Auto Insurance Policyholder FAQs | NJM

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Auto Insurance Frequently Asked Questions

Auto Insurance Policyholder FAQs

Current Policyholder Questions

How can I get additional liability insurance protection?

It is always a good idea to protect your assets, and you can do that with an NJM Umbrella Policy. For a moderate charge, an umbrella policy not only provides additional dollar-amount protection in case a lawsuit is filed against you following a covered auto accident or homeowners liability incident, it also offers protection against personal injury liability, such as libel or slander. Available to those who have NJM Auto Insurance with at least $500,000 in liability limits, an umbrella policy provides coverage above your standard policy, up to your chosen limits.

Do I have coverage if I rent a car?

If you have coverage for collision and other than collision (comprehensive) for at least one of the vehicles on your policy, you are eligible for rental car coverage. The same deductibles will apply to your rental vehicle.

NOTE: If you do not have physical damage coverage on any of your insured autos, you will need to purchase this coverage from the rental car agency. Coverage for a rented (non-owned) auto is provided only while renting the vehicle in the United States, its territories or possessions, Puerto Rico or Canada.

How do I replace a lost ID Card?

You can request an ID Card by registering and using Manage Your Personal Policy Online.

You can also call us any time, any day toll-free at 1-800-232-6600. Be sure to have your policy number at hand.

Is a parking ticket considered a motor vehicle violation?

Parking tickets are not considered motor vehicle violations. However, failure to pay parking tickets can result in a suspension of driving privileges, which can affect eligibility.

Is a zero-point ticket considered a motor vehicle violation?

Your history of motor vehicle violations can affect your premium. The point value assigned to any given offense varies depending on your state, but even zero point tickets are motor vehicle violations.

How do you confirm that I qualify for driver discounts?

The discounts are included in the quote, but documentation will be required to prove eligibility at the time you purchase your policy.

To submit documentation for review, log in and upload them to your online account or email them to Don't have an account yet? Register here.

What is a deductible?

A deductible is a payment you have to make before the insurer pays. For example, a $750 deductible means that you pay the first $750 of each claim out of your pocket.

What deductibles should I choose?

This is a personal decision dependent upon how much you would be able to pay at the time of a loss. A lower deductible will result in a higher insurance premium. A higher deductible will result in a lower insurance premium; however, you will need to pay more out-of-pocket at the time of a loss.

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.