted] requested cancellation of her Policy [redacted] the policy was canceled at her request and afinal bill was mailed to her indicating that $was due tip to the cancellation date oF June theAgent started a new policy for her effective June under Policy [redacted] Howeveras sheindicates in her lettershe obtained insurance through another carrierWe have received proof of replacementcoverage effective 7/8/so the policy will cancel as of that dateThere ? will be a small premium owed or theperiod of time our policy was in Force From 6/30/16-7/8/16.We sincerely regret that our customer was dissatisfied and believe this matter is now resolvedIf furtherinformation is neededyou may contact me at ###-###-####extension ***.Sincerely.Denise H***, API AIS, AINSCPIWExecutive Assistant IIOffice of the President

Dear Ms [redacted] :This is in response to your letter dated November 22, 2017, which we received on the same date.In reviewing the customer’s Complaint to your office, we offer the following informationMs [redacted] was involved in an accident under her ERIE Automobile Policy on September 2, 2017, and she was found at fault for the incident According to our file information, she submitted no damages to her vehicleWe are in the process of settling the damages with the claimant that was struck by Ms [redacted] in that accident.However, the complaint also includes an issue with car registration, in which ERIE was not involvedShe states that her car was reported junked from the accidentHowever, ERIE did not total her vehicle, nor did we provide any Collision coverage as she did not have Collision coverage on her policyIf the vehicle is reported as totaled, it may have been from a prior incident before she was insured with ERIEThe inception date of ERIE’S policy was February 23, 2017.With regard to the Complaint that the adjuster was ignoring her phone calls, the file information reflects several messages left for [redacted] during the claims processWe regret that she is unhappy with the service that she received.We trust this is the information you are seekingIf further information is needed, you may contact me at [redacted] .Sincerely,Denise H***, API, AIS, AINS, CPIWSrExecutive Resolution ExaminerOffice of the President

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint.? For your reference, details of the offer I reviewed appear below I reached out back to Erie Insurance Adjuster, Supervisor and he said they will cover portion of the damage, so I asked for reference contractor companies to provide an estimate on the damage repair and restoration to its original condition.After Erie provided few restoration companies, of them were at my house for estimates last weekof the contractors pulled himself out of the bid due to his conversation with the insurance company and I was told, he will wait until the Insurance and I work things out before he moves forward with an estimate.2nd contractor advised me over the phone, "he is Fighting with the insurance for the proper coverage" while I still don't have an estimate on cost of the job to match the tile.3rd contractor is also working back and forth on the estimate, "working with the insurance company."My guess is that the insurance company is "guiding" the contractors on what to write or not to write in their estimate (hence contractor pulled out, another not returning my calls).Yesterday I checked with the local tile store about matching or buying more of the same Tile (Natural Stone) to match the shower floor and portion of the wall that will be taken out for the repair and was told they do not stock that tile any more and given its a Natural Stone, they will never be able to match it to its original condition.This shower was built about years ago, using an imported Natural Stone, used a designer to match the tile sizes and finishes across the room.when I called the Adjuster Supervisor about that "Guidance" he said he will call those companies to provide me those estimatesAs of Today, days after the contractors were at my house, I still do not have an estimate from the General contractors, suggested by Erie Insurance(including another contracting company I reached out directly)I also asked the supervisor to come in person to look at the shower, given its design and natural stone layout.This is already going on for few good weeks, which caused us to not use the shower or start repairing it and our guest bedroom underneath has an open ceiling and can not be used Regards, [redacted]

Dear Ms [redacted] :Thank you for your letter dated January 23, 2018, received in our office that same dateIn follow up of our two (2) prior responses to your office, Ms [redacted] is now stating that she never signed up for a tenant insurance policy with ERIE.Our records confirm that the insured bound coverage effective the policy inception date of September 14, ERIE maintains on file a copy of the signed application of insuranceMs [redacted] signed the application on September 13, Ms [redacted] selected the account billing option, and has made all premium payments for each renewing policy with the last payment sent to ERIE on February 16, 2017.ERIE stands by our current decision to cancel the above-captioned policy effective November 19, 2017, for non-payment of premiumERIE maintains the insured at no time provided ERIE Agent advanced written request to cancel the above captioned policyAny earned premium owed will remain dueBelow you will find the policy condition applicable to the insured’s concerns:(2) CANCELLATION Your Right to CancelYou may cancel this policy by mailing or delivering to our Agent or us written notice stating at what future date you want the cancellation to take effectWe may waive these requirements by confirming the date of cancellation to you in writing.We believe we have provided the information to assist with your investigation into the insured’s concernsIf you require additional information clarity, please contact our office at [redacted] , extension ***.Sincerely,? Stephen [redacted] R [redacted] Sr., ACS, AINS, AIS, AU, CICSenior Executive Resolution Examiner Office of the President?

