New Jersey Manufacturers Insurance

Review: These people are rude and poorly trained from the help desk to the Sr VP if that's who she really is. I called to understand how my statement for two vehicles went from a quoted $120 to $187 in just two weeks. I never made any changes....first I'm told if I applied online then my application did not verify completely and they pretty much charged me a premature price. It's funny you would say that [redacted] when it took almost a week to even finalize things you would think you cross referenced things ten times over before charging people. Surely the issues don't stop there I called two days prior to receiving my final statement which I figured is the end all be all until next year I'm told my rate is $120 going forward for two vehicles I'm mailed this same communication I'm told verbally by two reps this same figure so why in the would I now receive a revised statement for $187 a month?????? Immediately I ask to speak with a supv [redacted] comes on the line and she doesn't know her head from her tail so like any customer with consumer rights I ask for the director to my surprise a senior vp comes on the line with the most aggressive tone I would never take with a customer and she immediately says we will not be adjusting anything just because you were misinformed ...I never asked for an adjustment just a lucid explanation as to why people in your company is so inept to have made a mistake surely this is not a start up company, fall on your sword and apologize. Well now it's to late because you took an gr8 of my time and pressure pills to have to write all of this on now 5 review sites smh buyers be aware ???Desired Settlement: Correct your error..

Business

Response:

Thank you for forwarding this correspondence to our office, and we welcome the opportunity to address any questions. Due to policyholder privacy concerns, we are not able to provide specific details to be posted for public view. Accordingly, we will respond directly to the person from whom the Revdex.com received this correspondence within 10 business days.

Consumer

Response:

Review: [redacted]I am rejecting this response because:No one has contacted me.Regards,[redacted]

Review: There was a water leak in a wall at our residence. The washing machine waste water pipe had broken away from the machine within the wall thus unloading 35 gallons of gray water into the home each time laundry was done. The laundry area is located in the bathroom that backs up to my master bedroom wall. On October 3, 2013 it was noted that the flooring in the bedroom was bubbling up. Thinking it was a problem with the floor itself, the original installer (who installed new 6 yrs. ago) was immediately called. His determination was that the flooring was not defective but that it was water leaking underneath the laminate floor and possibly damaging the sub-floor and/or going into the crawl space. I was advised to call a plumber immediately to see where the leak was coming from along with my insurance company. That's exactly what was done. We could not get a plumber to come out immediately therefore it took 3 more days. During that time, insurance was notified immediately. On October 6th, 2013, plumber came; we made him inspect the entire home for leakage -- but it was determined that it was definitely a leak coming from the pipe within the wall. Plumber broke through wall and made the repair. At that time, he also found black mold on the walls as well as on the insulation. I was advised to call a restoration co. immediately which was done. Restoration co. took up the flooring in the bedroom; down the length of the hall and about 2' into the two other bedrooms. They also took down the one bedroom wall as well as walls going down the hallway (partial wall take down). All the floor moldings were lost to obvious mold as well as some door frames. NJ Manufacturers is trying to pay absolutely nothing for this yet it is covered under my homeowner's policy. They are accusing us of trying to commit insurance fraud and thus not pay out the entire claim. All because [redacted] DID say to their appraiser: OH NO!! Now I have to have the whole house replaced!Desired Settlement: NJ Manufacturers pays out a VALID claim that exceeds well over $10K. Why would I want to redo my entire house when we only moved into the home 6 years ago and EVERYTHING inside and outside the home was completely regutted and finished satisfactorily and up to insurance standards. In 2007 we were told by NJ Mfg. that they would not keep insuring us unless we finished the driveway (which was dirt and gravel still). This was done immediately not only with a beautiful double driveway but is now curved to the house with beautiful Belgian block leading the way! And we're trying to get our house redone! Now it is going on 4 months and the insurance co. is not complying or responding. If they do it is with nothing but arrogance. We are asking that our claim be paid immediately. Do we expect ins to pay for the flooring on the parts of the house that were undamaged by the water? Absolutely not. But for some reason, they can't get it out of their heads that this is not the case.

Business

Response:

Please accept this memorandum as a response to the Revdex.com (“Revdex.com”) complaint that was filed by [redacted] against New Jersey Manufacturers Insurance Company (“NJM”). For the reasons set forth below, NJM has properly handled [redacted] claim.

[redacted] insure their property with NJM. On October 3, 2013, [redacted] noticed a bubble in their floor. They reported a claim to NJM on October 7, 2013, and the matter was assigned to NJM Homeowner Representative [redacted] for handling.

