Common Auto Insurance Exclusions

Whether you are leasing or buying a car, one thing you must buy is auto insurance. But because of the excitement of buying a new ride, you may not be too keen to read your policy document. This mishap may not cause a problem immediately but might be costly when involved in an accident. At The Insurance Outfit of Chester, NJ, we would like to inform you about common auto insurance exclusions to ensure you don’t get surprises when filing a claim.

Mechanical breakdown

Is the engine of your car failing you? Or perhaps the transmission is jerking incessantly? If the mechanical breakdown doesn’t result from damage suffered during an accident, car insurance won’t cover it.

Intentional damage

This is pretty obvious, but we will still say it because it happens. You can’t intentionally crash your car against another car during a road rage and expect compensation from your insurer. Similarly, if an experimental paint job goes wrong, you can’t run to your insurer for compensation.

Personal property exclusion

Suppose you are involved in an accident, and your laptop becomes damaged. Your car insurance policy will cover the damage to your car but not the damage to the laptop. Similarly, if personal items are stolen when inside your car, auto insurance won’t cover them. However, you can get compensation if you have renter’s insurance.

Commercial use exclusion

If you use your personal vehicle for commercial reasons, you may not be compensated for damages if an accident occurs while running business operations. For this reason, it would be best to invest in commercial auto insurance to avoid undergoing such a predicament.

Drag racing

Racing might be your thing, but know that typical car insurance won’t cover you for damages and injuries sustained in racing events.

Want to learn more about auto insurance? Would you please get in touch with The Insurance Outfit of Chester, NJ?

What Should You Know About Auto Insurance?

If you are a car owner from the state of New Jersey, you cannot drive your car until you purchase car insurance that is required by the state. The Insurance Outfit serving clients in Chester, NJ prepared a list of other things that you should know about car insurance. 

What Should You Know About Car Insurance?

  • There are certain factors that have an impact on the cost of your car insurance. They are your age, driving experience, marital status, location, and even your credit score. 
  • There is a difference between comprehensive and collision coverage. Comprehensive coverage protects you against damage and theft caused by such things as fire, vandalism, falling trees or rocks, and others. Collision coverage reimburses the damage caused by a collision with another vehicle or object. 
  • It will cost to insure a more expensive vehicle. Therefore, when you are shopping for a new vehicle, it is recommended to find out what your insurance will cost to insure certain car models that you are considering. 
  • Standard auto insurance will not cover a car used for business purposes. If you are planning to use your car for commercial purposes, you will have to purchase separate commercial auto insurance. 
  • The cost of auto insurance may vary depending on the insurance company. Therefore, you should compare the quotes from several different companies and pick the one that suits you more. 

The Insurance Outfit – We Will Help You Insure Your Car

If you are a car owner from Chester, NJ or any other nearby town, and you are currently looking for car insurance, feel free to contact The Insurance Outfit. Our experienced and qualified agents will help you find a perfect policy based on your needs and budget. Do not hesitate to visit our website and give us a call. 

What Are the Basic Auto Insurance Requirements in New Jersey?

Basic Auto Insurance Requirements in New Jersey

Insurance requirements in New Jersey require that all motorists carry insurance before they register their vehicle and while operating on New Jersey roadways. As a mandatory no-fault insurance state, medical expenses, lost work wages, and other costs associated with an auto accident are covered. A minimum liability that includes bodily injury and property damage is necessary for New Jersey. Additional coverage is not necessary by law, but it is recommended for maximum protection. Collision, comprehensive, and uninsured motorists will offer deeper levels of coverage than liability alone and it is recommended that these types of extra coverage be strongly considered when you are seeking a provider.

At The Insurance Outfit of Chester, NJ, our agents have years of collective experience helping motorists get the best coverage possible. We are happy to work with you to find the right auto insurance policy that gives you the best protection possible.

Staying Protected with Quality Insurance

A minimum amount of liability insurance includes coverage in the amounts of $15,000/$30,000/$5,000. These amounts cover a limited amount of personal injury and damage to other people’s property. Collision insurance gives further coverage that includes the repair of your own vehicle. Comprehensive covers non-collision damage that includes fire, theft, and events that do not happen in a collision. Uninsured motorist is another type of insurance that covers you when another person is at fault or they do not have insurance.

Expert Auto Insurance in Chester

Contact us at The Insurance Outfit of Chester, NJ to schedule an appointment with our knowledgeable agents. We can find you an affordable insurance policy so you can stay on the road with peace of mind knowing you are adequately covered. Give us a call today or use our online portal to get in touch with us.

How Often Should You Shop For New Auto Insurance?

Automobile insurance is a unique type of bill. It is one of the few bills which you incur that is required by law. Because auto insurance is required by law in most states, it is very important to shop around often to make sure you are always getting the best deal. At The Insurance Outfit, serving Chester, NJ, we don’t mind educating our clients on these important topics. Keep reading to learn how often you should shop around for the best deal on auto insurance. 


