Questions Answered

Pennsylvania 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 an auto accident or homeowners liability incident, it also offers protection against personal injury liability, such as libel or slander.

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?

Call us any time, any day toll-free at 1-800-232-6600. After you have answered the prompts to indicate you are a current car insurance policyholder, you will have the option to leave a message requesting that a new ID Card be mailed to you. Be sure to have your policy number at hand.

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

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 violation?

Zero-point tickets are considered violations. Examples of zero-point violations include unsafe operation of a motor vehicle, and delaying traffic.

Why am I asked for my age, gender and marital status?

Our rating factors are partially based on age, gender and marital status.

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.

Can I add my significant other to my car insurance policy?

If your significant other lives with you and drives cars registered to you, you can include him or her for your quote. Coverage limitations will apply.

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.

Am I able to apply if I don't have a Pennsylvania driver's license?

You may obtain a quote, apply and purchase a policy without a Pennsylvania driver's license number. However, Pennsylvania laws require residents to hold a Pennsylvania driver's license so it is a good idea to get your license as soon as possible.

Can I apply for a policy to cover a vehicle I don't own?

You can apply for insurance if you plan to own, lease or finance a vehicle. However, your policy cannot cover a vehicle registered to somebody outside your household.

Can I apply if my vehicle is registered out-of-state?

If you are new to the state, you can apply for insurance but will be required to register the vehicle in Pennsylvania within 60 days from the start of your policy.