[redacted] Homeowners Policy ([redacted]) provides coverage for direct physical loss to their dwelling subject to various conditions, limitations and exclusions. Specifically, the policy states:

SECTION I – PERILS INSURED AGAINST…

1. We insure against risk of direct physical loss to property …

2. We do not insure, however, for loss:

a. Excluded under SECTION I – EXCLUSIONS; ….

c. Caused by: …

(6) Any of the following:

(a) Wear and tear, marring, deterioration;

(b) Mechanical breakdown, latent defect, inherent vice, or any quality in property that causes it to damage or destroy itself;…

Exception To “c.(6)”

Unless the loss is otherwise excluded, we cover loss to prop­erty covered under Coverage A or B resulting from an acci­dental discharge or overflow of water or steam from within a:

(i) Storm drain, or water, steam or sewer pipe, off the resi­dence premises; or

(ii) Plumbing, heating, air conditioning or automatic fire pro­tective sprinkler system or household appliance on the residence premises. This includes the cost to tear out and replace any part of a building, or other structure, on the residence premises, but only when necessary to repair the system or appliance. However, such tear out and replacement coverage only applies to other struc­tures if the water or steam causes actual damage to a building on the residence premises.

We do not cover loss to the system or appliance from which this water or steam escaped….

SECTION I – EXCLUSIONS…

B. We do not insure for loss to property … caused by any of the following. However, any ensuing loss to prop­erty … not precluded by any other provision in this policy is covered. …

3. Faulty, inadequate or defective:

a. Planning, zoning, development, surveying, siting;

b. Design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction;

c. Materials used in repair, construction, renovation or remodel­ing; or

d. Maintenance;

of part or all of any property whether on or off the residence premises.

[redacted], on October 7, 2013. During the initial call, [redacted] advised her (consistent with the policy language) that if the damage was caused by defective plumbing, then her policy would not provide coverage for a plumber’s bill to repair the defect. However, coverage would be provided for ensuing damages that were caused by water that was discharged from a defective plumbing system.

[redacted] contacted a plumber to investigate the cause of loss. In addition, NJM contacted E[redacted] to investigate the damages. Eventually, it was determined that a water leak emanated from a drain line for the washer.

[redacted] representative [redacted] inspected the damage on October 8 and 24, 2013. He found damage in the master bedroom and laundry room. He was able to locate comparable replacement flooring through [redacted]. He prepared an estimate, in the amount of $7,229.90, for repair of the damages in these two rooms.

In the meantime, on October 12, 2013, NJM insureds, Mr. and Mrs. O’Gibney retained [redacted] to handle their claim. [redacted] contacted [redacted] to perform remediation services. [redacted] submitted a repair estimate to NJM in the amount of $29,389.31 for repairs, and [redacted] bill in the amount of $9,077.28 for water mitigation services.

The scope of [redacted] estimate and [redacted] remediation work went beyond the areas that were identified by [redacted]. Thus, the matter was referred for further investigation by NJM’s Special Investigation Unit.

During the investigation, NJM asked [redacted] to inspect the property. [redacted] representative [redacted]. inspected the property on November 19, 2014. His inspection report confirmed the scope of damage that was found by [redacted]. Also, NJM asked Water Event Manager (“WEM”) to prepare an evaluation of the cost for remediation of the damaged areas. The estimated cost for water mitigation/remediation was $3,091.92.

After NJM’s Special Investigation Unit completed its investigation, NJM agreed to pay the insureds’ claim for the amounts that were set forth in [redacted] and WEM’s reports. [redacted] called the insureds on January 30, 2014 and left a message with the offer. Thereafter, Proof of Loss documentation was sent to the insureds.

On February 7, 2014, [redacted] executed Proof of Loss forms for damages in the amount of $7,229.90 for repairs and $3,091.92 for remediation. On February 12, 2014, NJM issued a claim payment in the amount of $7,229.90 (for the cost of repair minus the insureds’ $1,500 deductible). On February 17, 2014, NJM issued a claim payment in the amount of $3,091.92 (for the cost of remediation).