It is recommended that you begin comparing rates on auto insurance annually. Companies are always making new offers and promoting new deals. To stay on top of the best deals, you will need to check out what is available at least once a year. This is also a good idea because it gives you a chance to see how your insurance rates may change as you age and maintain a good driving record. 

After A Big Life Change

Life changes can greatly influence how much you pay for car insurance. Certain life events have a bigger impact than others. Getting married for instance can often earn you great auto insurance discounts. Buying a home is another big life change that can affect your auto insurance rates. 

As You Get Older

We don’t always love everything about getting older, but one silver lining to getting older is that car insurance rates go down to a certain point. Teen drivers experience the highest auto insurance rates, but those rates steadily go down as they age. By your mid-50s  you will see the best deals on car insurance. It is important to note that this is dependent on a good driving record as well. 

If you would like to learn more about auto insurance, please contact our friendly staff at The Insurance Outfit serving Chester, NJ. 

3 things to do to protect your car

Chester, NJ is not an exception to car theft. Unfortunately, many of us never think about car theft until it’s too late. Your car needs to be protected whether parked or on the move. And by protection, we mean from any form of damage. The Insurance Outfit can provide you with three major tips to keep your car safe not only from thieves but also from harsh weather and other elements.

1. Park intelligently

Park in well lit areas close to building entrances and near security cameras. If you have the choice of a parking garage, it is considered safer there than in an isolated garage. If you have to park around the roads, make sure it is around a security camera or personnel.

2. Purchase car insurance

This should probably be the first thing that rings in our minds when we talk about protection.  Auto insurance in New Jersey is a legal requirement. Therefore, when you purchase the policy, you do not just protect yourself but also follow an order to help protect others on the roads.

3. Take advantage of the security features of your car

Vehicles today come with modern security features that can help secure your vehicle from harm or theft. Some can automatically lock themselves every time you pull away. Others use lighting to scare thieves at night. Others come with tracking systems. If yours doesn’t come with one, you can always add. A tracking system will not prevent thieves from taking your car but it can help recover and locate it if stolen.

Taking steps to prevent your car from damage is better and easier than making claims when it’s too late. For all your insurance needs contact The Insurance Outfit in Chester, NJ today.


How Is Collector’s Vehicle Insurance Different From Regular Auto Insurance

Those who reside in Chester, NJ and wish to insure their entire auto collection do not always know where to turn. It can be tough to discern the differences between a collector’s vehicle insurance and regular auto insurance. Fortunately, The Insurance Outfit is here to provide the necessary insights. 

Generalities Are Used

An insurance company in Chester, NJ is usually going to rely on generalities in order to make a decision. The vehicle cannot be any less than 15 years old. In some instances, the insurer may even mandate that the vehicle needs to be at least 25 years old. The policy that is shaped by the motorist will take these factors into account. This is not something that a regular auto insurance policy will focus on. 

Depreciation Is Discussed

The motorist must prepare themselves for this discussion beforehand. The difference between collector’s vehicle insurance and regular auto insurance is that this consideration does not have to be made for a typical policy. Depreciation is always going to impact the value of a car in these instances but when it comes to collector’s insurance, the effects tend to be far more pronounced.

Separate Cars Must Be Discussed

A regular auto insurance policy focuses on the coverage of a vehicle that the motorist utilizes on a daily basis, in the majority of instances. Meanwhile, a collector car is not going to be driven regularly. A policyholder can find deep discounts by taking the time to prove to the insurance company that they are not going to be using the collector car on a regular basis. By offering proof of a different vehicle for daily usage, the motorist steers clear of higher costs.

If a prospective client has any further questions on these matters, the good folks at The Insurance Outfit are here to help. Be sure to schedule a consultation meeting as soon as possible. 

Does my auto insurance cover legal costs if someone sues me after a crash?

Everyone Has to Carry Auto Insurance

Everyone who drives in Chester, NJ is required to carry at least a minimum amount of auto insurance. Failure to carry insurance can result in fines, license suspension, and even criminal charges.

One benefit of the insurance you purchase through The Insurance Outfit or another insurance company is that your policy includes some protection which will help to cover legal costs when you are involved in an accident that ends up in litigation. Attorneys are expensive, and most people are relieved to find that they will get help with legal fees.

Auto Accident Attorneys

If you are the victim in an accident and want to sue someone else, you can hire an attorney who will work on a contingency fee. That means the attorney won’t collect until the case is over and the judgment is collected.

If you are on the other side, you will need to defend yourself in the lawsuit. If you hire an attorney yourself, that lawyer will likely charge by the hour. Attorneys often charge hundreds of dollars an hour.

