Insurance of any type can be difficult to understand but auto policies are notoriously difficult. For those in the Bethlehem, PA area, Saucon Insurance Agency can help you understand your individual insurance needs so that you can be sure you are both fully covered and legal.

Auto policies as a general rule are in place to help pay medical bills, time off work, and the deductible of the other driver should you get into an auto accident. Auto policies can also help pay for a rental car, replacement car, or can help you pay for a new car completely if your car is totaled. The minimum required insurance for each state may vary but the federal standard is about $10,000 to $25,000 of coverage.

This coverage is in place to help pay for medical bills, deductibles and more in the event of an accident. The base amount of insurance you must carry is often referred to as liability insurance because it only covers a minimum amount and does not cover the full cost of an accident. You can purchase liability policies that cover more in terms of monetary value and you can buy full coverage policies as well.

Full coverage policies do have a higher monthly premium but they do cover basically all the monetary considerations in the event of an accident. Every driver is required to carry at least the state or federal minimum of insurance coverage but not everyone is required to carry full coverage insurance. Full coverage policies are generally required if you owe money on your car or if you hold a loan or lien against your automobile through a third party lender. This is to keep the lender’s interests in mind and to help pay for a new automobile should you be in an accident.

If you have insurance questions and you live in the Bethlehem, PA area, contact Saucon Insurance Agency today.