NJM Car Insurance Review 2022

NJM can provide the standard car insurance offerings you would expect with any auto insurance policy, including:

Liability coverage: If you’re legally liable for another person’s injuries or property damage from an accident you caused, liability car insurance pays for others’ expenses resulting from the incident, such as medical bills and car repairs. Liability insurance also pays your legal costs if you’re sued.

Personal injury protection (PIP): If you or your passengers are injured in a crash, PIP insurance can pay for your injuries regardless of who was at fault. It’s required in some states.

Collision coverage: If you crash into an object, such as another car or a pole or fence, collision coverage pays to repair or replace your car if damaged or destroyed, regardless of fault. If your car is totaled, the maximum payout is the value of the vehicle right before the accident, minus your deductible.

Comprehensive coverage: If your car is damaged by something other than an accident, comprehensive coverage can pay for repairs or the actual cash value of a totaled or stolen car. For example, problems covered include car damage resulting from an animal collision, fire, hail, vandalism or flooding.

Collison and comprehensive coverage are typically required if you have a car loan.

Underinsured and uninsured motorist: Suppose your vehicle was struck by a driver who wasn’t carrying any insurance (or had too little). In this case, uninsured motorist coverage will pay for you and your passengers’ medical bills if you are injured.

Uninsured motorist property damage coverage helps pay for damage to your vehicle but is not available in all states.