NJM Auto Insurance: A Comprehensive Guide for Car Owners

Car owners are always on the lookout for the best auto insurance provider that offers them the right coverage at an affordable price. One such provider that has been in the market for over a century is NJM Auto Insurance. NJM stands for New Jersey Manufacturers Insurance Company and is one of the largest auto insurance providers in the state of New Jersey.

What is NJM Auto Insurance?

NJM Auto Insurance is a mutual insurance company that was founded in 1913 to provide auto insurance to members of the New Jersey Business & Industry Association (NJBIA). Over the years, NJM expanded its membership eligibility to include public sector employees and their families, as well as federal employees and their families who live or work in New Jersey or Pennsylvania.

Today, NJM Auto Insurance is known for its exceptional customer service, competitive rates, and innovative auto insurance products. NJM offers a variety of auto insurance policies, including liability insurance, collision coverage, comprehensive coverage, personal injury protection (PIP), and uninsured/underinsured motorist coverage.

Why Choose NJM Auto Insurance?

There are several reasons why car owners in New Jersey and Pennsylvania choose NJM Auto Insurance for their auto insurance needs:

Reason
Description
Financial Stability
NJM has consistently earned superior ratings from independent rating agencies for its financial stability and claims-paying ability.
Competitive Rates
NJM offers some of the most competitive rates in the industry, thanks to its focus on safety and loss prevention.
Excellent Customer Service
NJM prides itself on its exceptional customer service, which includes a 24/7 claims helpline and knowledgeable agents who are always available to answer customers’ questions.
Innovative Products
NJM continually develops innovative auto insurance products that help customers save money and protect their assets.

NJM Auto Insurance Coverage Options

NJM Auto Insurance offers several coverage options that can be customized to meet a customer’s individual needs:

Liability Insurance

Liability insurance covers damage or injury that you cause to other people or their property while operating your vehicle. NJM offers both bodily injury liability and property damage liability coverage.

Collision Coverage

Collision coverage covers damage to your vehicle that occurs as a result of a collision with another vehicle, object, or road hazard.

Comprehensive Coverage

Comprehensive coverage covers damage to your vehicle that occurs as a result of theft, vandalism, fire, or natural disasters like flooding or hail.

Personal Injury Protection (PIP)

Personal injury protection (PIP) covers medical expenses and lost wages for you and your passengers in the event of an accident, regardless of who is at fault.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage protects you and your passengers in the event that you are involved in an accident with an uninsured or underinsured driver.

FAQ About NJM Auto Insurance

How do I file a claim with NJM Auto Insurance?

You can file a claim with NJM Auto Insurance by calling their 24/7 claims helpline at 1-800-367-6564 or by visiting their website and filling out a claims form.

Does NJM Auto Insurance offer discounts?

Yes, NJM Auto Insurance offers several discounts, including safe driver discounts, multi-car discounts, mature driver discounts, and more.

Does NJM Auto Insurance offer roadside assistance?

Yes, NJM Auto Insurance offers roadside assistance as an optional add-on to their auto insurance policies.

How can I get a quote from NJM Auto Insurance?

You can get a quote from NJM Auto Insurance by visiting their website and filling out a quote request form, or by calling their customer service hotline at 1-800-232-6600.

What sets NJM Auto Insurance apart from other auto insurance providers?

NJM Auto Insurance is known for its exceptional customer service, competitive rates, and innovative auto insurance products. NJM has also consistently earned superior ratings from independent rating agencies for its financial stability and claims-paying ability.

Overall, NJM Auto Insurance is a reliable and trustworthy auto insurance provider that offers a variety of coverage options at competitive rates. Whether you’re a new car owner or have been driving for years, NJM has the right auto insurance policy for you.