Car Insurance is Mandatory in Most States – Make Sure You Are Protected

Do you know that car insurance is mandatory in 48 out of 50 states?

If you are a licensed driver in the Bethlehem, PA area, the Saucon Insurance Agency can provide the required coverage.

Why do you need car insurance? 

Because it can protect you from the expensive costs associated with an accident. As an insured driver, it can help pay for medical expenses, vehicle repairs, legal costs, and more.

As a Pennsylvania resident, knowing the minimum coverage limits required in your state is important. These limits are just a starting point, however. You may want to consider increasing these limits for greater protection.

  • Bodily injury liability covers the costs of the injury or passing of another driver. Pennsylvania has a $15,000 limit per person or $30,000 per accident.
  • Property damage liability covers costs related to the damage to another person’s property, such as a vehicle, home, and other buildings, when you are at fault. There is a $5,000 limit.
  • While uninsured motorist coverage is not a requirement, this coverage helps pay for medical expenses if another driver is at fault and has no coverage.
  • Underinsured motorist coverage also is not a requirement. Still, it helps pay for medical expenses if you are in a traffic accident and the driver at fault does not have enough liability coverage.
  • Comprehensive coverage pays for costs to repair or replace your vehicle if it has been stolen or damaged by vandalism or a weather event. This is not required in Pennsylvania.
  • Medical expenses coverage helps to cover injuries if you and your passengers are hurt in an accident. There is a $5,000 limit for medical or funeral expenses.
  • Collision coverage helps pay for costs associated with repairing or replacing your vehicle if damaged in an accident.

The Saucon Insurance Agency of Bethlehem, PA can provide you with answers to any questions you may have. Contact our office today.

Will a regular auto insurance policy cover a collector car?

Collector car insurance is a type of specialty auto insurance designed specifically for people who own rare or vintage cars. These policies offer several benefits, including comprehensive coverage and higher liability limits, that are not available with regular auto insurance policies. Collector car policies also tend to be more affordable than standard auto insurance rates.

How does regular auto insurance work when it comes to collector cars?

Regular auto insurance policies typically do not cover collector cars. This is because collector cars are often worth more than regular cars, and the coverage provided by standard policies is not always sufficient to protect them. Instead, collectors should look for a policy specifically designed for collector cars. This type of policy offers comprehensive coverage, which can help protect the vehicle from damage or theft, and higher liability limits, which can help protect the driver if they are sued after an accident.

What are some of the exclusions on a collector car policy?

Some of the common exclusions on a collector car policy include damage caused by racing or stunt driving, damage resulting from the use of the car in a commercial setting, and damage caused by an accident that occurred while the vehicle was being driven by someone who did not have a valid driver’s license. It is important to carefully read through any collector car policy’s terms and conditions before purchasing it to ensure that it provides the coverage you need.

Contact us today!

If you have any questions about your collector car, please call us at the Saucon Insurance Agency today. We proudly serve the Bethlehem, PA area. 

Three reasons you should have comprehensive auto insurance

Ideally, automobile owners should carry comprehensive auto insurance and liability and collision coverage. Saucon Insurance Agency can meet the auto insurance needs of vehicle owners in Bethlehem, PA. 

The following are three reasons why automobile owners should have comprehensive auto insurance. 

Automobile damage caused by events like flooding and theft is not uncommon.

Standard collision coverage won’t compensate a motorist for damage to their vehicle that results from incidents such as flooding and theft. At the same time, these events often cause financial loss for vehicle owners. That’s why comprehensive coverage is essential for complete auto insurance coverage. 

It can be stressful not to carry comprehensive auto coverage.

Auto insurance coverage should make it less stressful to own a vehicle. Going without comprehensive coverage can leave a motorist worrying about the loss of a vehicle due to theft, flooding, and other incidents such as fires. With comprehensive coverage, motorists have less to worry about and know that they are fully protected in the event of any damage to their vehicle. 

A comprehensive coverage policy may not be much more costly than a liability and collision policy alone. 

When motorists invest in comprehensive coverage, they get a lot of coverage by only spending a little more on their policy. Most motorists find that they only have to pay slightly more for comprehensive coverage than they have to pay for a more basic policy that only offers collision coverage to protect their vehicle’s value. 

Vehicle owners in Bethlehem, PA can benefit from investing in comprehensive auto insurance coverage. Get in touch with us at Saucon Insurance Agency today to learn more about auto insurance coverage!

What I Do When I File a Claim for my Auto Insurance

If you have an auto accident, you would need to contact your auto insurance company as quickly as possible since they need to manage it for you. Get your insurance policy number, toll-free telephone number for filing a claim, and give them what they ask for on the telephone call. Usually, your insurance company would contact you soon after you report your claim. They would want to see the problem, the damages on your vehicle. Be certain that you keep the information from your telephone calls, such as, the names of the customer service employees and the time frame that you talked to them, too.

