Personal Auto
» How to Pay Your Bill

Just Pay It™ — FAQs

Any NJM in-force policyholder whose bank account allows electronic debits or who has a valid credit or debit card can use Just Pay It™. Home equity lines of credit, credit card checks and brokerage accounts typically do not allow electronic debits. Make sure to consult with your financial institution prior to using one of these accounts for NJM's Just Pay It™ service.

No. The service is free.

Your NJM policy number, including the letter and all the numbers without the dash (you can find your policy number on your bill), amount due of your last bill, bank account or credit/debit card information and a valid e-mail address.

Policyholders can pay online using a Visa® or MasterCard® credit card or signature debit card branded with the Visa® or MasterCard® logo. There are no additional fees charged by NJM for paying online.

No, NJM does not accept credit or debit card payments over the phone or through the mail. Currently this option is only available online.

You may call NJM for any payment related reason at 1-800-690-6001, ext. 4010, Monday through Thursday, 8 a.m. to 8:30 p.m., Friday, 8 a.m. to 7 p.m. and Saturday 8:30 a.m. to 4:30 p.m., or e-mail us at ecash@njm.com at any time.

Your e-mail address will be used to send notifications for both successful payments and payments declined by your financial institution. It will not be used for any other purpose.

Funds need be available at the time the transaction is initiated.

Your payment will be submitted with the date the transaction is completed.

It is available 24 hours a day, 7 days a week.

You will receive a confirmation number at the end of the transaction. You will also receive an e-mail notification within 24 hours. If a payment is returned by your financial institution for any reason, you will also receive notification of this return within a few days of making your payment.

If a credit card or debit card payment has failed, a hold for the amount of the payment(s) submitted may be placed on your account. Please confirm with your financial institution. If you have any questions, please contact us at 1-800-690-6001, ext. 4010 to discuss details about this payment or to schedule a replacement payment.

There are two main reasons you may not receive a confirmation e-mail from NJM. Your e-mail address may have been entered incorrectly, or your e-mail's spam blocker may stop the e-mail from being delivered. In this case, you will have to add ecash@njm.com as an acceptable e-mail user to your account.

No, you'd need to contact NJM in order to discuss the available options. The number for the accounts receivable department is: 1-800-690-6001, ext. 4010. You may call from 8 a.m. to 5 p.m., Monday through Friday.

No, if your policy is currently not in force, please contact our collections department at 800-232-6600, ext. 4013 in order to discuss your payment options. You may call from 8:00 a.m. to 5:00 p.m., Monday through Friday.

No. This is just for paying your NJM policy premiums.

Yes. All existing payment options accepted by NJM remain open.

No. The bank account or card information is only used to complete the one-time payment for which it is entered.

Yes. The process uses 128-bit SSL encryption. The https in the web address and lock icon at the lower right hand corner of your internet browser signify the security features.

Your PC internet browser needs to support 128-bit encryption. Most versions of Internet Explorer and Netscape now support this security feature.

You may become responsible for the unauthorized payment if you fail to notify NJM. If you notify us within 2 business days, your loss cannot exceed $50.00. Business days are Monday through Friday, 8 a.m. to 5 p.m., exclusive of holidays. If you do not notify us within 2 business days, you could be held responsible for up to $500.00 of the unauthorized transaction.

If an unauthorized transaction appears on your periodic statement, you must notify us within 60 days of transmittal of the statement, or you may become responsible for the payment. Failure to notify us within the specified time frame could result in you becoming legally liable for the entire amount of the unauthorized transaction. However, if your delay in notifying us was due to extenuating circumstances, we may extend these time frames. See the Terms and Conditions for more information.


For more information, please contact our accounts receivable department directly:

  • By phone: 1-800-690-6001, ext. 4010
  • By e-mail: ecash@njm.com
  • By regular mail:
    NJM Insurance Group — Attention Accounts Receivable Department
    301 Sullivan Way
    West Trenton, NJ 08628