NJM COVID-19 Resource Center

Coronavirus FAQs for NJM Personal Insurance Policyholders

The NJM Policyholder Relief Program will refund 15% of three months of premium payments to personal auto insurance customers. The refund will be made in one of two ways. If your last payment to NJM was through our automatic premium payment plan using your bank account, you will receive a credit to that bank account. If you paid your premium using any other form of payment, you will receive a check in the mail. Learn More.

NJM is continuing our payment flexibility, including waiving late fees, providing a 60-day grace period (longer in some states), and placing holds on cancellations and non-renewals for non-payment, per state guidelines.

What does "holds on cancellations and non-renewals for non-payment" mean?

  • Per state guidelines, we will not cancel your auto, home, or renters insurance coverage if you are unable to pay your bill.

  • If you are able to make a payment, we recommend you do so. Your billing due date is not forgiven, only suspended. Once we lift the amnesty, you will have the customary notice prior to the next due date to either pay your balance due or to arrange an alternate payment schedule to avoid cancellation.

  • As always, our representatives are ready to work with you to set up a special payment plan that works for your circumstances. Just call 1-800-232-6600

Does this mean I do not need to pay my bill?

No. Outstanding payments will be due when the amnesty is lifted. This suspension of cancellations is intended to support policyholders who are not able to make a payment due to COVID-19. You should make your payment if you can.

What if I can only make a partial payment or no payment at all?

NJM is committed to supporting our policyholders. Simply contact us at 1-800-232-6600 to speak with one of our representatives who will work with you. We are considering each customer's individual circumstances and using maximum flexibility to assist affected customers.

Will I still be billed if I am enrolled in automatic payments?

Yes. If you are enrolled in an automatic payment plan, payments will occur at their scheduled time. If you need to make a change to your payments please log in to update your payment settings.

The usage of my vehicle has changed significantly. How can I update my policy?

Policy changes can be made by logging in or by contacting us at 1-800-232-6600.