Applying For New Jersey Manufacturer Auto Insurance

New Jersey Manufacturers Insurance Group, also known as NJM, offers auto insurance to eligible applicants. To be eligible for personal auto insurance, applicants must meet membership criteria. NJM has been serving the insurance needs of New Jersey's businesses and individuals for over 100 years, providing auto insurance to member company employees and state workers. The company has a reputation for efficiency, integrity, and superior service, and has been recognised for its exceptional auto claims experience.

New Jersey Manufacturers Insurance Group's history and reputation

History

The New Jersey Manufacturers Insurance Group, originally known as the New Jersey Manufacturers Casualty Insurance Company, was founded on June 7, 1913, by factory owners who wanted to purchase insurance from a reliable, local, safety-oriented carrier. This was two years after New Jersey passed the Workmen's Compensation Act, which required all employers to carry insurance coverage for injured workers.

The company's original goal was to provide cost-effective, safety-conscious, and financially secure insurance to New Jersey business owners. By 1922, the company was the largest provider of workers’ compensation insurance in New Jersey.

In 1921, the company expanded its services, providing insurance for property loss, commercial auto accidents, private automobiles, and homes.

On January 1, 1965, the New Jersey Manufacturers Indemnity Insurance Company (founded as the New Jersey Manufacturers Fire Insurance Company on December 6, 1921) merged with the New Jersey Manufacturers Casualty Insurance Company to form the current legal entity.

Reputation

The New Jersey Manufacturers Insurance Group has built a reputation for efficiency, integrity, and superior service. It has also earned a reputation for the prompt and fair handling of claims. The company regularly receives high customer satisfaction ratings and compares favourably against other insurance companies in published surveys, particularly regarding customer and claims service in auto insurance.

The company has received numerous awards and accolades, including:

• An A+ (Superior) rating from AM Best in 2023.
• J.D. Power’s Personal Auto Claims Certification in 2018.
• Ranked among the best for overall satisfaction in the J.D. Power U.S. Auto Insurance Study in 2019.
• Listed as a top insurance company heading into 2022 by NerdWallet.
• The National Safety Council's Teen Driver Safety Leadership Award in 2016.
• The Corporate Social Responsibility Award for Public Health or Safety Initiative for the Teen Driver Safety Program by PR Daily in 2019.
• Ranked #4 in customer service by JD Power for the mid-Atlantic region.

Eligibility criteria for personal auto insurance

New Jersey Manufacturers Insurance Group, also known as NJM, offers personal auto insurance to eligible applicants. The company was founded in 1913 by factory owners who wanted reliable, local, and safety-oriented insurance. Since then, NJM has built a reputation for efficiency, integrity, and superior service.

To be eligible for personal auto insurance with NJM, applicants must meet specific membership criteria. While the exact eligibility criteria are not publicly available, it is known that NJM offers insurance to residents of Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. Additionally, as of October 1, 2015, NJM expanded its eligibility to include all public sector employees in New Jersey, including county employees.

NJM provides a range of insurance options, including auto, homeowners, renters, and business insurance. They are known for their commitment to their customers and have been certified by J.D. Power for providing an exceptional auto claims experience for six consecutive years.

NJM offers various benefits to its policyholders, including discounts for bundling policies, good student discounts, and 24/7 access to policies through their online platform. They also return dividends to policyholders, with auto policyholders receiving an average of $229 in dividends in 2015.

Overall, NJM has a strong reputation and a long history of providing reliable and customer-focused insurance services in the Mid-Atlantic region.

Benefits of NJM auto insurance

New Jersey Manufacturers Insurance Group, or NJM, offers a range of benefits to its auto insurance customers. Here are some advantages of choosing NJM for your car insurance needs:

Customer Satisfaction and Claims Handling

NJM has consistently been recognized for its exceptional customer service and claims handling. The company has been certified by J.D. Power for providing an exceptional Auto Claims Experience for six years in a row. This demonstrates their commitment to customer satisfaction and their dedication to handling claims efficiently and effectively.

Wide Range of Coverage Options

NJM offers all the standard coverage options, including liability, state-required coverage types, comprehensive and collision, and roadside assistance. They also provide additional coverage options, such as new car replacement, transportation expense reimbursement, and pet coverage. If you opt for comprehensive and collision coverage, you can add gap insurance for extra protection.

Discounts and Savings Opportunities

NJM offers a variety of discounts to its policyholders. For instance, you can save by insuring multiple vehicles, bundling your policies, paying your premium in full upfront, enrolling in automatic payments, or choosing electronic document delivery. Students with good grades may also qualify for a discount.

