How Long Does It Take For My Toy Insurance Claim To Be Processed?

Most claims are processed within a few short weeks, but it will depend on the type of claim and the company. Ensure you keep an eye on your claim status online to stay informed. You can also contact a retailer and request coverage from them. Check with Saucon Insurance Agency for professional help in Bethlehem, PA. 

The Processing of a Toy Insurance Claim

The reimbursement process for a faulty toy can vary depending on the manufacturer and their claims policy. Most manufacturers offer a standard warranty that covers manufacturing defects. However, if you have purchased your toy from a third party, it is vital to research the toy warranty policy. Also, buy from a company that offers an acceptable warranty. 

Most manufacturers have a standard policy where claims take 30 and 90 days. Most companies take a few weeks to process a claim. It can take as little as a few days or several months to process the claim. 

Keep track of the purchase date and receipt details when making a claim. It is also a good idea to take photos of the damaged toy and the packaging so that your claim is easier to prove. Most policies are covered within 30 days of the date of the claim. Some may take longer. 

If you are not happy with your claim’s process or response time, you can contact the claims department of the specific insurance company. You can also consider changing your provider. 

If you decide to keep your current provider, keep good records of your correspondence with them. If you want to change providers, switch to a company that offers a similar level of customer service. 

Key Takeaways 

Once your claim is approved, and the funds are transferred, the next step is to arrange for your delivery! Contacting customer service can expedite the process. For expert help in Bethlehem, PA, reach out to Saucon Insurance Agency.

How Flood Insurance Works

As a homeowner, it’s vital to protect your home in every way possible. A flood insurance policy can protect you from one type of disaster that can cause untold damage to your home. Call us at Saucon Insurance Agency in Bethlehem, PA to get started if you need flood insurance. 

Home Insurance and Flooding

Several causes can lead to flooding and different kinds of floods. Most of the time, home insurance doesn’t cover floods in their policies. If a flood struck your home and you had no flood insurance policy, all the damage would be yours to repair or even rebuild. This is why having a flood insurance policy and your home insurance is crucial.

Who Should Get Flood Insurance?

Many people only consider getting flood insurance if they are in an area at high risk for floods. These areas tend to be close to bodies of water with a history of flooding or where the land is situated is vulnerable to flooding. However, among flood claims, about 20% of them come from areas that aren’t high-risk flood areas. If the affected people had not signed up for flood insurance, they could have been left with nothing. It is recommended for everyone eligible to get coverage from the National Flood Insurance Program. 

Backing for Flood Insurance

The National Flood Insurance Program backs flood insurance. It will cost the same amount no matter where it is offered. It comes from the government, and the government sets the pricing. This makes it easy to get a policy with no shopping around required. 

Insure Your Home Against Floods

Call us at Saucon Insurance Agency in Bethlehem, PA to get flood insurance.

How would you benefit from having boat insurance in Pennsylvania?

Those who live in the Bethlehem, PA area will know there are a lot of great lakes and local waterways in the area to enjoy during the warm months of the year. One way to maximize your experience during this time is by getting your own boat. Along with selecting a boat, you also need to choose a boat insurance policy. This coverage will provide various benefits to ensure you and your boat are covered. 

Reduce Liability Risk

One of the ways you can benefit from having a boat insurance plan is that it can reduce your liability risk. There are always risks that come when you have a boat. Fortunately, you can reduce this risk when you have boat insurance, as it will include a liability insurance provider that will offer support if you are at fault in an accident.

Protect Your Boat

You can also benefit from a boat insurance plan as it is a great way to protect your boat. Your boat is a major asset that you will want to know is covered in the event an accident or other situation could result in a loss or damage. With a boat insurance plan, you will have the support needed to replace or repair your boat. 

People in the Bethlehem, PA area will want to know they are doing all they can to protect their prized possessions, such as a boat. A great way it can be done is by getting a boat insurance plan. Once you are ready to start looking, you should call the team with the Saucon Insurance Agency. The insurance team with the Saucon Insurance Agency will give any support you need to select an ideal plan to cover yourself and your boat. 

What Types of Businesses Need Commercial Insurance?

Running a business is expensive. However, some business owners are hesitant to get insurance for fear of falling through the gaps and incurring unnecessary expenses. With the recent growth of the digital economy, having commercial insurance is more important than ever. Do you need an insurance policy for your business? The answer is a resounding yes – but only if you do it correctly. Let’s look at why you need commercial insurance and what to consider. 

What Services Does Your Business Offer?

Most businesses provide one or multiple types of services or goods. For example, a beauty salon might provide beauty services and hair extensions. A plumber might have services, including installing water softeners and plumbing, and an emergency services company that provides plumbing repair and installation. 

Why Get Commercial Insurance?

