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colonel_batguano t1_jeal6v9 wrote

Have had NJM since I started driving, which was well into the last century. I would recommend without question. I have to wonder if some of the bad reviews are paid bots from insurance agents that represent other companies.

I’ve had no issues getting a person on the phone, if I have a claim, I get a dedicated representative to deal with and I can call or email them. They pay ME as the policyholder very quickly. I’ve not had to deal with them on the other end of getting paid by someone else’s policy (I always though that with NJ being a no-fault state, I just deal with my insurance, and let them fight with the other one)

For homeowners, I have the chance to adjust my policy every year, so I make sure I have enough coverage.

I just had to make some adjustments on my auto policy and always got someone on the phone within 2 minutes and got my issues taken care of right away.

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Typical-Atmosphere-6 t1_jeaszb9 wrote

I've had NJM for almost 20 years, all the way back when they were so restrictive, the company you worked for would give you a pin number in order to even be a part of it and even then you would need a perfect driving record. I hear a few years ago they opened it up completely to anyone in NJ. Been in a few fender benders over the years, never ever had an issue. I've gotten quotes from Geico and others over the years, but the NJM rate I have is so low, other companies can't even come close.

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RatRanch t1_jeasw1l wrote

Same here. Had a major claim (fire) a few years back and NJM was nothing short of fabulous.

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Sonicfan42069666 t1_jeauxl8 wrote

I grew up on NJM through my family. Newly insured and had to go with another company. Now that I'm insured for six months, I plan to switch to NJM.

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Necessary-Pension-32 t1_jebmm9q wrote

If your family still has NJM, you should have been able to set up a legacy policy. I'd call their rep and ask them who to speak with.

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Sonicfan42069666 t1_jebpnw2 wrote

A bit late for that now, I've been on State Farm since November. May as well stick with them until the renewal.

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ahumanlikeyou t1_jeb1lw1 wrote

I'd be curious to hear if anyone has had good experiences with claims at NJM recently. I just added home insurance to my NJM bundle, and that was very easy. Dunno how things are over in claims though

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rpg25 t1_jebf13e wrote

Can't say I had the same experience with them. I had them for two years and each year they drastically raised my rate despite having made no claims or having any adverse events on my driving record. I'm convinced it was a teaser rate to get me to bite and then they raised it when they felt they could.

Of my coworkers? Many swear by them and recommend them like yourself. That said, there are also a decent amount of guys who said that they were dropped after one claim.

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colonel_batguano t1_jebg26u wrote

They don’t drop you for one claim, but if you have points on your license, they will drop you for certain.

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rpg25 t1_jebhkts wrote

That may have been your experience… But I have it on good authority from people who I trust that would have no reason to lie to me that they got dropped after a single claim. And honestly? It stands to reason that they might drop you after one claim to keep rates low.

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yoitswillie t1_jebh9f9 wrote

Same here. I have not had to call them too many times, but when I did, they were great. No insurance company has come close to their rates in quite some time (I can only speak on having a clean driving record)

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