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Terms and Conditions

NJM Electronic Disclosure and Consent

NJM is permitting you to pay your insurance premium(s) over the Internet from a checking or savings account or with a credit or debit card. This online bill pay service is provided free of charge through ACI Payments Inc., a company that supplies financial reporting capabilities to institutions such as banks, Internet banks, and finance companies. You hereby agree that electronic communications we send you (which may include, but are not limited to, emails and text messages) will satisfy the requirement of "writing" for record-keeping purposes. You have the right to withdraw consent and instead receive communication in a non-electronic format; however, this may result in electronic bill paying becoming unavailable to you. You can withdraw this consent, update your contact information, or request a paper copy of a transaction by calling us at 1-800-232-6600, Monday through Friday, 8 a.m. to 5 p.m., by sending us an email here, or by writing to us at:

NJM Insurance Group
301 Sullivan Way
West Trenton, NJ 08628

Terms and Conditions

You agree to have sufficient funds in your payment account and to provide correct and valid information about yourself, including your policy number, email address, bank and bank account information.

If your financial institution does not send us payment as directed for any reason — including insufficient funds, incorrect account information, bank or payment account closure or suspension or similar circumstances — you agree to the following:

  • We may try to repeat the process of withdrawal until the bank provides payment for our transfer request, and we may charge you a fee if we take this action;
  • We can suspend your ability to pay online; and/or
  • We may use all legal remedies available to collect the payment.

Additionally, if payment is not made, we may cancel your policy.

You must notify us immediately if an unauthorized transaction or unauthorized use of your password occurs with regard to your account. Call us at 1-800-232-6600, Monday through Friday, 8 a.m. to 5 p.m., send us an email here, or write to us at:

NJM Insurance Group
301 Sullivan Way
West Trenton, NJ 08628

You may be responsible for unauthorized use of your account if you fail to notify us. If you notify us of an unauthorized transaction within 2 business days, your loss cannot exceed $50. Business days are Monday through Friday, 8 a.m. to 5 p.m., exclusive of holidays. If you do not notify us within 2 business days, you could be held responsible for up to $500 of the unauthorized transaction.

If an unauthorized transaction appears on your periodic bank or credit card statement, you must notify us within 60 days of transmittal of the statement, or you may become responsible for the full amount of the unauthorized transaction. However, if your delay in notifying us was due to extenuating circumstances, we may extend these time frames, within our sole discretion.

You are responsible for installing, maintaining, and operating your hardware and/or software when using this bill payment service. We are not responsible for errors, failures or malfunctions of your device or software. However we will promptly notify you of any material changes to the hardware and/or software requirements for the program.

If we do not complete a payment on time or in the correct amount according to this agreement and your policy is cancelled, we agree to reinstate your policy without a lapse in coverage.

Some exceptions to this provision include:

  • If you have insufficient funds or your bank fails to honor payment;
  • If the bill payment service was not operating properly and you were made aware of the condition;
  • If circumstances beyond our control (such as terrorism, an act of nature, etc.) make completion of the transaction impossible; and/or
  • If you fail to provide accurate and updated information.

Error Resolution

In case of errors or questions, please call us at 1-800-232-6600, Monday through Friday, 8 a.m. to 5 p.m., send us an email here, or write to us at:

NJM Insurance Group
301 Sullivan Way
West Trenton, NJ 08628

You must notify us within 60 days after your bank has informed you of a suspected payment error and provide your number, the description of the suspected error and the dollar amount of the suspected error. We may request that you inform us in writing.

We will investigate the suspected error and notify you of the results of our investigation within 10 business days. We will promptly correct any confirmed error. If we cannot resolve the discrepancy within 10 business days, we may extend this period up to a total of 45 calendar days in order to resolve the matter. During this period, your account will be credited the amount of the suspected error, pending the outcome of our investigation. We will provide you with a written explanation of our determination within 3 business days after the completion of our investigation. If we have credited your account, we have the right to reverse the credit accordingly.