Very bad experience I had an accident that was not my fault. I paid my deductible $500.00 for repair my car. I gave all information about my accident: picture of car damage, plate number, police officer name ....but l got a letter from NJM Unfortunately, the evidence in this case along with the applicable negligence law for NY indicates NJM would be unsuccessful obtaining subrogation recovery in this matter. So I would like to know why I do have to pay for accident if it was not my fault?

Very responsive As soon as I contacted NJM after the accident, they told me how to proceed with the repairs as well as renting a car if I needed to. They also reimbursed me for my towing expenses.

NJM has a streamlined claims process NJM has a streamlined claims process. They are efficient. I turned in my receipt and I received a check in less than 4 days.

Emily Smythe - Excellent Customer Service Emily Smythe was my Insurance Adjuster and contact for my last occurrence/incident involving my vehicle. Ms. Smythe went above and beyond her job responsibilities to put my mind at ease and help me every step of the way. She excelled in customer service as well as knowledge of the NJ State laws and kept in close contact with me assuring my every inquiries were answered and in a timely matter. I have had NJM Insurance on all my vehicles and home for over 30+ and they are excellent bar none! Thank you Emily for all your assistance during this stressful time. Michele

NJM has always been very prompt … NJM has always been very prompt in responding to my questions. Sheila sent me emails at decisions being made, between my auto body shop and NJM. I really appreciated that.