Tag Archives: Saucon Insurance Agency

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.

Are You Required To Have Home Insurance?

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If you’re buying a home, then it’s not unusual to wonder if you’re required to have home insurance. Knowing the answer to this question can help you through the home buying process.

The professionals at Saucon Insurance Agency, servicing Bethlehem, PA, are here to help you find an insurance policy that’s right for your needs. We work with many insurance carriers to make shopping around easier and to help you find an insurance for a good price. Here’s what you need to know. 

What Is Home Insurance?

Home insurance covers your home and property if it is damaged in events such as fire, vandalism, and theft. Different policies cover different types of events. As you shop around for home insurance, talk to your insurance agent to find out what types of events are covered under each policy. 

Is Home Insurance Required?

For most people, home insurance is only required if you are buying a house with a mortgage. Your mortgage lender may require you to carry insurance as long as you are paying off your mortgage.

Some people may be required to carry insurance by their homeowners association as well. If the home you’re buying is in an area with a homeowners association, ask the HOA if they require proof of home insurance. 

Why Should You Consider Home Insurance Even If It Isn’t Required?

Home insurance can provide peace of mind while also making it easier to recover from a disaster. If your home is damaged in a covered event, your home insurance company will pay to repair or replace damaged parts of your house, minus the cost of the deductible. Most people don’t have enough money to replace their home if it is fully damaged in a disaster. This is when home insurance is most valuable. 

To learn more about home insurance, contact us here at Saucon Insurance Agency. We serve the Bethlehem, PA area. 

Things Personal Umbrella Insurance Covers That Traditional Insurance Might Not

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Personal umbrella insurance is a great investment because it gives you the additional financial coverage you might need that your traditional insurance policy might not be able to pay out (i.e., when damages exceed what your policy is willing to pay out). The concept of personal umbrella insurance is easy to understand, but what you may not know is that personal umbrella insurance can help you get coverage for things that your other personal insurance policies might not cover you for. But what are these things, and are they useful? Here are a few of the things that personal umbrella insurance covers that traditional insurance might not. Once you’re ready to begin shopping for a personal umbrella insurance policy, we’ll be here at Saucon Insurance Agency to support you, serving Bethlehem, PA, and beyond!

Unique Things That Umbrella Insurance Covers

For the most part, personal umbrella insurance covers exactly what you’d expect it to. This includes various scenarios, like any lawsuits that you may have to pay for to defend yourself, personal injuries and liability, and dealing with uninsured motorists who have hit your car and are unable to have their insurance cover the damages. However, personal umbrella insurance goes beyond just offering coverage for these essentials. With your personal umbrella insurance, you can also cover scenarios like libel, defamation, and slander. Are these useful? If you do find yourself on the receiving end of such cases, your personal umbrella insurance will prove an invaluable addition. More than that, it doesn’t cost much to get personal umbrella insurance, so you’re not paying a ton to get additional protection you might need in the future. 

Start Shopping for Personal Umbrella Insurance With Saucon Insurance Agency

Saucon Insurance Agency, serving Bethlehem, PA, is here to help you with your insurance needs. We make it easier to find the right insurance policy so that you don’t have to spend more time than necessary getting the coverage you deserve. Call us today for a quote.

Additional Insurance Solutions for Motorcycle Riders in Bethlehem, PA

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Riding your motorcycle may feel freeing and exhilarating, but it’s important to properly protect yourself from accidents, theft, and property damage. At Saucon Insurance Agency, serving Bethlehem, PA, we help our clients the right add-on coverage for their needs. Whether you ride seasonally or you’re sharing a bike year-round, understanding which add-on coverage you require is key to enjoyimg your time on the road.

Accessory/Custom Parts Coverage

In addition to standard motorcycle insurance, you may be curious about accessory and custom parts coverage if you’ve invested in custom paintwork, saddlebags, LED lighting, or even performance enhancements. In most cases, standard insurance policies will not cover add-ons you’ve made to your bike, which is where accessory coverage comes in.

Comprehensive and Collision Upgrades

If you store your bike outdoors and frequently ride it, expanded comprehensive insurance is highly advisable. This adds stronger protection against falling objects, fires, theft, and even weather damage from Bethlehem’s unpredictable climate. Increased collision insurance will also increase payout limits for riders if you’re involved in an accident with other riders or drivers.

Roadside Assistance

Both roadside assistance and towing can offer peace of mind during a breakdown or flat tire. Motorcycle-specific roadside assistance ensures access to towing, emergency mechanical help, and even fuel delivery in some instances. 

