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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.

What is Health Insurance Primary? (NJ Only)

When you apply for an auto insurance policy in New Jersey, you have the option to choose Health Insurance Primary. With Health Insurance Primary, your health insurance carrier is the primary insurer for your medical expenses resulting from a motor vehicle accident. Benefits will be provided under your Personal Injury Protection (PIP) plan after coverage is provided by your health insurance plan(s).

Before selecting the health insurance primary option, you should find out if your health insurance will cover auto accident injuries and how much coverage is provided. All resident relatives who would be covered under your auto policy need to have coverage through their health insurance provider.

Medicare and Medicaid cannot be the primary insurer for medical expenses resulting from a motor vehicle accident.

How can I get treatment for my injuries after a motor vehicle accident?

You may visit the doctor of your choice, or you can use our Preferred Medical Providers list to locate a doctor. When setting your appointment, advise the doctor's office that you were in an auto accident and provide them with your NJM claim number and your medical claim adjuster's name and number.

NJ Customers:

Your provider must seek prior approval, called "precertification," from NJM for certain medical procedures and treatments, as outlined in NJM's Decision Point Review Plan. Please note that prior approval is not required for office visit and x-rays.

Once you are examined, the doctor's office should contact us regarding any additional testing or treatment.

If you have chosen the Health Insurance Primary option, it is your responsibility to obtain treatment within your health insurance carrier's guidelines. Before you seek treatment, please contact your health insurance carrier to confirm if authorization is required. Please note that your provider must also seek precertification of treatment from NJM for any secondary coverage we may provide. All medical bills related to your claim must be submitted first to your health insurance carrier. The balances may then be submitted to NJM. A deductible and copay will apply.

Please contact your assigned PIP adjuster for further information.

Does my policy provide coverage for towing my vehicle after an accident?

If you require a tow after a covered accident, we may reimburse a single, reasonable tow away from the scene of the accident to a local body shop or storage location.

The tow yard may require you to sign a release prior to moving or allowing an appraiser to inspect the vehicle.

Roadside Assistance is a separate, optional service available to NJM policyholders. For information on emergency towing of a disabled vehicle, visit NJM Roadside Assistance.

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.