Tag Archives: auto

What Is the Difference Between Liability and Full Coverage Auto Insurance?

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If you drive a car, you are required to carry auto insurance. There are several types of auto insurance available, including liability-only coverage and full coverage. Understanding the difference between these options can help you choose the policy that best fits your needs and budget.

The professionals at Saucon Insurance Agency serving Bethlehem, PA can help you compare coverage options and evaluate your situation. Knowing how liability and full coverage differ can make it easier to select the right auto insurance policy.

What Is Liability Auto Insurance

Liability auto insurance provides coverage for injuries and property damage you cause to others in an accident. This type of policy does not cover damage to your own vehicle. Liability-only coverage is often chosen by drivers who own older vehicles or fully paid-off cars.

What Is Full Coverage Auto Insurance

Full coverage auto insurance combines several types of coverage, including liability, collision, and comprehensive. This option provides broader protection for your vehicle in a wide range of situations.

With full coverage, your vehicle may be protected against theft, fire, vandalism, weather-related damage, and collisions, regardless of who is at fault. Drivers with newer vehicles or auto loans are often required to carry full coverage until the loan is paid off.

Choosing the Right Auto Insurance Coverage

The right type of auto insurance depends on factors such as your vehicle’s value, your financial situation, and how much risk you are comfortable assuming. Comparing coverage options can help ensure you are adequately protected without paying for unnecessary coverage.

If you need help choosing auto insurance, the team at Saucon Insurance Agency is here to help. We can answer your questions and help you find a policy that meets your needs. Contact us today to learn more. We are currently serving the Bethlehem, PA area.

Explaining Pennsylvania’s “No Touch” Law

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Distracted driving is a major cause of auto accidents these days. According to the CDC, 9 people die every day in distracted driving accidents. Any activity that diverts the driver’s attention from their primary task of keeping their eyes on the road can result in distracted driving. It is particularly high in teen drivers, who are more likely to be on their phones while driving. According to a national survey, 39% of high school students admit to texting while driving and 60.2% of drivers report talking on the phone while driving. The state of Pennsylvania plans to drastically lower those stats with a "No Touch" law. 

What the "No Touch" Law Is

In Pennsylvania, it’s known as Paul Miller’s law after the tragic victim of a distracted driving accident. The law, which became effective in 2025, prohibits the use of any handheld device by the driver of a vehicle, even if the vehicle is stopped. This prohibits drivers from scrolling, tapping, holding or otherwise manipulating a cell phone or PED with their hands. This applies even in traffic jams or at stop signs or stop lights. Exceptions will be made if the call was to 911 or the car was parked off the roadway. Also allowed is the use of a securely mounted device for GPS or music that requires only a single tap or voice command. In any case, the "No Touch" law is a primary enforcement law. This means a police officer can pull you over just if they see you with a phone in hand without any other violation. 

Saucon Insurance Agency Serving Bethlehem PA

We at the Saucon Insurance Agency, serving the Bethlehem, PA area, advise you to drive safely this year. Give us a call with any questions you have about auto insurance.