Value for Your Insurance Dollar

NJM, the largest auto insurer in New Jersey, operates exclusively for policyholders. The Company recently concluded its 15th consecutive year of mailing Special Dividend checks to personal auto policyholders. Subsequently, the Company received mail of its own: "thank-you's" from policyholders.

The $61 million personal auto Special Dividend and the increase in NJM's workers' compensation Regular Dividend demonstrate that, despite the nation's current economic turmoil, NJM remains stable for policyholders. As a further testament, in mid-December A.M. Best Company reaffirmed its highest possible rating, A++ (Superior), for NJM's financial strength. Less than 10% of the Company's investment portfolio is in stocks, and the rest is in high-quality bonds, of which 98% are rated "A" or better.