Choosing the right insurance add-ons for your existing motorcycle policy is essential. The right add-ons provide peace of mind and security, whether you’re riding alone or with someone else. To learn more about add-on insurance options for your bike in Bethlehem, PA, contact Saucon Insurance Agency. 

Winter Is Coming: Is Your Snowmobile Insured?

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As the snow begins to fall, snowmobile enthusiasts are getting ready for another exciting season on the trails. Before you take off, it’s worth checking whether your snowmobile is properly insured. Toy insurance, coverage designed for recreational vehicles, helps protect you and your investment when the unexpected happens.

Why Standard Coverage Isn’t Enough

Many owners assume their homeowners or auto insurance will cover their snowmobile, but that’s usually not the case. Most traditional policies exclude off-road vehicles, leaving you unprotected if your sled is stolen, damaged, or involved in an accident.

What Toy Insurance Covers

A specialized toy insurance policy can include collision coverage for crash damage, comprehensive coverage for theft, fire, or vandalism, and liability protection if you cause an injury or property damage. Some plans even cover accessories, trailers, or custom modifications.

Protect Your Fun and Your Finances

No matter how experienced you are, winter riding comes with risks, like icy conditions, hidden obstacles, and wildlife encounters. Having proper insurance can help you recover quickly without taking a financial hit.

Talk to Your Insurance Agent

Before the first ride of the season, review your policy with your insurance professional. They can help you find the right coverage for your sled, your habits, and your budget, so you can enjoy every snowy adventure with peace of mind.

Contact Saucon Insurance Agency, Serving Bethlehem, PA

If you’re looking for toy insurance, our team at Saucon Insurance Agency is here to help. We’re proud to serve the Bethlehem, PA, area. Contact usto schedule a time to chat with one of our agents.

Does Flood Insurance Cover Mold Remediation?

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Most insurance companies in Bethlehem, PA, exclude floods, making it crucial to purchase additional flood insurance. This policy can help cover damages, but what about mold? Mold and water damage go hand in hand, so it’s important to know the details. 

Common Coverage

It’s essential to note that these policies typically only cover damage caused by rising water levels. So, water damage from a burst pipe or equipment failure may not be covered. Instead, you may have to file a claim with your property insurance. An agent at Saucon Insurance Agency can help you learn more about your coverage. 

Mold Remediation

Flood insurance may cover mold remediation, but certain exclusions apply. Your flood policy won’t cover mold if mold is already present. It also depends on your situation. If the building has mold because the water wasn’t removed immediately, the policy may deny the claim. 

On the other hand, if you couldn’t remove the water because you couldn’t get into the home due to the disaster or safety issues, the policy may still cover it. It boils down to whether the mold was a result of your action or inaction. 

Mold Coverage

Some insurance companies offer add-on coverage for items such as mold, bacteria, and rot. This type of insurance can help cover the cost of mold removal, but it is only available at select insurance companies and can be hard to find. 

Preventing Mold

The best step is to prevent mold anytime you can. Remove water from the structure as soon as possible. Ensure everything is properly dried out, and consider using a dehumidifier. Remove all porous materials, and thoroughly clean nonporous materials with a solution that can kill mold. 

We understand how frustrating mold can be after a flood. Compassionate agents at Saucon Insurance Agency can help you learn more about whether your policy covers mold remediation. Contact us to learn more. We’re currently serving the Bethlehem, PA, area. 

RV & Camper Insurance: Does It Cover Accessories?

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Traveling in an RV is similar to taking your home on wheels, offering convenience and comfort. However, this unique lifestyle often requires additional insurance coverage. If you own an RV or camper in Bethlehem, PA, understanding your insurance options is essential.

Liability Coverage

Liability coverage is legally required for any vehicle you drive on the road, including RVs. If you own a pull-behind camper, your auto liability insurance may provide some coverage, but it might not be sufficient to cover damages if an incident involves another person’s RV.

Liability insurance does not cover items such as accessories or personal belongings. It only provides coverage for the other person’s vehicle and bodily injury if you are found at fault. To ensure comprehensive protection, consult with an agent at Saucon Insurance Agency to verify that your policy covers all aspects, including accessories for your RV or camper.

Accessory Coverage

Insurance companies consider several factors when determining coverage for RV accessories. Attached accessories, such as awnings or satellite dishes that are permanently connected to the RV, are typically covered under a comprehensive policy. Some companies offer specialized policies for attached accessories to ensure your coverage limits are sufficient to replace damaged items.

Detached accessories, such as camping gear or portable shade umbrellas stored inside the RV, are usually not included in standard policies. These items fall under the "personal belongings" category and require personal property coverage to be protected.