[redacted] complaint was filed with the Revdex.com on January 27, 2014. As set forth above, NJM properly handled its insureds’ claim. Based upon the differences in the estimates that were provided at NJM’s request and estimates that were provided on behalf of the insureds, additional investigation was warranted. After completing its investigation, and prior to receiving notification of the Revdex.com complaint, NJM conveyed an offer to the insureds. Documentation has been completed by the insureds and claim payments have now been made by NJM.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Brian & Marie O' O'gibney

Review: [redacted]The Office of the Insurance OmbudsmanNJ Department of Banking and Insurance20 West State StreetPO Box [redacted]Tel: [redacted]Re: Complaint NJM Insurance GroupInsured: [redacted]sClaim # : [redacted]Date of Loss: 7/17/2014Location of Loss: [redacted]To whom it may concern,This letter is written to request your assistance with getting fair treatment of my property and contents damage claim that occurred on 7/17/14 and now almost 2 and a half months later still not settled, and to make a formal complaint against NJM Insurance Group and their representatives over the unfair and lax handling of my claim. The following is a summary of what has occurred to date.On 7/17/2014 I had sewage back up that did extensive damage to my property. I contacted my insurance company to report the claim and they recommended [redacted] to clean and remove damaged interior finishes of my home, damaged furniture, clothing and other contents. [redacted] started clean up 7/18/14 and 7/19/14, and left clean up unfinished and sickeningly unsanitary. They ripped up carpets, flooring, bottom of walls trim and sheetrock, ceilings, etc and disposed of furniture, furnishings and household goods filling a large dumpster. After 2-3 weeks of empty promises by [redacted] to finish repairs in my home and lack of action from NJM, on 8/8/14 I hired a [redacted] Construction company that was highly recommended as specializing in insurance repairs. ** contacted my NJM insurance claim representative, [redacted] to introduce himself and apprise him that I hired their services to make repairs and help with settling my claim and confirm coverage. This contact went ignored.On 8/17/14, my contractor ** sent [redacted] of NJM an detailed itemized estimate in the amount of $78,968.20, Then after a number of ignored contacts on 8/27/14 [redacted] sent me an estimate from [redacted] to repair damages in the amount of $25,604 and stated [redacted] reviewed my contractors estimate and wouldnt adjust their estimate. I reviewed the [redacted] estimate with my contractor and found it was very low. On 9/3/14, my contractor responded to [redacted] that [redacted]s estimate missed and under priced items and suggested [redacted] and [redacted] meet with him at my home to review damages. Further that NJM should pay me the amount they are not disputing.On 9/10/14 my contractor met with NJMs [redacted] and [redacted]s representatives to reach an agreement on damages. They walked through the damages and agreed some items were under priced and missed by [redacted]. They agreed [redacted] would adjust their estimate in the next few days and give it to my contractor to review and hopefully agree upon. After some days passed, my contractor requested the revised estimate and was advised by [redacted] that he could not release the revised estimate or settle the building portion of the claim until contents portion was settled. In the mean time the representative from NJM that is handling the contents portion of my claim came to my house looked at the bags that [redacted] put some of my feces soiled contents, he never looked in the bags and he has been unresponsive since. [redacted] discarded furniture and contents in a dumpster. They did not provide me with an inventory of what they discarded and placed no values to my contents. Now since the time of this back up I have been living in my damaged, skeeve home without furniture and furnishings that I lost. I have been forced to buy new things, clothes, do my laundry out and lost the use of things like my computer. I lost the enjoyment of my living and entertaining in my home and pool for the entire summer. My contractor is working under an assignment of claim agreement with me and has helped to make things better by advocating for me, doing some cleaning and commencing some repairs but is limited in his ability to proceed without NJMs cooperation and reasonable expectation of a timely insurance settlement for repairs. So again my house will be in disrepair until this is resolved and I hope it doesnt ruin the rapidly approaching holidays for my family.Please investigate this matter. I appreciate any assistance you can lend to this matter. Sincerely,___________________[redacted], AIC Senior Homeowner Representative NJM Insurance Group [redacted]Desired Settlement: I WOULD LIKE NJM TO COMMUNICATE TO ME THE UNDISPUTED AMOUNT ON THE DAMAGE THAT HAS OCCURED. I WOULD LIKE MY HOME RESTORED BEFORE THE RAPIDLY APPROACHING HOLIDAYS.[redacted]

Business

Response:

Thank you for forwarding this correspondence to our office, and we welcome the opportunity to address any questions. Due to policyholder privacy concerns, we are not able to provide specific details to be posted for public view. Accordingly, we will respond directly to the person from whom the Revdex.com received this correspondence within 10 business days.

