I was hit by someone with NJM insurance and it took a full year to get any sort of payout from them even though she was 100% at fault according to my insurance & police, NJM claimed I was 25% at fault. They also only offered to pay 75% of repairs that were left to do AFTER I had already paid to make the car driveable, even though they are liable for that damage as well. It was IMPOSSIBLE to get ahold of my claim rep and she only offered the full amount they’re liable for after I threatened her manager and the managers managers manager with a law suit. I can’t imagine their customer service for actual customers is any better.