Stay away from Njm insurance company. When you car is vandalized and you provide them with a police report, your written statement they send and investigator to your home to treaten you. The investigator will tell you if you don't provide a recorded statement your claim will not be process or paid. They make you feel like you vandalized your own vehicle. When you tell them you don't want to gave them a recorded statement they already have a written statement as well as a police report they don't care about that. Another thing if your car is not parked in front of your home that's another issue.long story short they waited almost a year to write me a letter stating that they are no longer going to provide with car insurance due to giving them false information. First of all if your investigator would have done his job correctly he would have found out the truth but when they send this people to your home they already have their minds made up. Your guilty even though you when your car was vandalize you was working. You pay all this money for car insurance and when something happens they don't want to pay. Stay away they may be cheap but at the end they blame you and don't pay.