Thank you for your letter dated February received in our office on February You requestERIE review and respond to Mr [redacted] concerns regarding his submission for electronic fund transfers and apending premium amount due For his automobile policy.In review of our file, the following events occurred:ERIE's Agent bound a policy to provide Mr***’s automobile insurance protection effective January5, Mr [redacted] elected a pay plan option for automatic electronic fund transfer to make hispremium payments.• When ERIE attempted to withdraw a predetermined premium amount from the information provided forMr***'s financial institution, the payment request was returned to us as an invalid bank accountnumber.• When ERIE was unable to withdraw payment from the information provided to us, we amended Mr.***'s electronic fund transfer pay plan option to a monthly billing cycle.• Mr [redacted] purchased replacement coverage with another carrier and cancelled the ERIE Auto Policyeffective January 27, 2016.• ERIE cancelled Mr***’s policy as requested and mailed a Final Statement of Policy Balance to himon January 28, 2016, indicating an earned premium amount due of $This notice confirmed thepolicy terminated on January 27, 2016.While it is never a pleasure to find that any policyholder has concerns such as this with ERIE, premium remainsdue for the time period coverage was in place and was charged in accordance with policy provisionsTherefore,earned premium remains due in the amount of $96.00.Thank you for providing ERIE the opportunity to respond to Ms [redacted] complaintIf you would like anyadditional information or clarification, please do not hesitate to contact me by phone at ###-###-####, or by faxat ###-###-####.Sincerely,Stephen [redacted] R [redacted] ***, ACS, AINS, AISAUCICExecutive Assistant IIOffice of the PresidentSR:c:

This is in response to your letter dated August 7, 2015, which we received on the same date.The above policy is a Personal Automobile Policy issued to Ian ***Mr [redacted] had selected to make his paymentsthrough our electronic funds transfer option, in which 1/12thof the premium is deducted electronically from thecustomer’s bank account each month, for the months of the policy termMr***’s payments are withdrawnon the 12th of each monthIn July, Mr [redacted] made an electronic payment online on July 8, 2015, which wereceived on the 10thWe are enclosing a copy of a draft notice, which clearly states that three business days areneeded in order to stop or change a withdrawal under this payment planJuly 8, was a Wednesday, andJuly 12, was a Sunday; therefore, there were not three business days as required in order to stop the draft.Mr [redacted] would have had to notify ERIE of his intention to stop the automatic draft.The payment was drafted, as it had already been electronically sent to the bankAccording to the customer, thisresulted in their account being overdrawnHe was charged a $nonsufficient funds fee from ERIE when thepayment was returned, as well as incurring a charge from their own bankERIE agreed to credit Mr***’s policy$for the insufficient funds fee imposed by us, given the fact he did make the manual payment for July andwe agree to make a one time exceptionHowever, the customer is asking us to reimburse the fee he was chargedby his bank, and we have declined to do soThe customer had been informed on the invoice of the three businessdays requirement to stop a bank withdraw; therefore, we don’t believe the responsibility for this error belongs toERIEAs such, we can only credit our own fee, but we can’t be responsible for the fee the bank imposed whenMr***’s account was overdrawn

