Questions & answers · Car insurance
In New Jersey, I cannot agree with the other driver's insurer on my car damage. Where can I take my complaint?
Car insuranceComplaint / outside reviewNew JerseyChecked Nov 6, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: New Jersey Department of Banking and Insurance (NJDOBI) View original ↗
In short
- New Jersey's insurance department lists several things you can do if you cannot settle.
- You can claim under your own policy, appeal to the insurer's internal panel, or file a written complaint with NJDOBI.
- The page names the Insurance Claims Ombudsman for a review after the internal appeal.
What this means
This answer uses one New Jersey Department of Banking and Insurance page. If you and the other driver's insurer cannot agree on your property damage loss, the page says you can make a claim under your own policy if you have the right coverage. You can file an appeal with the insurer's internal appeals panel. If you are still unsatisfied after that decision, you can ask the Insurance Claims Ombudsman to review it. You can also file a written complaint with NJDOBI.
The sources here do not give a deadline for these steps.
Your next step
Put your disagreement in writing to the other insurer and keep a copy. Then use the options above. The page gives the Ombudsman's number in the quoted text and no deadline.
Check it yourself
Open the NJDOBI page and read question 23.
Where this comes from (1)
[1] New Jersey Department of Banking and Insurance (NJDOBI) · checked 2026-11-06
If the other driver’s insurer and you can't reach an agreement to settle your property damage loss, you can: Make a claim under your own policy if you have the appropriate coverage. … File an appeal with the insurance company's internal appeals panel. (If you are still unsatisfied after the company's internal appeals panel renders its decision, you can request a review of that decision by the Insurance Claims Ombudsm…
How we found this
We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.
What we don’t know yet
Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.
Every answer is checked against the official rule it quotes.
Information only — not legal advice. Your plan, insurer or agency decides.
This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
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