NJM Auto Insurance Reviews

Was with Mercury ins. The renewal had an increase, asked agent why your accident 3 yrs ago. That was a non chargeable accident, hit & run in my own driveway renewal would be over $2000.00 per yr. Started to go A ton in phone book every was either a 6 month policy which I don't take or wanted to charge for 3 yr old accident. Found one which I had skipped over, since it was always you had to work for a company who was insured by them or have them as your home ins. Co. Gave it a shot. They do sell to general public & let me say they requested a copy of the accident report & confirmed it was not chargeable & my rates should not have jumped as they did.

Although this company is not open to the general public. It is open to mostly state and Municipal workers. You need a clean driving record for 3 years before they will consider your application. It has great rates, great discounts and pays well if you get into an accident. Also, unlike other companies it will only use genuine parts on your vehicle if you get into an accident.

NJM pays claims quickly. They do not raise rates for moving violations or accidents. Discount if you buy home insurance too. They provide a full line of insurance services like umbrella policies at reasonably rates. I have been with this company for all my insurance needs since 1988 when my previous insurance company tried to gauge me for something that was not my fault. I Highly recommend NJM.

I've had NJM for over 40 years. They always send a rebate check if you do not have an accident. I have received a check for over 40 years. Good customer service but not great. I Had an issue in the past - car break in and I thought they could have been better at paying me for a loss in a timely manner. They did when pressed. All in all NJM has been a great company to all my friends family and co- workers in PD and FD.

I have been with NJ Manufacturers for 6 years. Always paid on time, no tickets for 17 years, I get in one accident that wasn't even my fault and the claims adjuster didn't even fight for me. Like why am I giving your company business if your not going to protect me. The other driver had road rage and I got a ticket because he slammed on his brakes on a ramp getting off the parkway and I hit him from behind. He said he yielded to traffic and the ramp went into its own lane. The cop believed him his excuse for stopping. But he didn't tell the cop how he got out of his car while I was on the phone with 9-1-1 and said, "you want to give me the ** finger, well now ** you."

NJM is the worst - maximize profit at the cost of their own subscribers and morality. A vehicle recently hit my new car from behind. I have dash cam footage of the incident. It shows the offending car without any turn signal, in one of the 2 turn lanes. I take the turn and complete it from within my clearly marked lane, then they ram into me. NJM insures the at fault driver, and they claimed I was at fault because I turned into the lane of the at fault driver, but this is because he hit me and caused me to swerve! The audio in the dash cam clearly shows this. Geico has been great, taking them to arbitration and even giving me half my deductible up front regardless of what the arbitrator decides, and when they win I get the other half.

KAREN ** EXTENSION ** is trying to take advantage of a mentally disabled woman!!! She is rude and inconsiderate of people with disabilities and someone trying to help them. She is not a trustworthy person and how she can work fro NJM is horrible. They should really look into who they hire. She gives bad information and won't admit her fault. Now she is acting as a collection agent. Maybe that's where she should work for a bill collector. Then she will fit right in.

NJM Insurance literally kicked me off of my auto insurance policy without notice and told me I am not able to reinstate or open a new policy with them for 3 years! Here's what happened: I bought a new car in January (2019) after my very first car was totaled while parked (some people shouldn't be allowed outside when it snows). I was shopping around for insurance and went with NJM because it was referred to me by my car dealer (thank you Danis Auto). The very first conversation I had, was with a nice lady who helped me open my policy right away so that I can get on the road and start driving. My quote was $203 a month for full tort, and all the bells and whistles.

No one in the US is close. Auto, home insurance. Hours to call as needed. Claims are processed fast and efficiency, honestly and more than fair. Price, transparency, service. Ease of changes. Exceeds expectations in all regards.

Had NJM for 40 years, easy to deal with, no hassle claim submitting, very knowledgeable staff. They are are a little higher in rates than other insurance companies but the great customer service makes up for that.

I have been with NJM Auto since I was 17 years old... a loyal Auto policyholder for the past 45 years! And when I bought my first home in 1981, they have been my homeowner's insurer as well. Why all of these years when so many times I've had opportunities to switch?