Dear Ms [redacted] :This is to confirm receipt of your letter dated November 29, 2017, received in our office that same dateYou request ERIE review and respond to the complainant’s, Mr [redacted] , concerns regarding the handling of his claim occurring October 20, 2017.In review of our file, the following chain of events occurred:• 11/7/- Mr [redacted] contacted our insured’s agent to discuss a possible claim with a reported loss date of 10/20/Mr [redacted] reported he was walking his son’s dog, when the dog pulled on the leash causing him to fall to the ground causing possible bodily injuryMr [redacted] is considered as an additional insured under this policy of insurance due to being a homeowner and member of the association.• 11/8/- ERIE’s investigation to this point included a discussion with our insured, an officer of the association boardERIE also left a voicemail message for Mr [redacted] to call to properly service his claim.• 11/13/- ERIE’s Claim Department spoke to Mr [redacted] and requested he provide a recorded statement to help us obtain information regarding his claimMr [redacted] stated to ERIE that he is not willing to cooperate and provide any statementMr [redacted] then requested an “accident report form”.• 11/20/- ERIE spoke to Mr [redacted] when he stated that he hasn’t filed any claim yet and he is uncertain if he is pursuing any claimMr [redacted] stated he would not provide a recorded statement without his attorney presentMr [redacted] requested an “accident report form” and that he would complete it in the event he decided to file a claim with ERIE at a later dateERIE confirmed with Mr [redacted] at this time that we have no such form and that he was welcome to send to us a written description of the incidentERIE has not received any written description of the accident to this point.Mr [redacted] states in his letter that he would like to submit a written accident report to ERIE in the event he wishes to pursue this claimERIE stands ready to service this claim for Mr [redacted] in the event he wishes to provide a written description of this incident.Thank you for providing ERIE the opportunity to review the claimant’s concerns and provide additional support to our insuredIf you have any additional questions or concerns, please contact our office at ( [redacted] .Sincerely,Stephen *R [redacted] **., ACS, AINS, AIS, AU, CIC Senior Executive Resolution Examiner Office of the President

This is to confirm receipt of your letter dated March 9,received in our office March You requestERIE review and respond to the insured’s concerns that he did not receive a copy of the appraisal report for hisdamaged vehicle.Upon receipt of your letter, ERIE mailed a copy of the requested appraisal report for the claim occurring January)30, 2016, to the attention of Mr***Our records indicate that ERIE mailed a copy of the appraisal to Mr[redacted] on February 22, We apologize if Mr [redacted] failed to receive that document or that it could have beenmisplaced.Thank you for providing ERIE the opportunity to review the claimant’s concerns and provide a copy of theappraisal to our insuredIf you have any additional questions or concerns, please contact our office at [redacted] ***Sincerely,~-~ar~r4.Stephen [redacted] R [redacted] Sr., ACS, AINS, AIS, AU, CICExecutive Assistant IIOffice of the President

Dear Ms [redacted] :Thank you for your letter dated January 23, 2018, which we received in our office on January 24, You request ERIE to review and respond to the insured’s concerns regarding the billing of their Erie Automobile Policy.According to Ms [redacted] s ERIE Automobile Policy, she is enrolled in ERIE’s ExpressPay billing planThis plan is designed for consecutive payments which are automatically debited from our policyholder’s checking or savings account on the same day each monthThere is a notice which is sent to the insured before the first draft giving them their scheduled drafts and their amountsNo further notices are mailed, unless there is a change in premium greater than $5.00.Ms [redacted] s eighth payment was scheduled to be debited on January 23, which Erie sent notification to Ms [redacted] s financial institution on January 21, 2018, in order to ensure timely paymentPrior to this MsColaizzi made a manual debit card payment on January 18, This payment did not post to the account until January 22, which was after the date we notified the financial institutionTherefore, the automatic debit by ERIE was still processed.Erie Insurance Customer Service needs between 3-business days before the draft to prevent the automatic debit from occurringThe other way is to make a payment at least business days prior to the ERIE ExpressPay payment occurs.The insured did contact Erie Insurance to discuss the double payment and rectify their concernsErie has agreed to issue a refund check to the insured for $This refund check will be mailed to the insuredSince this was not an ERIE error we will not reimburse any banking fees that she may have incurred.Based on this information we feel that Erie has resolved the customer’s complaints, if you have further questions please contact me at [redacted] ***.Sincerely,Nicholas K [redacted] Executive Resolution Examiner IOffice of the President

Thank you for your letter dated March I, 2017, received in our office that same dateYou request ERIE respond toMr [redacted] concerns that we denied coverage for a claim that occurred four (4) days after his policy cancelled fornon-payment of premium.In review ofour file, ERIE mailed a Cancellation Notice to Mr [redacted] on December 19, 2016, advising his policywould cancel for non-payment of premium effective January 20, The letter further stated that if payment werereceived before such date the policy would be reinstatedWhen payment was not receivedERIE mailed a FinalStatement of Policy Balance to Mr [redacted] on February 9,2017, notifying him the policy cancelled effective January20, 2017.Because ERIE provided proper notification in advance of the policy cancellation and the accident, we properlydenied coverage for this claim.We believe this information should be sufficient in assisting you close your fileIfyou have any additional questionsor require clarification, please contact me directly at ###-###-####, extension ***.Sincerely,Stephen *R [redacted] Sr., ACS, AINS, AIS, AU, CICExecutive Support DepartmentOffice of the President

