Reporting a Claim

It depends. Various states and types of claims may have different time constraints for claim filing. It is always best to contact us as soon as possible in order to avoid any delay or issues in the processing of your 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.

If you are using your NJM Auto coverage to pay for the damage to your vehicle, there is no need to respond to the other driver's insurance company. However, if the other driver is responsible for the loss and you are pursuing your property damage or any other claim against the driver, you should cooperate with the other insurance company during its loss investigation.

Once a police report is made available, NJM would be more than happy to provide you with contact information for the other driver's insurance company. Once you have the other driver's insurance information, you are well within your right to contact that company and file a claim directly with them. NJM will be available for any guidance and support you might need.

Yes. If you are unhappy with the other driver's insurance company and you have not yet accepted payment from that carrier, please feel free to contact NJM. If we determine that your NJM policy covers your loss, we can handle your claim and ultimately seek reimbursement from the other driver's insurance company for the damages, including your policy deductible.

Typically, the claims process will look like this:

  1. A claims adjuster will be assigned.

  2. An inspection of your vehicle may be required.

  3. We will request a statement of what occurred in the accident, along with any available photos.

  4. We will conduct our investigation and determine liability. If you already have a police report, dash cam or video surveillance, please send it in.

  5. Your assigned claims adjuster will contact you to review the outcome of the inspection and provide the next steps.

If you have an account on, you can log in to upload claim documents, and you can also email documents directly to your assigned adjuster. If you would like to forward documents to us via mail or fax, please send them to your claims adjuster. Be sure to include your claim number on any documents you send.

Every claim is unique, and the length of the claim process depends on a number of factors, including our receipt of any documentation required to adjust your claim, whether an inspection is needed to fully assess your damages, and whether any coverage questions exist and require additional investigation. Our goal is to provide you with prompt, efficient and accurate claim handling. Once an agreed settlement is reached, we make every effort to issue your claim payment promptly.

NJM will request a copy of the police report during our investigation. However, the drivers involved in an accident are often able to obtain copies of these reports more quickly than insurance companies. If you have the police report, providing a copy to NJM will help expedite the claims process.

The police report may contain factual errors involving basic details, such as the date of the accident or a vehicle's make or model. Alternatively, you may disagree with a statement in the report that is attributed to you, the other driver, or a witness. It can be much more difficult to correct disputed information than factual errors. For either issue, it is best to quickly contact the investigating officer to request an amended police report. You will need to provide documentation and a statement. It is within the officer's discretion to add your revised statement to the report.

Lawsuits are time sensitive and should be faxed to 609-883-3191 to the attention of the Legal: S/C Department. If available, include your claim number on the correspondence. If you receive a Summons & Complaint or any other legal documentation, contact your claims representative.

The information contained on this page should not be construed as legal, financial or insurance advice. 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.