What Insurance Actually Covers

When you are sued, legal representation will be provided for you. Your insurance company may have employees that work for the company, and one may be assigned to your case. If they don’t have attorneys on staff, they will hire an attorney who will defend you in the case. You should check your policy to make sure legal fees and other expenses are covered.

Being the defendant in a lawsuit is stressful, but it’s easier when you know you have someone on your side. If you live in Chester, NJ, make sure you have enough coverage. Call The Insurance Outfit today so we can get you the protection you need.

3 Tips for Buying Auto Insurance in Chester NJ

Having Auto Insurance in Chester, NJ is the law. Without it, you could face serious fines and other penalties. After all, don’t you want to protect your asset, yourself, your passengers, and others on the road? To do this, and stay within the law, you need to purchase auto insurance.. If you’re concerned about the costs or which policy is right for you, read on to learn about three ways you can save money and find the best policy when purchasing auto insurance.

1. Bundle Your Insurance Policies

When you bundle more than one insurance policy under the same insurance company, you save money on your premiums. Keep this in mind when purchasing auto insurance. Consider bundling your new policy with your existing insurance provider with whom you have other policies, such as homeowner’s insurance, life insurance, umbrella insurance, and more. Otherwise, you can even switch all your policies over to a new insurance company if this will save you money and get you better coverage.

2. Compare Auto Insurance Quotes

It’s always a good idea to go through the fine detail of two or more auto insurance policies to find the right one. A reputable agent can help you do this and lead you toward getting the best policy for the best price.

3. Work with a Reputable Agent

When looking for an auto policy in Chester, NJ, reach out to The Insurance Outfit. The agents are knowledgeable, friendly, and ready to answer all of your questions about purchasing an auto insurance policy. They will help you compare quotes, bundle, and find you the best insurance provider to work with. Reach out today to The Insurance Outfit at 908-955-7561. 

Why Your Collectors Vehicle May Not Be Covered If You Have It At a Storage Facility

Owning a collectors vehicle is often a labor of love! Whether you have restored an antique vehicle or have assembled a kit car, you know how much time, energy, and effort can go into restoring and maintaining a collector car or other vehicle. Typical auto insurance is not sufficient for such cars, and many otherwise excellent agents may not understand the nuances of these special vehicles. If you own a collectors vehicle and live or store that car in the greater Chester, NJ area the team at The Insurance Outfit has the expertise that you need to protect your treasured possession.

Collector Cars Stored at a Facility Require A Specialized Policy

There are many different factors that go on into determining the right policy for your vehicle. If you use your car for everyday use, or only take it out to go to a classic car show, your policy requirements will vary widely. The same is true if you keep your collector car in a storage facility rather than at your primary place of residence. When you have your car off-premises the requirements for coverage will vary, and it will likely make sense to acquire a specialized policy for such a situation. Don’t let your hard work and labor go unprotected because of where you keep your car! Now is the time to confirm that your policy is appropriate for your exact collector vehicle situation.

Your collector car is not only a beloved personal possession, but it is also a valuable asset. Don’t be left with insufficient coverage in the event of a loss, call or stop by The Insurance Outfit and make sure that your Chester, NJ area collector car has the protection it needs and deserves.

How to make an auto insurance claim

All drivers are potentially predisposed to getting involved in car accidents and perhaps damaging their cars. In the event that you have been involved in an accident, there are certain steps you need to take to properly file for a car insurance claim and get reimbursement from The Insurance Outfit. The types of car insurance claim you can file include property damage to the stolen car or vehicle repairs and medical expenses.

When can I file for a claim?

After a car collision in Chester NJ, you should make sure you contact our local agent as soon as possible. You can file for a claim in case your car is stolen or vandalized. You can find The Insurance Outfit’s contact details on our website or on your insurance card.

What information do I need?

You may be required to complete a sworn statement that details the events of the accident. Therefore, it is important to take photos of the auto accident scene and record any personal harm resulting from the car crash. Make sure you provide the following details when contacting your local agent or the insurance company:

  • Your name and auto insurance policy number
  • The details of your insurance policy
  • Details of the car accident
  • Details of the other drivers, passengers, and witnesses
  • The license plate numbers of all the other vehicles that were involved in the car accident

Basic steps of filing for a car insurance claim

Once you have contacted the insurance company, the claim process will follow these steps:

  • You might bring in a lawyer to help you expedite the process
  • Case assignment to a professional in our company
  • Meeting with the professional to discuss the process and coverages
  • Evaluation by your claims professional to inspect your car and examine the evidence
  • Resolution of the auto insurance claim, which includes processing appropriate compensation
  • Closing of the claim

The Insurance Outfit in Chester, NJ ensures that its clients get reimbursements in the event that they have been involved in car accidents. If you have been recently involved in a car crash, contact us today and our car insurance professionals will help you get appropriate compensation for damage and bodily injury.