Questions Answered

Auto Estimates and Repairs

My car isn't drivable and is sitting at a storage facility. What should I do?

Consult with your adjuster as soon as possible. There may be daily storage fees, so we may want to have your vehicle moved to one of our vendor's facilities as soon as possible. If you do not allow us to move your vehicle, you may be responsible for storage fees.

Can I get a vehicle damage estimate before filing a claim?

Yes, you can have a shop prepare an estimate before you file a claim, but the damage to your vehicle will need to be inspected by NJM before any repairs are made.

If you've already obtained an estimate, let your claims adjuster know and provide them with a copy.

Where can I go to get my car repaired? Does NJM have any repair shops?

Our Premier Car Care Network consists of NJM-certified auto repair shops, where work is guaranteed for 2 years. Find an auto body shop. However, you may choose any licensed auto repair facility. We won't require you to use a shop in the Premier Car Care Network, even if you get an initial estimate from one of them. You may also qualify for our photo estimating app, which allows you to submit photos of your vehicle through a smartphone for an estimate to be written. If you are interested in this option, please contact your adjuster for more details.

Can the other insurance company tell me where to get my vehicle repaired?

No. Provided the repair shop is licensed, the other insurance company should try to reach an agreed price with the shop of your choice. If the other insurance company cannot reach an "agreed price," they will provide you with the names of licensed shops that can do the repairs for the company's desired price.

What is a total loss?

When a vehicle is considered unsafe to use or an accident causes so much damage that your vehicle can't be repaired, it may be considered a total loss.

NJM will evaluate the damage and let you know whether your vehicle can be repaired or is a total loss.

Does NJM have to pay off my car loan?

NJM is only required to pay the value of the vehicle. If your car's value is less than the amount remaining on your vehicle loan, you will still be responsible for the difference. Some policies may qualify for an additional endorsement to cover this gap, known as Gap Coverage. Please contact the Personal Lines Underwriting Department at 1-800-232-6600 with any questions about your policy coverages.

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.