Questions Answered

Auto Claims Coverage

What does comprehensive (other than collision) insurance cover?

Comprehensive coverage is also known as Other Than Collision coverage, and can include losses caused by: falling objects, fire, theft, windstorm, flood/water, glass breakage, and contact with a bird or animal.

What is a deductible and does it apply to me?

A deductible is the amount of money you chose to pay if your vehicle is involved in a loss that triggers your policy's comprehensive or collision coverage. Your deductible is paid on dollar one and continues until you have reached your chosen amount. Your chosen deductible is listed on your auto policy declarations page. If your declarations page is not available, NJM can provide you with information about your chosen deductible.

Will my policy be affected due to a claim?

Filing a claim won't necessarily affect your premium. A claim is one of several personalized factors used in determining an auto premium. We will review the claim details carefully at the time of your renewal. If you have questions about your premium or policy, you can always contact us at 1-800-232-6600.

Why do I need to submit my medical bills to NJM if I was not at fault for the accident?

Some states require insurance companies to offer specific coverage for accident-related medical expenses. If you are injured in an automobile accident and live in one of these states, you will need to file a claim with your insurance company in order to qualify for this coverage. Your insurance company will pay for your accident-related medical expenses (up to your chosen coverage limit), regardless of who is responsible for the accident.

The adjuster handling your personal injury protection (PIP) or medical expense claim would be happy to answer any questions you may have regarding this coverage.

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.