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.? Regards, [redacted] ***

Revdex.com:Thank you for your reply! I am still not understanding how we did not receive any invoices prior to sending to a debt collection agencyWhen the declaration page was sent over to us, we were informed that it was an update to the policy and not an actual billWe did not pay the debt agency, we went through [redacted] 's insurance to pay [redacted] 's insurance also looked up our account and saw we had a zero balanceIm not negating the $that was owed, Im negating your collection practices I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.? Regards, [redacted]

This is to confirm receipt of your letter dated April 7, 2017, received in our office that same dateYou requestERIE review and respond to Mrs***’ concerns regarding the handling of her claim occurring March 25, 7.In review of our file, a claim occurred on March 25, 7, when our insured, while operating her automobile,struck a deer causing damageMrs [redacted] expresses concern she has not heard from ERIE in three (3) weeksregarding payment for repairs to her vehicle and rental coverage until her vehicle can be repaired.Upon receipt of your letter to our office, we confirmed that the insured selected her own repair facility in lieu ofan ERIE direct repair facilityERIE inspected the insured's vehicle at her place of employment on March 30,7, and provided copies of the estimate to both the insured and the insured’s auto repair facilityERIE spoke tothe insured on April 7, and advised the repair facility caused delays regarding required paperwork andawaiting delivery of parts that were outside of both ERIE ’S and the repair facility’s controlERIE again spoke tothe insured on April 1, to advise the insured her auto repair facility continued to wait on parts and that acheck would be overnighted to her once the repair vendor was approvedERIE confirmed approval of the vendorand issued payment to the insured on April 17, ERIE also confirmed on that same date that the auto repairfacility continues to wait on the bumper for the insured’s vehicle, and that ERIE is in agreement to extend avehicle rental as needed.Thank you for providing ERIE the opportunity to review the claimant’s concerns and provide additional supportto our insuredIf you have any additional questions or concerns, please contact our office at ###-###-####.Office of the President

Dear Ms [redacted] :This is response to your follow up letter of May 16, 2018, which we received on the same day regarding Ms [redacted] ’s request that ERIE explain why the misapplied payment to her policy took ERIE so long to catch.Considering the amount of payments we receive on an annual basis, when a payment is misapplied it can take a substantial amount of time to track down the errorAs soon as we did catch this error we took the appropriate steps to notify both policyholders that were involved and worked to get this money transferred to the appropriate policy.As I stated in the prior response, Ms [redacted] received money that was not hers and we have an obligation to recover that amount from her so that it can be given to the correct policyholder.Again, we apologize to Ms [redacted] and for the burden this has placed on herIf we can provide additional information or clarify any item, please do not hesitate to contact me at [redacted] .Sincerely,Becca S [redacted] Executive Resolution ExaminerOffice of the President

This is in response to your letter of June 15, 2018, which we received on June 18, 2018, regarding the debt collection invoice that Mrand Mrs [redacted] received due to adding coverage for the Cadillac ATS.We understand and apologize for the confusion regarding the debt collection and the remaining premium balanceI have listed below a timeline that led to the request of the $from the debt collection agency.1)On April 30, 2017, ERIE renewed Mrand Mrs [redacted] s Policy which provided coverage for the Honda Accord EX and the Cadillac SRX Luxury.2)On March 20, 2018, Mrs [redacted] called and advised ERIE to cancel their auto policy effective April 30, ERIE began to process this request.3)On April 12, 2018, ERIE sent a Final Statement of Policy Balance advising Mrand Mrs [redacted] that the policy will terminate effective April 30, 2018, and that they had a $balance due.4)On April 13, 2018, Mrs [redacted] advised ERIE that she had purchased a Cadillac ATS and requested coverage for the vehicle from April 13, until the policy cancellation date of April 30, 2018.5)On April 16, 2018, ERIE mailed out a New Auto Policy Declarations page showing the addition of the Cadillac ATSWithin the Declaration page it states “premium change as a result of this amendment: $71.00”Please see the enclosed Declarations page.6)On April 30, 2018, the policy terminated.Because the policy was cancelled effective April 30, 2018, ERIE did not invoice for the $ERIE sent this amount to the collections agency in order to recuperate this amount from Mrand Mr [redacted] Because they paid this amount back to the collections agency, the collection account is now closed and this will not be reported to the credit bureau.If we can provide additional information or clarify any item, please do not hesitate to contact me at ###-###-####.Sincerely,Becca S [redacted] Executive Resolution ExaminerOffice of the PresidentEnclosures:1) Amended Declarations Page

Morning [redacted] I have been contacted and the issues has been resolvedThank you guys so much for everything you do!!

