NJM COVID-19 Resource Center

Coronavirus FAQs for NJM Personal Insurance Policyholders

In April, the NJM Policyholder Relief Program allowed us to issue refunds to personal auto insurance customers who had a policy in force on April 1, 2020. Consistent with our policyholders' reduced driving, the refund represented 15% of the equivalent of three months of their annual premium — a total of $41.7 million. In July, the Program will refund an additional 15% of two months of annual premium payments to all voluntary personal auto policyholders who had an active policy with us as of July 1, 2020. Policyholders will receive their refunds via check or direct deposit. Learn More.

NJM is continuing our payment flexibility, including providing grace periods 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.