Tell Us about Your Accident, Damage, or Theft

Supply chain and labor shortages unfortunately continue to affect auto repair scheduling and timelines across the country.

At NJM, we are doing our very best to ensure your auto repair process is as smooth as possible, and you can count on your claim representative to guide you along the way.

Auto Insurance Claims

Tell Us About Your Accident, Damage, or Theft

We’re sorry to hear about your accident. But we’re here to help. Just report what happened and we’ll take care of the rest. Information about filing a Commercial Auto claim is available here.

J.D. Power 2023 Auto Claims Certification
NJM Insurance has been certified by J.D. Power for providing personal lines customers with an exceptional Auto Claims Experience, 6 years in a row.

In an industry that relies on customer satisfaction, we pride ourselves on being committed to our customers. Get a quote today and learn what sets us apart.

Information You’ll Need

  • Your insurance policy number (if available)
  • Information about you (contact info, relationship to policyholder, etc.)
  • Date and time of the incident
  • Incident location
  • Description of incident/damage
  • Photos of damage (if available)

Try to report your claim as quickly as possible. You can report online or call our Claims Center at 1-800-367-6564.

Transportation Expense Reimbursement

Did you know that your NJM policy provides reimbursement for temporary transportation expenses if you’re involved in a covered loss?*

Most people choose to rent a car, but you can also be reimbursed for using a ride sharing service or taxi.

If you decide to rent a car, there are three different ways that NJM may provide payment to the rental agency:

  • You may need to pay the rental agency directly and we’ll reimburse you.**

  • NJM may be able to set up a direct billing with your rental agency. In this case, we will send payments directly to the agency.**

  • If you prefer to use Enterprise Rent-A-Car, NJM can set up your reservation and pay them directly.**

In most cases, coverage from your NJM policy will extend to your use of the rental vehicle, so you won’t need to purchase insurance through the rental agency.

Learn more or contact your claim representative if you have any questions.

* Physical damage coverage applies for losses to vehicles with coverage for collision or other than collision (comprehensive) on an NJM standard personal auto policy. Your Declarations Page will indicate if you have coverage for collision or other than collision losses or both.

** Your chosen daily and maximum reimbursement limits apply, and are stated in your policy documents.

J.D. Power 2023 Auto Claims Certification Program℠ recognition is based on successful completion of an audit, exceeding a customer experience benchmark through a survey of recent claims servicing interactions, and a Financial Strength rating. For more information, visit

The information contained on this page should not be construed as legal, financial or insurance advice. The coverage afforded for a particular loss depends on the specific facts and the terms, exclusions, and limits of the actual policy. Nothing on this site alters the terms or conditions of any policy; the policy controls coverage. Coverage options, limits, discounts, deductibles, and other features are subject to underwriting criteria, state availability, and effective dates. Coverage provided and underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.