With so many service businesses now operating online, it’s essential for those running a service business to have commercial insurance. Many of these businesses are run as "one-offs" with no plans for long-term viability. It’s easy for these businesses to get by with limited commercial insurance coverage, but it would be a considerable investment for those who might not need it. The insurance covers the equipment in your shop and any excesses that may occur. 

Insurance You Should Get for Your Business

As with any other business, you will need to purchase business insurance to cover lawsuits, property damage, and medical bills. However, business insurance has a high deductible compared to other insurance products, which means you only have to pay out-of-pocket if you meet the deductible. 

Wrapping Up

If you operate a business, it’s important to get commercial insurance. A common form of commercial insurance includes property, liability, and business interruption insurance. Whether you own your business or work for a large corporation, you will likely want to purchase commercial insurance to protect your company against the associated risks. For help, consult Saucon Insurance Agency in Bethlehem, PA.

What is the advantage of having employee benefits insurance?

For business in the Bethlehem, PA area, there are a lot of choices to make. You will need to make one important decision when you are looking for a new employee benefits insurance plan. Various advantages come when you get an employee benefits insurance plan for your team and business. 

Provide Amenities to Employees

One of the main reasons to offer employee benefits insurance is so you can provide benefits and amenities to your employees. Having a good team of employees is very important. You can find and retain talent by offering them access to employee benefits, such as health insurance. When you offer a quality plan, it can help you keep your staff happy. If you do not offer this coverage, it could make it harder to retain a quality team, which could disrupt your business in various ways. 

Remain in Compliance

Another reason you should have employee benefits insurance is because it could be a requirement for you to do so. Under the current law, businesses of a specific size need to offer employee benefits insurance. If they do not comply with the minimum requirements, they can face various penalties and damage their reputation. 

The Bethlehem, PA area can be a great place to run any type of business. As you are looking to grow your business, selecting the right employee benefits insurance plan is important. The professionals with the Saucon Insurance Agency can help with this process. There are many choices to make when looking for a new plan, and the Saucon Insurance Agency can give the guidance that you need to select a plan ideal for your organization. 

How much motorcycle insurance do I need?

Motorcycle insurance is a must for anyone who owns a motorcycle. But how much insurance do you need, and what kind of coverage should you have? Here we’ll explore the basics of motorcycle insurance and help you figure out how much protection is proper for you.

1. How Much Motorcycle Insurance Do You Need in Your State?

Saucon Insurance Agency explains that motorcycle insurance is compulsory in Pennsylvania. The state requires all motorcyclists to have a policy with minimum limits of $15,000 for bodily injury per person, $30,000 for total bodily injury per accident, and $5,000 for property damage per accident. However, Saucon Insurance Agency recommends that riders purchase a policy with higher limits to protect themselves in an accident fully.

2. What Types of Motorcycle Insurance Coverage Are Available?

There are four main types of motorcycle insurance coverage: liability, collision, comprehensive, and uninsured/underinsured motorist.

  • Liability Coverage: This is the most basic type of coverage, and it covers bodily injury and property damage caused by the policyholder while operating their motorcycle.
  • Collision Coverage: This type of coverage pays for damage to the policyholder’s motorcycle caused by an accident with another vehicle or object.
  • Comprehensive Coverage: This type of coverage pays for damage to the policyholder’s motorcycle caused by events other than a collision, such as theft, fire, or vandalism.
  • Uninsured/Underinsured Motorist Coverage: This type of coverage protects the policyholder if they are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.

3. How Can I Get the Best Deal on Motorcycle Insurance?

You can do a few things to get the best deal on motorcycle insurance, including shopping around, comparing quotes, and bundling your policy with other types of insurance. You can also get discounts by taking a motorcycle safety course or insuring more than one motorcycle.

Now that you know the basics of motorcycle insurance, it’s time to start shopping around for a policy that meets your needs. At Saucon Insurance Agency, located in Bethlehem, PA, we can help you find the right coverage at the right price. Give us a call today to get started.

How Personal Umbrella Insurance Protects Your Finances

If you have assets to protect, such as a home and a vehicle, you may already have home and auto insurance. These are important ways to protect yourself legally and financially in case of injuries in your home or because of an accident with your vehicle. However, the amount of specific coverage through these policies may be too low to handle a significant accident. In those cases, getting personal umbrella insurance is an intelligent way to protect yourself. 

Liability Coverage and Overages

When you have liability coverage for your home and vehicle, these policies have several different types of coverage. One of these is liability coverage. Having good liability insurance is vital to having good financial protection against the risk of accidents. When your home or auto policy doesn’t have much liability coverage, you may need to supplement it. You can do that with an umbrella policy. A personal umbrella policy adds more liability coverage to both policies so that you are far better covered against accidents. If you don’t have a supplement and keep very little liability coverage, you could owe money after your policy has paid up to its maximum. This overage can cost you tens of thousands or even more for a serious accident. 

