You can choose among two options: reimbursement up to $75 for each emergency or one that reimburses up to $125 per emergency. It also provides jump-start, lockout, flat tire change and gas delivery services. Roadside assistance: This benefit provides 24/7 help if you break down and need work done on your disabled car or need a tow to a repair shop due to an emergency covered by your policy. Rental reimbursement coverage: If you need transportation because your vehicle is damaged in an accident or by a problem covered under your policy, rental reimbursement coverage will help pay for a car rental, Uber or other transportation costs. Gap insurance: Gap insurance will help you pay off your car loan or lease if your vehicle is totaled or stolen and you owe more than the vehicle was worth. NJM also offers a variety of coverage features that you can add to your policy to expand coverage: Uninsured motorist property damage coverage helps pay for damage to your vehicle but is not available in all states. In this case, uninsured motorist coverage will pay for you and your passengers’ medical bills if you are injured. Underinsured and uninsured motorist: Suppose your vehicle was struck by a driver who wasn’t carrying any insurance (or had too little). For example, problems covered include car damage resulting from an animal collision, fire, hail, vandalism or flooding.Ĭollison and comprehensive coverage are typically required if you have a car loan. If your car is totaled, the maximum payout is the value of the vehicle right before the accident, minus your deductible.Ĭomprehensive 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. It’s required in some states.Ĭollision 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. 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. Liability insurance also pays your legal costs if you’re sued. 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. NJM can provide the standard car insurance offerings you would expect with any auto insurance policy, including:
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