Just Pay It™ - Flood Insurance Terms and Conditions

NJM Electronic Disclosure and Consent

NJM is permitting you to pay your insurance premium(s) over the Internet from a checking or other account of your choice. We provide this service free of charge and will promptly notify you of any material changes to the hardware and/or software of this program. FIS, a company that supplies financial reporting capabilities to institutions such as banks, Internet banks, and finance companies, provides this online bill pay service to us while we in turn provide all services to you, our policyholder.

You hereby agree that electronic communications we send you will satisfy the requirement of "writing" for record-keeping purposes. You have the right to withdraw consent and instead receive communication in paper or in a non-electronic format; however, this may result in electronic bill paying becoming unavailable to you. Withdrawing this consent, or updating your contact information, or requesting a paper copy of the transaction can be done by calling us at 1-800-690-6001, ext. 4010, Monday through Friday, 8 a.m. to 5 p.m., by sending us an email at ecash@njm.com, or by writing to us at:

NJM Insurance Company
301 Sullivan Way
West Trenton, NJ 08628

Terms and Conditions

You also agree to have sufficient funds in the payment account and to provide correct and valid information about yourself, including email address, bank and bank account information.

If your financial institution does not send us payment as directed for any reason — including insufficient funds, incorrect account information, bank or payment account closure or suspension or similar circumstances — you agree to any or all of the following:

  • We may try to repeat the process of withdrawal until the bank provides payment for our transfer request;
  • We can suspend your ability to pay online; and/or
  • We may use all legal remedies available to collect the payment.

You must notify us immediately if an unauthorized transaction or unauthorized password occurs with your account. Call us at 1-800-690-6001, ext. 4010, Monday through Friday, 8 a.m. to 5 p.m., send us an email at ecash@njm.com, or write to us at:

NJM Insurance Company
301 Sullivan Way
West Trenton, NJ 08628

Failure to notify us could result in you becoming responsible for unauthorized use of your account. If you notify us within 2 business days, your loss cannot exceed $50. Business days are Monday through Friday, 8 a.m. to 5 p.m., exclusive of holidays. If you do not notify us within 2 business days, you could be held responsible for up to $500 of the unauthorized transaction.

If an unauthorized transaction appears on your periodic statement, you must notify us within 60 days of transmittal of the statement, or you may become responsible for the payment. Failure to notify us within the specified time frame could result in you becoming legally liable for the entire amount of the unauthorized transaction. However, if your delay in notifying us was due to extenuating circumstances, we may extend these time frames.

You are responsible for installing, maintaining, and operating hardware and/or software in using this bill payment service. We are not responsible for errors, failures or malfunctions of your computer or software.

If we do not complete a payment on time or in the correct amount according to this agreement, we will be legally liable for the resulting losses or damages.

Some exceptions to this provision include:

  • If you have insufficient funds or your bank fails to honor payment;
  • If the bill payment service was not operating properly and you were made aware of the condition;
  • If circumstances beyond our control (such as terrorism, an act of nature, etc.) make completion of the transaction impossible; and/or
  • If you fail to provide accurate and updated information.

Error Resolution

In case of errors or questions, please call us at 1-800-690-6001, ext. 4010, Monday through Friday, 8 a.m. to 5 p.m., send us an email at ecash@njm.com, or write to us at:

NJM Insurance Company
301 Sullivan Way
West Trenton, NJ 08628

You must notify us within 60 days after your bank has informed you of an error with your policy number, the description of the error and the dollar amount of the suspected error. We may request that you inform us in writing.

We will notify you of our investigation results within 10 business days and will promptly correct any error. If we cannot resolve the discrepancy within 10 business days, we may take up to 45 days to resolve the matter. During this period, your account will be credited the amount of the error, pending the outcome. We will provide you with a written explanation within three business days after the final completion of our investigation. If we have credited your account, we have the right to reverse the credit accordingly.

Confidentiality/Privacy

We may disclose information about you in order to verify the existence or condition of your account at a bank, to complete the transaction you have requested, or to comply with state and/or federal government agencies or court order. Please refer to NJM's privacy policy, which has been provided to you in your policy packet.