New Jersey Re-Insurance Company, as a member of the NJM Insurance Group, has a statewide presence, with our Headquarters in West Trenton, a North Jersey Office in Parsippany and South Jersey Office in Hammonton.

NJRe alone insures approximately 50,000 vehicles in New Jersey, the only market in which NJRe auto coverage is written.

Careful stewardship of policyholder resources results in an administrative expense ratio for the NJM Insurance Group that has consistently been less than half of the industry average.

Quality customer service is provided directly – by telephone and in person – by our own employees, not by agents who receive a percentage of your premium. Advertising is nearly nonexistent, and even top executives work for straight salary, without company cars or any special bonus packages.

NJRe, like the parent company, New Jersey Manufacturers Insurance Company, earns an A++ (Superior) rating for financial strength from A.M. Best Company, the nation’s premier insurance-rating agency – a sign of sound management that policyholders can trust. (See latest A.M. Best ratings.)

At the heart of NJRe are the same Personal Lines and Claims staffs that serve New Jersey Manufacturers Insurance Company policyholders. They are New Jersey experts dedicated to caring for your insurance needs. They are available in person at any of our three offices or by toll-free telephone. Claims reporting and emergency service are available on a 24-hour basis.

While some carriers may appear to have low rates in comparison to NJRe, their quotes only tell part of the story. When comparing quotes, be sure to use an “apples to apples” approach regarding coverage limits and restrictions. Many customers discover that NJRe’s rates are very competitive.

Some companies maintain complex tier systems for setting premium rates – confusing drivers and making it easier to slot them into higher-priced premium brackets. NJRe’s tier system is simple and straightforward. It focuses primarily on your claims and driving experience. Safe Driver and Preferred Tier rates are available to motorists who have not experienced an at-fault accident or motor vehicle violation for the past five years.

NJRe policyholders who ultimately meet New Jersey Manufacturers Insurance Company’s membership criteria and underwriting standards are promoted automatically once they become eligible, allowing them to enjoy the attractive rates and dividends characteristic of NJM.

Several insurers now factor an applicant’s credit history when determining rates or eligibility. NJRe does not currently use credit worthiness in the evaluation of an insurance risk.

NJRe personal auto policies run for a full year – not just six months, the way most other companies issue coverage. Our way lets you know your rates will be stable for the entire 12 months. Issuing two policies a year gives other carriers twice the opportunities to increase rates.

The NJM Insurance Group utilizes a Premier Car Care network of qualified garages, body shops, glass shops and car-rental agencies. While our customers are always free to choose their own service providers, these quality options enhance NJRe’s ability to provide prompt and efficient claims handling.

While we cannot guarantee your coverage will never be dropped, such a step is something NJRe takes only if there is significant cause. In fact, NJRe terminated just over 1% of policyholders during 2006 for adverse underwriting reasons, including driving record and perpetration of fraud. Stability is one of the reasons most NJRe policyholders choose to renew each year, enjoying the long-term value and quality coverage characteristic of the NJM Insurance Group.

NJRe provides the same excellent customer service that has been a mainstay of New Jersey Manufacturers Insurance Company since 1913.