Be inquisitive if you do not know what they mean, and find out the answers to all your questions. Make your records, too, with photographs and a written record of the damages. Contact Saucon Insurance Agency in Bethlehem, PA, if you have any worries in reference to your insurance company and how they are managing your claim. Wait to make any repairs until your insurance company tells you to, and otherwise you could have a problem, like a denied claim. 

When the inspection of the damages and paperwork has been taken from you, they would need to give you their information about accepting the claim and would tell you what to do next, such as find your auto repair shop. This is usually done quickly and helps you get back to your driving. 

Contact your Saucon Insurance Agency that serves Bethlehem, PA, for more information about what could be done, if there is a problem. This auto insurance company could give you the help you need if there is a delay and any explanation you would need if anything unusual happens.

How much general liability insurance do you need?

Your business in Bethlehem, PA is one of your greatest assets. Not only does your company provide revenue, so you can enjoy a comfortable lifestyle, but your small business also serves as a pillar in the community. What would happen if a customer were injured while at your facility? Do you have enough general liability insurance protection to guard against financial ruin? The agents at Saucon Insurance Agency can help you determine if your coverage is enough. 

Is general liability insurance required?

There is no state law that requires business owners in Bethlehem PA to have general liability insurance. You may, however, be required to show proof of such protection if you are leasing commercial space in town. 

You should not forgo general liability protection simply because it may not be required. Many small business owners are faced with the possibility of closure after an incident in which an injured customer’s medical bills and other expenses drain the company’s assets. 

How much general liability insurance do you need?

The amount of general liability coverage you need will depend on a number of factors, which include the type of business you are running as well as how often customers frequent the facility. 

In general, small business owners who have at least $500,000 in insurance protection can breathe more easily when the unthinkable happens. Entrepreneurs with upwards of $1 million in protection may find themselves fully protected when a customer is injured and demands payment for related recovery costs. 

Call Saucon Insurance Agency for help!

We have been around for years and understand the importance of the small business sector in Bethlehem, PA. Call us today if you feel your general liability insurance coverage may not be enough!

Is it Time to Update my Auto Insurance?

Auto insurance is a topic you cannot evade if you own a car. More still, because it’s mandatory to carry one in almost all states, including Pennsylvania. Also, remember the policy is essential as it cushions you against costs associated with accident-related cases.

Yes, you have the auto insurance policy, but have you ever asked yourself whether the coverage is enough? Imagine an incident involving your car, and your insurance informs you that this particular one is not insured. How devastating could this be? Well, that’s why it’s essential to update your insurance to avoid such incidents. 

But how do I know I should update my auto insurance? At Saucon Insurance Agency of Bethlehem, PA, we advise our clients to assess their auto coverages every year. However, your review doesn’t have to wait for a year when the below happens:

You have bought a new car

When you buy a new car, you need to transfer your old policy to reflect your new vehicle. The upgrade is necessary as a new car has a different sum assured different from your old vehicle.

You have a teen driver

If your teenage daughter or son starts driving your car, you need to upgrade your policy. Teenagers are considered risky drivers, and this will have an impact on your premiums. 

Your liability increases

Most people start their insurance policy by purchasing the minimum coverage required by the state. But with time, you realize the need to add your liability coverage to cover you optimally in case of a severe accident.

Auto insurance in Bethlehem, PA 

Upgrading your auto insurance policy is relatively straightforward. All you need to do is fill in the upgrade details in the renewal form. Ready to upgrade your policy? Call us at Saucon Insurance Agency for more information. Even if you are not sure whether your current policy is sufficient, talk to us for more details.

Will Auto Insurance Cover Natural Disasters?

Cars are subject to much of the same hazards as homes. When a storm hits, your main concern may be your house in Bethlehem, PA, but your car is in just as much danger. So if you buy a policy through Saucon Insurance Agency, is your car going to be covered?

Yes, If You Have Comprehensive Insurance

The minimum legal mandate says that drivers need to carry liability insurance. This means that if you are found to be at fault in an accident, you can cover the other party’s losses through your insurance.

But you are not required to carry comprehensive and collision. So if you want to make sure that you’re covered from storms, falling trees, and other random acts of nature, you’ll want to make sure that you have full coverage.

Collision will cover your losses in the event of a collision. But the keyword there is collision. If someone vandalizes your car, if it’s stolen, or if a boulder rolls down the hill and lands on it, collision won’t do you much good. That’s what comprehensive is for.

The short answer to any question of whether something is covered: Yes, if…

Almost anything that you can legally own, you can legally insure. You just need to read your policy over to find out.