This is in response to your letter of July 4, 2018, which we received on July 5, Ms [redacted] ’s request that ERIE cover 100% of the charges for the June 22, 2018, claim and subrogate against the at fault parties insurance carrier for recovery.According to our claim file, Ms [redacted] ’s father, [redacted] , was the vehicle operator during the June 22, 2018, lossMr [redacted] had permission to operate the vehicleERIE obtained a statement from Mr [redacted] who states that the claimant’s vehicle came along side of him in the left hand lane and struck the vehicles driver’s side mirrorPer our claim notes, Ms [redacted] is waiting for ERIE to obtain the claimants information and attempt to go through their insurance carrier for repairs to her vehicle.Ms [redacted] is requesting in her complaint that ERIE pay the full amount for the damage to her vehicle without subtracting her deductibleUnfortunately, we have not yet received the police report for this loss, nor do we have any of the claimant’s informationTherefore, we are unable to waive her deductible at this time.Please see our policy language below:OUR PROMISE-Collision CoverageIf Collision Coverage is indicated on the “Declarations,” “we” will pay for “loss” to an “auto we insure” and its equipment caused by collision or upsetIf the “loss” is to an “owned auto we insure,” “we” will only pay if “you” purchased Collision Coverage for the “owned auto we insure.” “We” will pay for “loss” less the deductible shown on the “Declarations.”“We” will not subtract the deductible if the accident is between an “auto we insure” and another “auto:”1.insured by the Erie Insurance Group not insured by the Erie Insurance Group, if:athe “loss” to the “auto we insure” is greater than the deductible amountbthe owner of the other “auto” has been identified;cthe owner or operator of the other “auto” is solely liable for the “loss;” anddthere is adequate property damage liability insurance which protects anyone responsible for the “loss.”Regardless of fault, Ms [redacted] is responsible for her $deductible at this timeIf ERIE finds that the other party also has ERIE Insurance, or if the other parties insurance carrier advises ERIE that they have accepted 100% liability, we will then be able to waive Ms [redacted] ’s deductible.Ms [redacted] does have the option to utilizer her policy and pay her $deductibleOnce ERIE receives the police report, as long as it corresponds with Mr [redacted] ’s statement and places the other party 100% at fault, ERIE will attempt to subrogate the claimant’s insurance carrierIf the claimant does not have automobile insurance, ERIE will attempt to subrogate the claimant directly.We apologize to Ms [redacted] and for the burden this has placed on herIf we can provide additional information or clarify any item, please do not hesitate to contact me at ###-###-####.Sincerely,Becca S [redacted] Executive Resolution ExaminerOffice of the PresidentEnclosures:c: Hallman Agency LLC, AA6005c: Leah M [redacted] ,Pittsburgh Branch

