Auto Insurance Policyholder FAQs

It is always a good idea to protect your assets, and you can do that with an NJM 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 a covered auto accident or homeowners liability incident, it also offers protection against personal injury liability, such as libel or slander. An umbrella policy provides coverage above your standard policy, up to your chosen 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.

You can request an ID Card by registering and using Manage Your Personal Policy Online.

You can also call us any time, any day toll-free at 1-800-232-6600. Be sure to have your policy number at hand.

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.

Your history of motor vehicle violations can affect your premium. The point value assigned to any given offense varies depending on your state, but even zero point tickets are motor vehicle violations.

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

To submit documentation for review, log in and upload them to your online account or email them to AutoDocuments@njm.com. Don't have an account yet? Register here.

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.