Consumer

Response:

I am at my wits end. I have been cooperative, and have submitted all documentation that was asked of me. I need to get my house restored, as the cold weather approaches there is holes in wall leading to my unheated garage, my gas and electric bill was over 2000.00 and this is not even winter yet, I have an 85 year old aunt who is in failing health, her husband, my uncle has passed and she has been living in Florida for the past 20 something years. As she ages and requires assistance with her activities of daily living, she has asked if she can come stay with me. I am a RN, and have taken care of all of my elderly aunts and uncles. I am extremely close to my family, and although this is not the problem of njm insurance I am very concerned for her staying in my home in the condition it is in. I feel like I am being bullied by this company and forced to wait patiently as I jump through hoops to do as they request, and then wait again. This is completely unfair.

Review: I have been a customer of NJM for 15 years plus. In August of 2015 prior to renewing my insurance policy with NJM I inquired about adding my daughter, so that she would have access to one of my vehicles. My policy was renewed in September as always w/out additions per my inquiry. In October NJM responded be letter advising me that if I added my daughter they would charge me back to the date she received her license. I refused, and advised NJM in writing and by phone that I do not accept and cancelled the policy. I called [redacted] and continued my coverage with them. NJM did not cancel the policy but instead continued to carry the policy siting, that they needed a copy of my new policy from [redacted] I provided one; then yesterday 12/2/2015 I received another bill from NJM for about $3500.00 attempting to back charge me to the date my daughter received her license. I explain 1. NJM was not contracted to cover her ever. 2. For those years my policy was paid up to date. 3. 1 month after my daughter received the license I was out of the country from almost 2 year leaving her in the custody of my ex-wife. 4 once I returned my daughter lived at school for 10 months out of the year. NJM is still persistent that although not contracted to insure my daughter and cannot prove she would have had access to my vehicle (especially since they were stored during my deployment) and now that she clearly lives away from my home; are harassing me for money I do not owe them. NJM also refuses to pay back my over payment when the policy was canceled. Again, I was under no contract with NJM nor held any expectation that NJM would cover my daughter for Insurance purposes. Also NJM never communicated that they were will to cover my daughter should she be involved in a mishap with one of my vehicles.Desired Settlement: Resolution would be for NJM to close this policy. Rescind this bill and return my over payment.

Business

Response:

Thank you for forwarding this

correspondence to our office. We welcome the opportunity to address any

questions. Due to policyholder privacy concerns, we are not able to provide

specific details to be posted for public view. Accordingly, we will respond

directly to the person from whom the Revdex.com received this correspondence within ten (10)

business days.

Consumer

Response:

Review: [redacted]

I am rejecting this response because:My Name is [redacted], my case number is in the subject line. I was just made aware that I prematurely closed my case against New Jersey Manufacturers Insurance company by responding to the first email I received from your office. I believed that by selecting accept, I was accepting the waiting period of 10 days for NJM to review my complaint and come back with a solution. The case is not resolved and I have not received satisfaction or remediation from NJM. Again this case is based on the fact that NJM has charged me for services not rendered after I closed my account with their company. This case is not closed and I am willing to do what I must to make that fact known and have it resolved.

Regards,

Business

Response:

A written response to [redacted] 12-4-15 correspondence was mailed to him on 12-18-15.

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

I have not received any response.

Regards,

Review: In March of 2014 I experienced a flood in my kitchen, under the sink due to a weld that broke allowing the drainage from my dishwasher to empty into the cabinets rather then threw the drain. I contacted NJM Insurance in April about this mishap and have done everything that my claims examiner [redacted] has requested. When it originally happened NJM sent a restoration co([redacted]) to my home. They came set up a Hepa filter and dehumidifier for 3 days. [redacted] retrieved their items,left the cabinet doors off,allowing my 2yr old son to climb under cabinets where there was mold and dampness I had to put them back on .After a week of no contact with NJM or [redacted] I had to call them to see what next step was. [redacted] from [redacted] was preparing a estimate for replacement of what he felt was affected. Originally the estimate came back at about $8000 minus my $2500 deductible leaving me with $6500 to replace everything that was destroyed. Feeling that I was low balled by [redacted] because he wasn't doing work I hired a public adjuster.[redacted] review estimate and realized [redacted] didn't include a lot of items that needed to be replaced. I had 2 contractors review damage and both came back with a replacement cost of over $18,000. When I called NJM originally I asked [redacted] also if a roof that I was going to have replaced because of Black mold was covered under my policy he told me no. Come to find out it would have been if I had taken pictures but entrusting [redacted] was telling me the truth, I went and had it replaced at my cost 0f $8900. I am now on my 7 month with NJM and it is costing me a percentage of what NJM is offering because they wanted me to entrust in a co([redacted]) who had to revise their proposal because they realized they may have to do the job and can not do it for what they originally quoted. I have been mislead and disheartened from the beginning. I have been a NJM customer for a long time with minimal claims and do not understand why they are trying to take advantage ofDesired Settlement: I want what [redacted] from [redacted] had proposed. $18,600. NJM has had 2 different adjusters who came in and did under handed deals to benefit them not the homeowner. I do not even know if there is more mold growing still affecting my 2 children with asthma. That is one reason I could not fight over roof plywood needed to be replaced. My familys health is extremely important to me not NJM.

