Questions Answered

Glass Claims

What is considered covered auto glass?

Auto glass would be various types of window glass in your auto, including windshield, back, side and roof glass. Excluded from auto glass would be side view mirrors, headlights, and taillights.

What type of coverage applies to auto glass damage?

The comprehensive coverage under your NJM Auto policy covers damage to your auto glass. NJM will waive your deductible if your auto glass can be repaired rather than replaced. If replacement is necessary, your comprehensive deductible would apply. Some states have different coverages, so please check with your adjuster to see what would apply.

How do I know if my auto glass can be repaired?

In most instances, if you can cover the damaged spot with a dollar bill, repair is possible. However, this is just a guideline and does not determine a successful repair. Repairs are not guaranteed, as the damage to the auto glass can spread before, during, or after a repair. If you are dissatisfied with the repair or if the repair fails at any point, a replacement will be subject to your comprehensive deductible.

How can I report my auto glass claim?

Please contact our claims department at 1-800-367-6564 and follow the prompts for Auto Glass Only damage. This will direct you to our glass unit to report your claim.

When do I pay my deductible for my auto glass replacement?

When you use a preferred glass provider, you would pay your deductible directly to the glass shop once the work has been completed. If you are not using a preferred glass provider, please contact your auto glass claims representative for further information.

I would like to use my dealership or a provider that is not affiliated with NJM for my auto glass replacement. Can I still file a claim?

Yes, you can still file a claim if your selected provider is not affiliated with NJM. Your auto glass claims representative would need to review an estimate from your provider before the work is completed. Please contact your auto glass claims representative for further information.

Will NJM cover the cost of recalibration once my auto glass replacement has been completed?

Yes, the cost to recalibrate your safety features, such as the camera, rain sensor, and other equipment related to the auto glass installation is covered. If the cost to replace your glass does not exceed your deductible, you will be responsible to pay for replacement.

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.