My son has auto insurance with NJM. A year ago he Had slight fender accident; not his fault; no police were called; no tickets issued; both vehicles had minor scratches. He contacted NJM reported it and gave written statement to NJM but did not file claim cause repairs for scratches were less than deductible. Never heard a peep out of NJM all year till he got his policy renewal. It went from $600 per year up to $2,000. He called NJM to find out why and to find out that the other driver filed a claim against him (which was he said; she said). And paid out a claim for the other vehicle's scratches of $900.00. NJM never contacted him for further details; never informed him that there was a claim filed nor that they paid out a claim.

We been a customers of NJM for 35+ years with auto and homeowners. 2 years ago, our H/O policy was $1500, I just received my 19-20 Policy it’s almost $4000!!! Recently had 1 claim (1 in 5 yrs) - water from washer flooded our kitchen/laundry room floor 8k claim to fix.. Now it’s almost tripled with same coverage from 2017!! What’s the purpose of being insured if you can’t file a claim, when needed? This company completely disappointed me not only with this but my auto too - no accidents no tickets went from $900 to $2600!! What the heck is going on? I have to switch and I hope I can get a Reasonable Price. I’m in shock, this is totally unfair, NJM!!!

I was involved in a motor vehicle accident where the other driver was insured by NJM and took responsibility, there was also a police report with pictures taken. My injuries required a couple doctor visits following an emergency room visit. The adjuster Sherille ** obtained my medical records after I signed the release (I waited months for her to even get them) just for her to say my initial appt did not mention the accident and my follow up appointments did not have the date I was in the accident on them. This was a bit confusing to me so I obtained the records myself just to see that my initial appt did mention the car accident and my follow up appointments stated "weeks ago". I am certain she could have sought clarification from the orthopedic specialist had she needed it.

We had an Accident in October 2018. Not our fault although it was my word against the other driver. NJM very responsive and I had full payment within two weeks- full replacement value of the car. (The damage to our car was over 75% the blue book value of the car so NJM 'totaled' the car.) I have a $1000 deductible which was deducted from that full replacement payment. NJM was more than fair with the replacement value of our car- and they were more than responsive all the way through the process. NJM is still (As of April 10, 2019) pursuing the other insurance company to recoup my $1000 deductible. It is a weary process but I receive updates every several weeks from NJM- both phone calls and in writing.

I was recently involved in a motor vehicle accident where the other driver who was insured by NJM was 100% at fault as stated by the driver and the police report. This accident occurred in December 2018 and in March 2019 the claim is still unresolved. NJM is refusing to take accountability for their insured driver and making me financially whole. To this date my vehicle is still damaged with a safety system inoperable and there is no end in sight. NJM Insurance lives by the motto, Delay, Deny, and Defend.

Amira ** is extremely rude, lazy and unprofessional. She never once contacted me in regards to updates to my claim or the fact that the other driving was trying to claim. I was at fault although it was clear on the police report that he was at fault 100%. I had to go above her to get things moving. I have been in my rental for a almost 30 days without so much as one call from Amira until I lost my patience and began calling her and her supervisor Kathleen ** taking time away from my job to try and get information on my car.

We've had NJM for over 13 years, auto and homeowner's insurance. Rates have steadily increased over the years, which is understandable. HOWEVER, when we added our twin, 17 year old, newly licensed daughters to our policy, our annual premium went from $3,000 to $7700!!! Way more than double! We still had the same three cars we always had. Just added the girls. That $7700 rate also included the good student discounts. We've also had NO CLAIMS, NO POINTS, NO ACCIDENTS!!! Absolute robbery on the part of NJM and the NJ car insurance industry!! Needless to say, we switched to another carrier that was $3000 less than what NJM demanded. Despicable!

We now have AAA Roadside Assistance thanks to NJM! Working with NJM's Roadside Assistance (which is included in our insurance coverage) was a horrible experience! My vehicle broke down and had to be towed. My husband and I both tried calling, but kept getting an automated system. I finally just stopped resisting and went through the whole request process through automation. Shortly after, we received a text stating that it would be a 90 minute ETA for the tow truck which was understandable since it was 11:00 p.m. at night. I ended up canceling the tow request and got an Uber home since it was so late.