Dividends and Premium Credits

NJM operates similarly to a mutual insurance company, returning underwriting profits to its policyholders. In 2015, auto policyholders received an average of $229 in dividends, and since 1918, the company has returned nearly $5.8 billion to its customers. While these payments are not guaranteed, they demonstrate NJM's commitment to its policyholders.

User-Friendly Website and Easy Claims Reporting

NJM's website is user-friendly and allows policyholders to log in, view policy information, make payments, and report claims conveniently. This accessibility makes managing your insurance policy and filing claims straightforward and efficient.

Safe Driving Incentives

NJM SafeDrive is a usage-based program that encourages safe driving habits. By tracking factors like acceleration, braking, cornering, distracted driving, and speed, participants can earn discounts on their insurance premiums. Importantly, your rates will not increase based on your participation in the SafeDrive program.

Overall, NJM auto insurance offers a comprehensive range of benefits, including excellent customer service, a wide range of coverage options, discounts, and dividends. Their user-friendly website and safe driving incentives further enhance the value proposition for customers.

Applying for NJM auto insurance

New Jersey Manufacturers Insurance Group, also known as NJM, offers auto insurance directly to consumers without the additional expense of agents' commissions. The company has been serving the insurance needs of New Jersey's businesses and individuals for over 100 years.

Eligibility

To be eligible to apply for NJM auto insurance, you must meet the membership eligibility criteria. As of October 1, 2015, all public sector employees in New Jersey, including county employees, are eligible to apply for the company's personal lines insurance products.

Getting a Quote

You can get an auto insurance quote from NJM by visiting their website, njm.com, or by calling 1-800-232-6600 to speak with a representative.

Types of Coverage

New Jersey is a no-fault state, which means that drivers must have personal injury protection (PIP) coverage on their auto insurance policies. PIP ensures that your medical bills will be reimbursed, regardless of who is at fault in an accident.

In addition to PIP, NJM offers various types of auto insurance coverage, including:

• Bodily injury (BI) liability: Reimburses other drivers and their passengers for medical care costs if you are responsible for an accident.
• Property damage (PD) liability: Covers the cost of repairs to other vehicles if you are responsible for an accident.
• Uninsured motorist/underinsured motorist (UM/UIM): Provides reimbursement for medical or car repair bills if you are involved in an accident caused by a driver with little or no insurance.
• Collision and comprehensive: Helps cover the cost of repairing or replacing your vehicle if it is damaged in a collision or by another covered event, such as fire or severe weather.
• Loan/lease payoff: Provides additional reimbursement if your vehicle is declared a total loss, helping to cover the difference between what you owe and the vehicle's value.
• Rental car reimbursement: Covers the cost of a rental car while your vehicle is being repaired.
• Roadside assistance: Reimburses you for common roadside emergencies, such as towing, fuel delivery, or a flat tire change.

Discounts and Dividends

NJM offers various discounts on auto insurance, such as those for anti-theft systems and driver discounts (documentation is required to prove eligibility). The company is also known for returning dividends to its policyholders, with auto policyholders receiving an average of $229 in dividends in 2015.

Contacting NJM

There are several ways to get in touch with NJM. You can call, email, or write to them. Here are the details:

Phone:

• For sales and policy information, call 1-800-232-6600. They are available Monday to Friday from 7 a.m. to 9 p.m. and on Saturday from 8:30 a.m. to 4:30 p.m.
• To report a claim, call 1-800-367-6564. This line is available 24 hours a day, 7 days a week.
• For workers' compensation sales, call 1-888-656-4467 ext. 8352. Their business hours are Monday to Friday, 8 a.m. to 4:15 p.m.
• For policy information, call 1-888-656-4467 ext. 4003. They are available Monday to Friday, 8 a.m. to 5 p.m.
• For workers' compensation claims, call 1-800-435-7656. This line is open Monday to Friday, 8 a.m. to 5 p.m.
• For all other business insurance sales and policy information, call 1-888-656-4467. The line is open Monday to Friday, 8 a.m. to 4:15 p.m.
• For bill or payment questions, call 1-800-232-6600. Personal policyholders can call Monday to Friday, 7 a.m. to 9 p.m., and Saturday, 8:30 a.m. to 4:30 p.m. Commercial policyholders can call Monday to Friday, 8 a.m. to 5 p.m.

Email:

• For policy questions, send an email to [email protected].
• For sales inquiries, send an email to [email protected].
• For questions about your bill or payment, email [email protected].
• For questions about an existing claim, use the contact form on the NJM website.

Address:

NJM Insurance Group

301 Sullivan Way

PO Box 428

West Trenton, NJ 08628-0227

Other Contact Methods:

• You can also reach out to NJM through their website by logging in to your personal or business account.
• Additionally, they offer a live chat feature on their website for further assistance.

Frequently asked questions