Most families in Chester, NJ, have more than one vehicle, and not every household has enough garage or driveway space for all of them. When that happens, someone usually ends up parking on the street.<\/p>\n
Street parking increases the likelihood of damage. You might head outside in the morning to find that your side mirror was clipped by a passing car or that someone left a long scratch along the side of your vehicle.<\/p>\n
This raises an important question: Does your auto insurance cover damage to your car while it’s parked on the street?<\/p>\n
Parking in a driveway or garage offers some degree of protection. Your vehicle is farther from traffic, falling debris, and unpredictable weather. Street parking exposes your car to more hazards, including careless drivers and falling branches.<\/p>\n
The Insurance Outfit has seen that many drivers do not take responsibility when they accidentally hit a parked car. Hit-and-run incidents are common, and without knowing who caused the damage, your own insurance is often the only option for repairs.<\/p>\n
When this happens, either you or your insurance coverage will be responsible for the cost of repairs.<\/p>\n
Morris County winters bring snow, ice, and freezing rain, all of which can damage a vehicle without a garage or carport. Heavy ice can cause tree limbs to break and fall. Wind-driven debris and hail are also threats. Saturated soil can even cause trees to uproot during strong winds.<\/p>\n
Vehicles parked in a garage in Chester, NJ, are shielded from these conditions. Vehicles parked on the street are not.<\/p>\n
Under a standard auto insurance policy, New Jersey requires liability, personal injury protection, and uninsured motorist coverage. Collision and comprehensive coverage are not included in a liability-only policy.<\/p>\n
Collision or comprehensive coverage is necessary if your car is damaged in a hit-and-run, by falling tree limbs, or by theft or vandalism. Without full coverage, you may have to pay out of pocket.<\/p>\n
If you frequently park on the street near your home, when visiting others, or while running errands, it is important to understand exactly what your auto insurance covers. An agent at The Insurance Outfit can walk you through your policy so you know what protection you have in place.<\/p>\n","protected":false},"excerpt":{"rendered":"
Most families in Chester, NJ, have more than one vehicle, and not every household has enough garage or driveway space for all of them. When that happens, someone usually ends up parking on the street. Street parking increases the likelihood of damage. You might head outside in the morning to find that your side mirror […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[62,17,51,8,31],"class_list":["post-561","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-auto","tag-chester","tag-insurance","tag-nj","tag-the-insurance-outfit"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t