Tell Us about Your Accident, Damage, or Theft

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.

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NJM Recognized for Three Consecutive Years

We provide "An Outstanding Claims Experience" to personal lines customers. Just ask J.D. Power, which recognized us with Auto Claims Certification three years running.

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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. If you need to report a claim for damage to your windshield or vehicle glass, or if your claim requires immediate assistance, please contact our 24-hour 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.

Please contact your claim representative if you have any questions.

* Applies to any vehicle with physical damage coverage listed on an NJM standard personal auto policy.

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

J.D. Power 2020 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 jdpower.com.

The information and descriptions of coverage on this site are general in nature. 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.