Business

Response:

Thank you for forwarding this correspondence to our office, and we welcome the opportunity to address any questions. Due to policyholder privacy concerns, we are not able to provide specific details to be posted for public view. Accordingly, we will respond directly to the person from whom the Revdex.com received this correspondence within 10 business days.

Consumer

Response:

Review: [redacted]

I am rejecting this response because: NJM has been dragging there feet for the last 7 months with this claim. The public needs to be aware of what NJM puts the consumer thru. They send people to my home who low ball the work that needs to be done or want to put bandaids on things just to close this claim. I was even told if the cabinets do not exactly fit properly against my existing backsplash that the contractor ([redacted] would use more grout to meet countertop. This to me is shorty work. At one point they had a gentleman come to my home give a estimate and then he sent me letter saying my adjuster agreed at quote that I was to sign "proof of loss". When contacting my adjuster he received no estimate and did not agree to anything NJM adjuster had stated. This to me is underhanded. I am very upset by this whole situation and by the way it has been handled. Such as the incident with my mold issue in my attic, I will not be taken advantage of again. It has taken 7 months and a monepercentage of what I am suppose to receive from NJM, because I had to hire a adjuster to make sure I do not get played the fool again.

Regards,

Review: NJM insurance sent a renewal policy which I did not respond to, as I had no intention on renewing the policy which expired 2/15/15. I sought insurance in another state that I eventually relocated to. Subsequent to this change, I continued to receive billing invoices for continued insurance with NJM. Upon contacting them several months later, I was informed that I would need to pay for the continued policy payments, as I had failed to notify them of my decision to cancel. Since I did not renew the policy, I felt that I was not obligated to provide any further action to this company. I did , in the interim acquire insurance through another company in the state that I now have relocated. The new insurance policy with another company corresponds with the end date of the NJM policy that I did not renew.

I am being threatened by mail and phone by NJM with legal action for the failure to make payments toward the former NJM policy. NJM states that my failure to cancel the policy through their system has made me liable for delinquent payments for the policy post 2/15/15 and my failure to pay will incur legal action. Apparently, not sending in the renewal paperwork which requires my confirmation of itemized insured features and my signature was not enough to ensure that the policy would not be continued past the expiration date of 2/15/15.

It should be noted that at no time during my > 10 years of continued NJM insurance, I have not had any claims for insurance, and continue with this record with the new insurance company. Although I am receiving continued mailings for back payments from NJM, and now phone calls, since I reached out to them to try and resolve the matter unsuccessfully, I feel it to be a matter that warrants further scrutiny as an unfair business practice.Desired Settlement: I would request that NJM stop attempting to charge me for insurance payments beyond the 2/15/15 policy expiration date for my former policy and they stop harassing me with this matter. I would also request that NJM reassess their practices regarding the rational for sending out renewal policy forms and requesting responses from their customers, if these renewal forms have no bearing on the renewal or cancellation process.

Business

Response:

Thank you for forwarding this correspondence to our office, and we welcome the opportunity to address any questions. Due to policyholder privacy concerns, we are not able to provide specific details to be posted for public view. Accordingly, we will respond directly to the person from whom the Revdex.com received this correspondence within ten (10)business days.

Review: This dispute letter is in regards to policy #[redacted] claim [redacted] against NJ Manufacturers insurance company and [redacted] . On December 11, 2006, my daughter was on her way home from taking her belongings to [redacted]. On the way back home, she had car problems on Hwy 40 in North Carolina. We called a towing company out of the telephone directory. The shop that towed us said that they could fix the transmission. We sent the deposit of $2200 but every time we called about the vehicle, they kept informing us that they were waiting on parts.

After several attempts to get the vehicle, we had to get the Durham, NC police department involved and they took us to the shop. They informed us that they had the parts and would repair the truck. Again, an extended period of time went by. We went back to Durham police dept and when they took us to the place, it was closed and the vehicle was gone. At that time we reported the vehicle stolen, on December 5, 2007.

