Ask NJM
Have a question about insurance? Ask NJM! With over a century of experience under our belt, we know a thing or two about insurance. And we want to make you an informed insurance consumer, too. Whether you’re looking for a definition or trying to decide what kind of coverage you need, NJM has you covered. Just Ask NJM!
Insurance Basics
What is a declarations page?
What is a deductible?
What is an exclusion?
What is an insurance premium?
What is an endorsement?
What is a peril?
What is proof of auto insurance?
Understanding actual cash value and replacement cost
Auto
What Does Car Insurance Cover?
What can auto insurance cover?
Does auto insurance cover engine failure?
What is collision insurance?
What is comprehensive insurance?
What is full coverage auto insurance?
Does car insurance cover rental cars?
Does car insurance cover theft?
Does car insurance cover windshield damage?
What is no-fault insurance?
What is medical coverage on an auto insurance policy?
What is MedPay?
What is Personal Injury Protection (PIP)?
What is uninsured and underinsured motorists coverage?
How does auto insurance work for college students away from home?
Does auto insurance cover rodent damage?
Who Does Car Insurance Cover?
Driving without insurance
Does auto insurance follow the car or driver?
Do you need insurance to drive someone else’s car?
How long can you stay on your parents’ car insurance?
Is your spouse automatically covered on your car insurance?
What To Know Before Buying
How does car insurance work?
What are good auto insurance tips?
How to get car insurance for the first time
How to renew your auto insurance
How to switch your car insurance
How will buying auto insurance help you?
How much auto liability do you need?
Insuring a leased car
Is gap insurance worth it?
What factors affect insurance rates?
What are split limit and combined single limit policies?
Using Your Car Insurance
How long after an accident can you file a claim?
How to report a stolen car
What happens when an at-fault driver has no insurance?
What is subrogation in auto insurance?
What to do after hitting a deer
What to do when someone hits your parked car
Can you switch insurance companies during a claim?
Home, Condo and Renters Insurance
What Does Homeowners Insurance Cover?
What does homeowners insurance cover?
What does homeowners insurance not cover?
Does homeowners insurance cover tree removal?
Does homeowners cover a rental property?
Does homeowners insurance cover fire damage?
Does homeowners insurance cover hurricane damage?
Does homeowners insurance cover pools and hot tubs?
What Does Renters Insurance Cover?
What does renters insurance cover?
Does renters insurance cover a work laptop?
Does renters insurance cover bed bugs?
Does renters insurance cover motorcycles?
Does renters insurance cover moving?
Does renters insurance cover pet damage?
Does renters insurance cover theft?
Does renters insurance cover water damage?
How renters insurance applies to storage units
What To Know Before Buying
What is personal property coverage?
What is a dwelling?
What is guaranteed replacement cost?
What is the difference between HO-3 and HO-5?
What is the difference between home and dwelling insurance?
Is homeowners insurance required?
How to insure jewelry
How to insure an engagement or wedding ring
Do solar panels increase homeowners insurance costs?
What is condo insurance?
How much condo insurance do you need?
Do you need renters insurance?
Does a college student need renters insurance?
Do all roommates need renters insurance before moving in?
Using Your Home, Condo, or Renters Insurance
How does a homeowners insurance claim work?
How does a renters insurance claim work?
How does a home insurance deductible work?
Umbrella
What does umbrella insurance cover?
What is an umbrella policy?
Who needs umbrella insurance?