If you have any questions or if you’re looking to get covered in Bethlehem, PA, get in touch with Saucon Insurance Agency and see what they can do for you. Saucon Insurance Agency can provide Bethlehem PA drivers with a good deal on a great policy so that they can drive safely, knowing that they’re covered against everything from head-on collisions to falling branches.

What is included with my auto insurance?

In the Bethlehem, PA area, owning a car is very common. Many people here end up purchasing a vehicle to ensure that they are able to get around town and complete their daily tasks. If you are in the market for a new vehicle, you should make sure that you get proper insurance coverage as well. A quality auto insurance policy is going to include a variety of different types of insurance coverage. 

Insurance Includes Liability Protection

One of the key advantages that come with an auto insurance policy in this area is that you will receive coverage for liability risk. Those that are at fault in any type of accident will need to pay for damages. If this does happen, your auto insurance will give you coverage up to the policy limit damages that you are responsible for. Additionally, having this coverage is a requirement that wants to drive a vehicle in this state.

Insurance Covers Assets

You will also want to have auto insurance because it can cover your valuable asset. A car is a major purchase that you need to protect. When you get auto insurance with comprehensive and collision coverage, you will be protected for almost any scenario that could result in a loss. This could be very valuable if your car is stolen or damaged. 

Those that are in the market for auto insurance in the Bethlehem, PA area should speak with the team at Saucon Insurance Agency. When you speak with the insurance team at the Saucon Insurance Agency you can learn a lot more about what your needs and options are when it comes to auto insurance. Based on this conversation, the team will then be able to help you get into a new policy that offers the right type and level of coverage. 

Is Auto Insurance Required in Pennsylvania?

If you own a vehicle in Pennsylvania, you’re required to have auto insurance coverage. Liability coverage protects other drivers and is mandatory by law. However, it’s not the only coverage available to you. You can also obtain coverage to protect your vehicle against theft and damage. If you need help choosing an auto policy, talk to an agent from Saucon Insurance Agency. We’ll explain your options and recommend the coverage best suited to your lifestyle. Here are some facts you should know about auto insurance in Pennsylvania.

Liability Coverage is Mandatory

Pennsylvania requires that you carry minimum liability coverage to pay for injuries and damages to others in accidents you cause. If you cause an accident where damages exceed this minimum coverage, you may have to pay the rest out of pocket. For your protection, it’s best to purchase more than the minimum liability requirement.

Auto Policies Offer Optional Coverage

In addition to liability coverage, auto policies in Bethlehem, PA offer optional protection in the form of collision, comprehensive and uninsured motorist coverage. You can pick and choose from this coverage to obtain the protection you want and need.

  • Collision insurance protects your car against crashes.
  • Comprehensive insurance covers theft and damage to your vehicle by non-collision causes, i.e. falling objects, vandalism, or inclement weather.
  • Uninsured motorist insurance protects you against uninsured and hit and run drivers. 

The more expensive your vehicle, the more protection you’ll need to cover its value. If you fall short in your insurance protection, you could wind up paying for damages out of pocket.

Auto Insurance Can Vary According to Need

You can customize your auto coverage in Bethlehem, PA to obtain the essential protection you need. This can save you money on your premium. For more information about auto policies and costs, call or visit Saucon Insurance Agency today.

Car insurance tips for teenage drivers in Bethlehem, PA

Your teenager’s sixteenth birthday can be a much-feared or much-anticipated day, depending on whether you are the parent of the teenager. It is a time when teenagers look forward to hitting the Bethlehem, PA roads. While a driver’s license could be their rite of passage, your teenager will still need something else, which is more essential and critical for their safety–An auto insurance policy.

If you’re worried about your teenager’s safety on the roads, you can always speak to us at Saucon Insurance Agency, and we will help you teach your teenager about safe driving and which coverages to purchase to protect them.

When it comes to buying insurance for your teenage driver, you have two options. You can either add your teenager to your auto policy or get them a separate policy. While adding them to your own policy only increases your rates a little more than double what you are paying, it is much cheaper than buying a brand-new auto policy.

Enquire about multi-policy discounts

Most auto insurance companies in Bethlehem PA offer discounts if you buy multiple policies from them. For instance, if you have a home, boat, life, and car insurance from the same provider, the company can offer various discounts based on your limits. As you shop around for the best deals, enquire about discounts for multi-policy.

Get an old safe car for your teenager

older cars come with many benefits. They are not only less expensive, but also tend to carry affordable insurance. Safe cars lower your insurance premiums as they are less likely to cause accidents.

Above all, educate your teen.

Having some of these conversations about insurance is critical in helping teenagers stay safe and become more responsible. Let them know that the more accidents they get into, the higher their insurance rates. Violating auto insurance and roadside rules can lead to license suspension and penalties.

Keep your teenager safe on the roads. Contact Saucon Insurance Agency if you have any questions, and our team will be happy to get back to you.