Dear Ms [redacted] This letter is in response to your correspondence dated November 14, 2017, and received in our office on November 14, 2017, regarding Mr***’s complaint related to an accident occurring October 1, 2017.This accident in which [redacted] was involved took place on October 1, at the intersection of Lober Street and Washington Lane in Philadelphia, PAThe claim was received by ERIE on October 10, and assigned to Liability Adjuster Shannah B [redacted] and Liability Supervisor Kimberly H [redacted] ERIE Policyholder [redacted] reported the loss and provided information that indicated [redacted] ran a red traffic light causing this motor vehicle accident.On October 11, 2017, a letter of representation was received from attorney [redacted] stating that he was representing Mr [redacted] in reference to this claim.ERIE obtained a statement from our Policyholder Mr [redacted] on October 11, Mr [redacted] advised in his recorded statement that while stopped at the intersection of Washington and Lober, Mr [redacted] was attempting to proceed through the intersection while the traffic signal was redAs a result of running the red light, Mr [redacted] struck Mr [redacted] ’s vehicle which was at a complete stop.On October ^ 2017, the attorney for Mr [redacted] had called and requesting status of the investigationHe was advised that the investigation was pending and that the police report was needed to finalize the investigationThe attorney had stated that he would also request a copy of the police report and, once obtained, get back in touch with ERIE.A woman named [redacted] called ERIE on October 27, and left a voice mail for the Liability Supervisor Kim H [redacted] advising that she was a witness to the accident and wanted to provide a statementKim H [redacted] sent a note to the handling adjuster Shannah B [redacted] to contact the witnessShannah B [redacted] attempted to call [redacted] and a message was left.The attorney for Mr [redacted] provided a copy of the police report on November 16, The police report was filed the following day after the accident by Mr [redacted] onlyThere is no information listed for Mr [redacted] There was no version provided to the police to reflect Mr [redacted] ’s version of the accidentThe report notes a witness named ***, but provides no last name or address.The current status of the liability investigation is pendingMr [redacted] is claiming that Mr [redacted] ran a red light and struck his stopped vehicleMr [redacted] provided a statement to the police that Mr [redacted] turned into his vehicleThe police report was filed by Mr [redacted] onlyThe witness is listed as [redacted] only, and no statement has been obtained to dateFurthermore, this witness information was provided by Mr [redacted] only and not in the presence of the policeBased on the information available to date, there is no clear indication as to which party is at fault for this loss.As a result, the investigation continues with attempts to reach the witness for a statement and determine her credibilityIf the witness cannot be reached, a final decision will be made based on the information obtained to date.If we can provide your office with additional information or clarify any item, please do not hesitate to contact me at [redacted] .Sincerely,Karen A [redacted] , CPCU, AIM, AINS, AIS, CPIW Executive Resolution Consultant Office of the President [redacted]

Thank you for your letter dated August 16, 2017, received in our office on August 23, You request ERIE review and respond to Ms [redacted] concerns regarding the cancellation of her personal automobile policy effective July 1, 2017, for non-payment of premium.Ms [redacted] states that she chose not to renew her auto and homeowners insurance with ERIEShe further states in her letter that she provided her agent with proof of new insurance and that she is not aware of any law that says I have to renew my insurance with any specific companyBelow you will find a copy of the General Policy Conditions applicable to Ms [redacted] concerns:RIGHTS AND DUTIES—GENERAL POLICY CONDITIONS“We,” “you” and anyone else protected by this policy must do certain things in order for the terms of this policy to apply.DEFINITIONSThe following words and phrases have a special meaning when they appear in bold type and quotations in the RIGHTS AND DUTIES—GENERAL POLICY CONDITIONS Section.• “Anyone we protect” means:“you” and “your” spouse, if a “resident” of “your” household; andpersons or organizations defined as “anyone we protect” in the LIABILITY PROTECTION Section orany applicable coverage.CONTINUOUS POLICYThis policy is a continuous policyIt will continue in force until cancelled by “you” or terminated by “us” as explained in the Termination ConditionEach year “we” will send “you” a “Declarations” that shows the premium due for the next policy period.In return for this service, “you” must mail “us” written notice prior to the new policy period if “you” want to cancelIf “we” do not receive this notice, this policy remains in force and “you” must pay “us” the earned premium due for this time.TERMINATIONCancellation“You” may cancel this policy by mailing or delivering to “our” Agent or “us” written notice stating at what future date “you” want the cancellation to take effect“We” may waive these requirements by confirming the date of cancellation to “you” in writing.***“We” reserve the right to cancel for “your” noncompliance with “our” premium payment plans“We” do not waive “our” right to cancel, even if “we” have accepted prior late payments.If this policy is cancelled, “we” will return the pro rata unused share of “your” premiumCancellation will be effective even if “we” have not given or offered any return premium.Upon receipt of your letter to our office, we contacted the ERIE Agent who confirmed and based on their file, at no time did the insured provide a written request to cancel this policy prior to renewal, nor did she provide proof of coverage with another insurance carrierThe agent states they will reach out to Ms [redacted] in efforts to provide further assistance.We believe the information provided should be helpful in assisting with your investigationIf you require additional information or clarification, please contact our office at ###-###-####.Sincerely,Stephen *R [redacted] Sr., ACS, AINS, AIS, AU, CICExecutive Assistant IIOffice of the President