My family had NJM for more than 10 years. Never a...

My family had NJM for more than 10 years. Never a problem.

One day an uninsured driver t-boned them (ran a red light) and hit our car.

We were offered less than a thousand for a car that had a market value of about 7-10k at the time.

My Dad had to fight over the phone, back and forth to get more for our car. We ended up with 1800 I believe. In order for us to buy the same car used, we had to pay a few thousand Extra out of pocket to replace our car.

Watch out if you get hit. They'll barely cover a vehicle replacement.