We then got the NC DOT involved and worked with several inspectors to recover the vehicle. The vehicle was located a couple of different times and we were informed to pick it up but by the time we came from NJ the vehicle was moved again. The last inspector informed us that the vehicle was located at [redacted] shop in Durham, NC and for us to pick it up. Our concern was after such a long period of time what kind of shape was the vehicle in and if it had been used all this time. But again when we went to pick it up, the vehicle was gone. The inspector informed us that he was closing the case and gave us his phone number for the insurance company to call him so he could explain the matter since the case was so complicated. We haved worked with Inspector [redacted] email: [redacted] and Inspector [redacted].

We want to reiterate that we have never had the truck in our possession since the original filing.Desired Settlement: Pay claim for value of vehicle at time of theft

Business

Response:

Thank you for forwarding this correspondence to our office, and we welcome the opportunity to address any questions. Due to policyholder privacy concerns, we are not able to provide specific details to be posted for public view. Accordingly, we will respond directly to the person from whom the Revdex.com received this correspondence within ten (10) business days.

Review: Claim # [redacted] NJM Insurance Claim. Their client illegally drove across the yellow painted lines to make the left turn green arrow, while I was stopped at the red light but neede to go up about 20 feet to LEGALLY move into the left turning lane when I was blind sided by a Jeep driving up the side of my car and bouncing down, and then denied doing the damage to my car when I pointed up to the cameras as proof and dialed 911.

NJM offered an insulting 50 percent to fix my car, stating it was my word against hers. The police report clearly states she was in the wrong, and I also filled in NJM claimant's report ASAP clearly stating in the witness section "CAMERAS ON LIGHT"Desired Settlement: PLEASE FIX MY CAR YOUR CLIENT HIT. She stated she had no damage to her car. Why do I have to pay almost $1000.00 dollars to have my car fixed, when she was clearly illegally driving across the yellow painted lines rushing to make the left turn.

Business

Response:

Thank you for forwarding this correspondence to our office. We welcome the opportunity to address any questions. Due to policyholder privacy concerns, we are not able to provide specific details to be posted for public view. Accordingly we will respond directly to the person from whom the Revdex.com received this correspondence within 10 business days.

Review: My name is [redacted] I had been with NJM insurance for more than 15 years. My policy number was [redacted] I paid all the bills without any delay.

My son, [redacted], is a student at [redacted] He got his driver’s license about two years ago while he was living at the campus. Since he lived in the campus and did not drive at all, he did not buy insurance for himself. This summer, he got an internship and he had to drive. He asked me if he could borrow my car for three months. I told him “you have to buy insurance before you use my car”. He preferred to buy insurance under my name. I called NJM to add [redacted] to my account. A person from NJM told me that I had to pay [redacted] for the insurance in the previous years, starting from the date when he got the license, even if he did not drive. The total charge to me was $1524.78. I was very surprised. I carefully looked at the NJM renewal questionnaires. I found that none of them could apply to me. Here is the sentence from the renewal document:

“Does any other resident hold a driver’s license or permit? ____ if yes, provide name, birth date, VEHICLE be operated …..”

First, I did not know what time [redacted] got the license when I was renewing the policy. Second, even if I knew, I might still not add his name, since [redacted] did not drive at all (living at campus). He did not have a VEHICLE. I really don’t understand why a person has to be forced to buy auto insurance without accessing a car.

Being sad because of this, I cancelled my policy from NJM. I was supposed to get the credit (the balance) $1156.95 back. NJM did not send me the credit. Instead, NJM ask me to pay ($1524.78 - $1156.95 ) $387.83 with additional interest of $36.61. Therefore, I want to file a complain to get back my $1156.95.

Thank you for help!Desired Settlement: Ask back the $1156.95 or as a compromise, forget the credit and pay nothing more than $1156.95

Business

Response:

Thank you for forwarding this correspondence to our office. We welcome the opportunity to address any questions.Due to policyholder privacy concerns, we are not able to provide specific details to be posted for public view. Accordingly, we will respond directly to the person from whom the Revdex.com received this correspondence within ten (10) business days.

Consumer

Response:

Review: [redacted]

I am rejecting this response because:My complaint number is #[redacted]. I did notice that it was automatically closed without any agreement. I would like to re-open the case. Thank you so much.

Regards,

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

I never have got response from the NJM, the company that I am complaining.

Regards,

Business

Response:

This complaint was assigned for response the date it was received with a due date of 10/30/15. Please be advised the response was mailed to [redacted] on 10/29/15 and we will send out a duplicate response in today's mail (11/5/15).Thank you.