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FILING A CLAIM

Notify us immediately if you experience a loss. When reporting a claim for the first time, you may contact our Claims Department at 1-800-FOR-NJMlns (1-800-367-6564). All other calls to us regarding claims should be made to the number listed on the Claim Acknowledgment that we will send to you.

For Property Damage claims, we may inspect the damage and must offer you a settlement within a reasonable period of time. We also must inform you of all estimates of damage which we have made, all deductions based on the condition of the property, and the deductible applicable to the settlement figure.

If you are dissatisfied with the way your claim is being handled, after discussing your problem with a Claims Representative and his or her supervisor, write the Office of the President, NJM Insurance Group, 301 Sullivan Way, West Trenton, NJ 08628-3496. If you are still dissatisfied, you can write to the Division of Enforcement and Consumer Protection, New Jersey Department of Banking and Insurance, PO Box 329, Trenton, NJ 08625-0329.

Internal Appeals

NJM Insurance Group has formed an internal appeals process to consider disputed claims with the exception of controversies arising out of automobile Personal Injury Protection Coverage claims. Individuals seeking to utilize the internal appeals process when a claim is disputed must notify the Group in written form by mail, electronic mail, facsimile or hand delivery using the following contact information:

Attention: Internal Appeals Administrator
NJM Insurance Group
301 Sullivan Way
West Trenton, NJ 08628
Phone: (609) 883-1300, Ext. 5822
Telefax: (609) 883-0653
E-mail: InternalAppeals@NJM.com

The assigned claims adjuster may also provide assistance with information pertaining
to the internal appeals system.

If you are dissatisfied with the response from the internal appeals panel, you may contact
the Insurance Claims Ombudsman.

  Office of Insurance Claims Ombudsman
20th West State Street – 9th Floor
PO Box 472
Trenton, NJ 08625
Phone: (609) 292-7272 or (800) 446-7467
Telefax: (609) 292-2431
Webpage: http://www.state.nj.us/dobi/ombuds.htm
E-mail: ombudsman@dobi.state.nj.us



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