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Please read these Terms of Use carefully as they represent an Agreement between the visitors to this Web site and New Jersey Manufacturers Insurance Company ("NJM"). By accessing this Web site, you agree to be bound by the Terms of Use. NJM reserves the right to modify the Terms of Use at any time without notice, but the most current version of the Terms of Use will be available through its link on the Web site. By continuing to access the Web Site after the date of any modification to the Terms of Use, you agree to be bound by the rules contained in the most recent version.

Consent to Receipt of Electronic Records

By utilizing this Web site to effect changes to your policy, you consent to modification of your policy by means of an electronic transaction to the extent of such changes. In addition, you consent to the electronic receipt of the following documents: Standard Policy Coverage Selection Form; The New Jersey Auto Insurance Buyer's Guide; and the Automobile Insurance Consumer's Bill of Rights, all of which are provided on this Web site in electronic form, and may be saved and/or printed by you for your records. In the alternative, if you would prefer to speak with a Customer Service Representative to effect policy changes, and/or to obtain a hard copy of any of the referenced documents, you may contact NJM at 1-800-232-6600.

Products and Services

The information, materials, products and services on this Web site are subject to change. Products and services may be available only in certain geographic areas (i.e. State of New Jersey) or lines of Insurance. Your eligibility for particular products or services is subject to determination by and the approval of NJM. No solicitation is made by NJM to any person to use any information, materials, products or services in any jurisdiction where the provision of such information, materials, products and services is prohibited by law.

No Warranty

Neither NJM, nor its third party content providers, warrants the accuracy, adequacy, completeness or timeliness of the information, materials, products and services on this Web site or the error-free use of this Web site. All information, materials, products and services are "as is" and "as available" with no warranty of any kind, express or implied, including but not limited to the warranties of title, merchantability, fitness for a particular purpose and freedom from computer virus is given in conjunction with the information, materials, products and services.

Limitation of Liability

In no event shall NJM or its third party providers be liable for any damages, losses or liabilities, including without limitation, direct or indirect, special, incidental, or consequential damages, losses or liabilities, in connection with your use of this Web site or your reliance on or use of or inability to use the information, materials, products and services on this site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if NJM or its third party providers are advised of the possibility of such damages, losses or expenses.

User Responsibilities

Access to this Web site is intended for the Named Insured and/or the resident spouse of the Named Insured on the referenced policy. As the Named Insured or resident spouse of the Named Insured you agree that no others will be granted access to this Web site and that you will guard the confidentiality of your User ID and Password at all times. Any unauthorized attempts to access your account must be reported immediately to NJM. You also agree that you are fully responsible for all activities that occur while accessing your account and that all information provided will be complete, true and accurate to the best of your knowledge.

Unauthorized Access

NJM has taken all reasonable steps to protect the privacy of our customers as outlined in Your Privacy Rights. NJM is not liable for any loss incurred as a result of an unauthorized user gaining access to your account using your User ID and Password.

Restricted Use

Authorized users may print a copy of the information provided on this site for their personal use. However, any use of a non-personal nature, unauthorized reproduction or distribution of text or graphics, downloads or links to this website are strictly prohibited without the prior express written permission of NJM.