It is always a good idea to protect your assets, and you can do that with an NJM Personal Excess Liability (Umbrella) policy. For a moderate charge, an Umbrella policy not only provides additional dollar-amount protection in case a lawsuit is filed against you following an auto accident or homeowners liability incident, it also offers protection against Personal Injury Liability, such as libel or slander. Available to those who have NJM Auto and Homeowners policies, an Umbrella policy provides up to $10 million in coverage beyond your standard policies' limits.

Mandatory insurance inspection is in addition to the Motor Vehicle Inspection program conducted by the State of New Jersey and mandated by law. The two inspections are separate and unrelated requirements.

Whenever a policyholder acquires a vehicle, he or she should call NJM immediately toll-free at 1-800-232-6600. Until NJM is notified by phone, the vehicle may not be covered for Collision or Other Than Collision. Check here to find inspection facilities

Approximately 22,000 employers across the state are members of the New Jersey Business & Industry Association, including many large companies. Contact your Human Resources Department. They should be able to tell you if your company is a member.

Membership eligibility may not be extended from family members or friends. The applicant and/or spouse must be actively employed by the member company or the State of New Jersey.

Parking tickets are not considered motor vehicle violations. However, failure to pay parking tickets can result in a suspension of driving privileges, which can affect eligibility.

Zero-point tickets are considered violations. Examples of zero-point violations include unsafe operation of a motor vehicle, and delaying traffic.

In addition to NJM's dividends, discounts can reduce your premium significantly, right from the start of your policy. The discounts are included in the quote, but documentation will be required to prove eligibility at the time you purchase your policy.

The anti-theft device in your vehicle will be listed on the window sticker (if it was factory installed) or will be explained in the owner's manual. The discount also applies if you use the Club or another similar device.

PIP stands for "Personal Injury Protection." This is your medical coverage for injuries you (and others) suffer in an auto accident. PIP pays if you or other persons covered under your policy are injured in an auto accident. It is sometimes called "no-fault" coverage because it pays your own medical expenses no matter who caused the auto accident. PIP has two parts:

• Coverage for the cost of treatment you receive from hospitals, doctors and other medical providers and any medical equipment that may be needed to treat your injuries.

• Reimbursement for certain other expenses you may have because you are hurt, such as lost wages and the need to hire someone to take care of your home or family.

Before selecting the Health Insurance Provider option, you should find out if your health insurance will cover auto accident injuries and how much coverage is provided. Medicare and Medicaid do not offer the Health Insurance Provider Option.

A deductible is a payment you have to make before the insurer pays. For example, a $750 deductible means that you pay the first $750 of each claim out of your pocket.

This is a personal decision dependent upon how much you would be able to pay at the time of a loss. A lower deductible will result in a higher insurance premium. A higher deductible will result in a lower insurance premium; however, you will need to pay more out-of-pocket at the time of a loss.

NJM believes driving record should be the primary factor in setting your rates. We do not currently use credit scoring to determine eligibility or rates.

You may obtain a quote, apply, and purchase a policy without a New Jersey or Pennsylvania driver's license number. However, New Jersey laws require residents to hold a New Jersey driver's license so it is a good idea to get your license as soon as possible.

You can apply for insurance if you plan to own, lease, or finance a vehicle. However, your policy cannot cover a vehicle registered to somebody outside your household.

If you are new to the state, you can apply for insurance but will be required to register the vehicle in New Jersey or Pennsylvania within 60 days from the start of your policy.

It is always a good idea to protect your assets, and you can do that with an NJM Personal Excess Liability (Umbrella) policy. For a moderate charge, an Umbrella policy not only provides additional dollar-amount protection in case a lawsuit is filed against you following an auto accident or homeowners liability incident, it also offers protection against Personal Injury Liability, such as libel or slander. Available to those who have NJM Auto and Homeowners policies, an Umbrella policy provides up to $10 million in coverage beyond your standard policies' limits.

If you have coverage for Collision and Other Than Collision (Comprehensive) for at least one of the vehicles on your policy you are eligible for rental car coverage. The same deductibles will apply to your rental vehicle.

NOTE: If you do not have Physical Damage coverage on any of your insured autos, you will need to purchase this coverage from the rental car agency. Coverage for a rented (non-owned) auto is provided only while renting the vehicle in the United States, its territories or possessions, Puerto Rico or Canada.

Call us any time, any day toll-free at 1-800-232-6600. After you have answered the prompts to indicate you are a current Personal Auto insurance policyholder, you will have the option to leave a message requesting that a new ID Card be mailed to you. Be sure to have your policy number at hand.

You can also request an ID card by registering and using Manage Your Policy Online.

Under our Accident and Violation Amnesty Program, NJM (F) policies do not impose a surcharge (increase premiums) because of an individual claim or motor vehicle event. NJM recognizes that good drivers can have accidents and make claims.

However, a review of the policy and the driving history will be conducted to determine whether NJM will continue the policy. When NJM notices a pattern of activity that could jeopardize the continuation of the policy, NJM will warn the policyholder. However, there are times when a serious underwriting concern may cause NJM to terminate the policy without prior notice of this concern.

Parking tickets are not considered motor vehicle violations. However, failure to pay parking tickets can result in a suspension of driving privileges, which can affect eligibility.

Zero-point tickets are considered violations. Examples of zero-point violations include unsafe operation of a motor vehicle, and delaying traffic.

Our rating factors are partially based on age, gender, and marital status.

The discounts are included in the quote, but documentation will be required to prove eligibility at the time you purchase your policy.

If your significant other lives with you and drives cars registered to you, you can include him or her for your quote. Coverage limitations will apply.

PIP stands for "Personal Injury Protection." This is your medical coverage for injuries you (and others) suffer in an auto accident. PIP pays if you or other persons covered under your policy are injured in an auto accident. It is sometimes called "no-fault" coverage because it pays your own medical expenses no matter who caused the auto accident. PIP has two parts:

• Coverage for the cost of treatment you receive from hospitals, doctors and other medical providers and any medical equipment that may be needed to treat your injuries.

• Reimbursement for certain other expenses you may have because you are hurt, such as lost wages and the need to hire someone to take care of your home or family.

If you have coverage for Collision and Other Than Collision (Comprehensive) for at least one of the vehicles on your policy you are eligible for rental car coverage. The same deductibles will apply to your rental vehicle.

NOTE: If you do not have Physical Damage coverage on any of your insured autos, you will need to purchase this coverage from the rental car agency. Coverage for a rented (non-owned) auto is provided only while renting the vehicle in the United States, its territories or possessions, Puerto Rico or Canada.

Under our Accident and Violation Amnesty Program, NJM (F) policies do not impose a surcharge (increase premiums) because of an individual claim or motor vehicle event. NJM recognizes that good drivers can have accidents and make claims.

However, a review of the policy and the driving history will be conducted to determine whether NJM will continue the policy. When NJM notices a pattern of activity that could jeopardize the continuation of the policy, NJM will warn the policyholder. However, there are times when a serious underwriting concern may cause NJM to terminate the policy without prior notice of this concern.

PIP stands for "Personal Injury Protection." This is your medical coverage for injuries you (and others) suffer in an auto accident. PIP pays if you or other persons covered under your policy are injured in an auto accident. It is sometimes called "no-fault" coverage because it pays your own medical expenses no matter who caused the auto accident. PIP has two parts:

• Coverage for the cost of treatment you receive from hospitals, doctors and other medical providers and any medical equipment that may be needed to treat your injuries.

• Reimbursement for certain other expenses you may have because you are hurt, such as lost wages and the need to hire someone to take care of your home or family.