I got my car repaired and fixed, and their Claims Dept (Tina and Donna) would not reimburse the money. They cheat and betray and back out on their own words, even when everything is documented. They are bunch of liars and cheaters. Now I would have to take them to the court.

My family and I were in an accident that totaled the car. No one was seriously hurt and the other party was at fault. I called NJM to start the process as I was unfamiliar with what to do after an accident, further, I was still in a malaise and not thinking too clearly. Since it happened on a Saturday, I went ahead on Sunday to get a rental car. I booked something similar ($100/day) to transport the family, plus I put out the $90 to get a Lyft back home.

I recently became a homeowner because of the death of my father. He had homeowners insurance with NJM. Now I have homeowners insurance with NJM. I have had auto insurance with NJM for many years. I can now bundle auto and homeowners insurance. I should receive a 15% discount on my homeowners insurance. Not exactly. Depending on how one does the math I am either going to be paying just as much as my father would have paid or a little bit more (I just received a statement with my father's name on it for 2018/2019, that is how I know). I had to get a new homeowners insurance insurance policy - I could not just transfer information from my father's policy to mine, even though nothing else has changed. The 15% discount has DISAPPEARED. All to the advantage of NJM.

I'm currently really annoyed with NJM. I took a defensive driving course and got the certificate for it in March. My plan just renewed (June)... and I haven't even made my first payment for the renewal yet, it's not due till the end of the month. I called them to ask them what I should do about the certificate and they told me "It's likely this won't be applied to your insurance this year since your policy already started." (AGAIN. Didn't even make my first payment.) I've been an NJM customer for 13 years, and I'm fighting this because I think this is absolutely ridiculous. This is really the first issue that I've ever had with them, but I'm SUPER annoyed.

I filed a claim with N.J. Manufacturers about a three years ago. I was involved in a minor car accident out of state. I was stopped in heavy traffic on the Pa. Turnpike and my foot slipped off the brake pedal in my car and I rolled into the car in front of me. I pulled to the side of the road and checked to make sure no one was hurt, etc. The owner of the car was very hostile and when I suggested that we should contact the police, she refused. To make a long story short, I continued on to my destination in Pa and the women went her way. We did in fact exchange driver's license, insurance cards, etc.

Filing a claim with NJM is very professional, easy and quick. Excellent coverage for a fair price, provides approved repair companies. Also, always a please calling, great customer service, quick payments!

My windshield was cracked in the summer and Safelite came out for repair, no problem. Then last week during one of the snow storms the crack grew larger splitting my windshield. I contacted NJM to report a windshield replacement claim and was on the phone a long time giving details of the claim and set up an appointment with Safelite. I contacted Safelite to confirm and they advised me NJM never set up a claim and my windshield had to be ordered and I had to now reschedule a new appointment date. Therefore if I didn't call I would have waited all day and no one would have showed. The damage ended up being under my deductible so my question is what did I actually need NJM for? The inadequate girl answering the phone, didn't even know how to process a claim properly.

As a member for about 10 years, I never had a claim to file until a couple weeks ago when my truck was hit while parked. Due to it being a state owned vehicle that hit me, under law all they have to do is pay my deductible. So after getting multiple estimates, I submitted the cheapest in my claim. Their adjuster came out and inspected, and agreed to me that it was all on point. After 4 days of not hearing from them, I called, and they said the claim is closed, and said they mailed me a check for 1/3rd of the estimate. They won't pay for the seriously bent up impact bar, or a few other parts until the truck is dismantled at the shop, and they schedule the adjuster to come back and take more pictures.

I've had no problems with them. But the one problem I have with this and all the other companies is that, even with a clean driving record (no tickets, no accidents) the premiums go up with age. I also don't think a credit score should be part of the equation.

I rarely have to call, because fortunately I have little need to do so, however when I have a need the process is painless. All it takes is one phone call and everything gets done without a problem. I am sure I could get insurance for less, but I could also get other things for less too, and I am not going to base my decision on cheaper deals. I have had NJM for more years than I care to count and when the need arises I feel that this company will address my needs in a responsible way.

The very best insurance company in the whole wide world. Everything went great and I got more than I expected!!! They even give out tremendous dividend bonuses but you have to be a government employee to be eligible for this insurance. Sorry!!!