Get It Paid With Umbrella Insurance

There is umbrella insurance to avoid overages that you would have to pay yourself. This type of policy kicks in after the first policy has paid up to its maximum. This means that you won’t be stuck with considerable overages to pay. Umbrella insurance has a much higher maximum than most home or auto policies, so it’s good protection financially. 

Call Us to Find Out More

If you are interested in umbrella insurance, give us a call today at Saucon Insurance Agency in Bethlehem, PA.

Tips to Take Care of Your Collectors’ Vehicle

Many people have a car or vehicle that they love. They may have their first car, even though they haven’t driven it regularly in fifteen years. They may also love old cars, so they had to have one. 

When you have a collector’s car, you need to make sure that you take care of it properly. Here are some tips to do so. 

The best thing that you can do is to keep it in a garage. However, you need to make sure that it stays out of the sun, or it can fade the paint (among other things).

It also needs to be moisture-free. You should run a heater or a dehumidifier in the garage to keep the garage as moisture-free as possible. This will help to prevent corrosion. 

You should get it out to rotate the tires regularly. If you let a car sit for too long, it will get flat spots in the tires. So, even if you just pull the car out of the garage and then park it again every few weeks, this will prevent damage to your tires. 

Disconnect the battery. If you aren’t going to be moving the car for more than a month, you are going to want to disconnect the battery. This will keep the battery fully charged.

If you want to make sure that your car stores well, you are going to want to keep it in a garage away from the sun. You also need to make sure that it is moisture-free. 

You also need to make sure that you have enough insurance for your vehicle. Don’t hesitate to contact us today at Saucon Insurance Agency in Bethlehem, PA. 

How Wedding Insurance Works

If you have been planning a wedding, you know how much goes into the proceedings. It can take months to plan it, and then everything still may not go perfectly. There are two main types of wedding coverage that you can get for your event, and both of them are important for your peace of mind as well as for your financial protection. If you have a wedding planned and need insurance for it, give us a call at Saucon Insurance Agency in Bethlehem, PA to find out more and to get started.

Liability Coverage

An important part of the wedding insurance that you get is liability coverage. This type of coverage covers you in case someone has an accident or injury while at your wedding. This is smart coverage to have, as it means you are unlikely to be sued if someone gets injured. There are a number of venues that require you to have this type of coverage before you can book your wedding with them. If you want your rehearsal dinner covered as well, you may be able to add it to the policy as an option. 

Cancellation Insurance

With everything that goes into a wedding and with everything it costs, it can be heartbreaking if the wedding ends up having to be canceled. It covers how much has been spent if the wedding is canceled. There are a lot of reasons why a wedding may have to be canceled, but having a change of heart is usually not covered. There are sometimes opportunities to get it to cover a change of heart, but this generally applies only when the cost of the wedding has been paid by a third party. 

Get Your Wedding Insurance Coverage

To protect your wedding and all that has been spent on it, as well as things that can go wrong during it, there’s wedding insurance. Call us at Saucon Insurance Agency in Bethlehem, PA.

Boat Insurance: Three Common Claims and How to Avoid Them

When warmer weather arrives in Bethlehem, PA, you may take your water vessel on the water to go fishing, cool off, or simply spend some quality time on the open water with your family and friends. It is important to take care when out on your boat to avoid the need to file a boat insurance claim with an insurer like Saucon Insurance Agency. Here are a few different causes of boat insurance claims and how you can avoid them.

Collision with an Underwater Object

More often than not, this type of accident occurs when you are unfamiliar with an area, inexperienced at operating the vessel or driving carelessly. Underwater objects can include anything from rocks and trees to sandbars and debris. 

It is imperative that you never operate your watercraft while under the influence, and you should always be aware of your surroundings. If you are traveling into unfamiliar waters, utilize a depth sounder. 

Bodily Injury

It is also common for boat insurance claims to involve physical injuries. These types of injuries tend to occur when an inexperienced individual operates the boat. For instance, watercraft passengers can be thrown around rather violently when the boat moves over rough water at excessive speeds. The same is true if you suddenly change direction or speed. 

To help avoid this type of accident, you should ensure everyone is wearing the proper attire, including water shoes, and drive with caution and responsibly. Don’t forget to always ensure your vessel is equipped with life-saving devices in the event of an emergency.

Theft

Although it doesn’t happen often, it is possible for a boat to be stolen. This is true with smaller watercraft, such as jet skis. Theft can occur if you don’t take the proper measures to secure your boat, or if you allow the wrong person to take your vessel out on the water. 

More likely to occur than a boat theft is theft on a boat. Therefore, when leaving your watercraft at the marina or anywhere similar, make sure to lock up any valuables you may have on the boat. This can include anything from personal items like jewelry to boat-related accessories like scuba gear. 

If your boat is not currently protected, contact the insurance professionals at Saucon Insurance Agency, serving Bethlehem, PA, so we can evaluate your current boat insurance needs.