At Saucon Insurance Agency, we understand that your RV is more than just a vehicle. It serves as your home, and we can help you find a policy that provides adequate coverage for attached accessories and personal belongings. Contact us today to get started. We proudly serve the Bethlehem, PA area.

Does Boat Insurance Cover Passenger Injuries?

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Boat accidents can result in serious injuries, such as broken bones or head trauma, and may require months of costly therapy. If you own a boat in Bethlehem, PA, you might wonder whether your boat insurance can help cover these expenses.

Liability Coverage

Most boat owners carry at least liability coverage, which can help with medical costs and other damages when the accident is your fault. Liability policies typically cover damages to another person’s property or boat and may include medical coverage for passengers.

Some policies also offer uninsured coverage, which can help pay medical bills for your passengers if you are involved in an accident with another boat whose owner lacks sufficient insurance. However, coverage details vary by company. It is always a good idea to consult an agent at Saucon Insurance Agency to understand your policy before heading out on the water with passengers.

Medical Payments Coverage

Many insurance companies offer additional coverage that you can purchase to cover medical expenses, regardless of who is at fault. This type of coverage is particularly useful in the event of a boating accident for which you are responsible. It can help ensure you are not automatically sued for medical expenses and may even cover funeral costs.

Different companies may refer to this coverage by various names, but most offer it as an optional add-on to your liability policy. Some insurers also offer liability protection insurance, which provides financial protection against lawsuits resulting from injuries or accidents.

At Saucon Insurance Agency, we understand the importance of protecting yourself financially after an accident. Our experienced agents will work with you to ensure you have the right coverage. Contact us today to learn more. We proudly serve the Bethlehem, PA area.

How Does a Commercial Insurance Policy Help My Business Recover From a Loss?

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Businesses in Bethlehem, PA, rely on their assets to conduct daily operations. However, unexpected events, such as theft or equipment damage, can disrupt business activities. At Saucon Insurance Agency, we’re here to help you prepare for potential losses with a commercial insurance policy. Here’s how this type of insurance can help your business recover.

How a Commercial Insurance Claim Works

If your business experiences a robbery or equipment damage through no fault of your own, you can file a claim with your insurance company. The insurer will send an adjuster to assess and validate the claim, then compensate you for the value of the loss. Depending on your policy, you’ll receive either actual cash value or replacement value.

Actual Cash Value

With an actual cash value policy, you’ll receive the current market value of the item that was lost. This means you won’t get the brand-new price of the item but rather the depreciated value, which can be used to purchase a replacement item.

Replacement Value

Replacement value policies provide a one-to-one replacement for your lost items. You’ll receive the full price of the item without factoring in depreciation. For example, if you lost five pieces of equipment, the insurer will compensate you for their replacement value, up to the limit of your policy.

Contact Us to Learn More

At Saucon Insurance Agency, we’re committed to helping you protect your Bethlehem, PA, business against loss. Commercial insurance is designed to safeguard your business in worst-case scenarios and provide the funds needed for recovery. Contact us today to learn more and let us help you find the right policy for your needs.

How Employee Benefits Protect Your Family’s Future in Bethlehem

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Today’s employee benefits are designed to address a wide range of health and financial needs. These benefits often include coverage for doctor visits, hospital stays, and mental health care as part of comprehensive packages.

Some benefit options also provide emergency income protection for employees who are injured or unable to work for an extended period.

Health, Wellness, and Comprehensive Coverage

Well-structured employee benefits plans include coverage for health and wellness visits, offering both preventive and emergency care. Bethlehem residents covered by a comprehensive benefits plan can feel secure when visiting their primary doctor’s office, urgent care facilities, or emergency rooms at St. Luke’s University Health Network or Lehigh Valley’s healthcare system.

Income-Loss Protection for Accidents or Illness

Unexpected accidents or illnesses can happen at any time. Disability insurance is often a key component of employee benefits packages, providing income replacement for a specific period.

Not all employee benefits packages are created equal. To ensure you and your family are receiving the best benefits for your unique needs, it’s important to review your current coverage and discuss additional options or upgrades with a licensed employee benefits specialist.

Saucon Insurance Agency in Bethlehem can help you review your existing employee benefits package, answer questions about available options, and provide quotes for extended or upgraded benefits to ensure you have adequate protection.

Don’t wait until it’s too late to secure the best healthcare, health insurance, income replacement, and retirement plan options available in today’s employee benefits packages.

Contact a licensed employee benefits specialist at Saucon Insurance Agency in Bethlehem today to protect your family’s future.