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Forthright, a global provider of process design, automation, and management solutions, has been selected by the State of New Jersey to administer No-Fault Insurance Personal Injury Protection (PIP) arbitrations under the State’s Automobile Insurance Cost Reduction Act.
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Forthright is a SOC II Type II Compliant Organization
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Administrator of the New Jersey No-Fault PIP Arbitration Program
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Administrator of the New Jersey No-Fault PIP Arbitration Program
Rule 7 of the New Jersey No-Fault PIP Arbitration Rules requires that the claimant serve a copy of the Demand for Arbitration upon all named parties by electronic service as may be permitted by the party to be served, certified mail return receipt requested or by personal service.

Effective June 7, 2004, NJAC 11:3-5.6 (a) was amended to include the following: “Every insurer shall establish a single address where requests for dispute resolution shall be sent. Insurers shall notify the administrator of the address and any changes thereto. The administrator shall make the list of insurer addresses available to the user community on a web page and any other available means of communication”.

For purposes of serving Demands for Arbitration, the addresses below shall apply for each listed automobile insurance company.


21st Century
(Includes Colonial Penn Insurance Co., Applies to subsidiaries, affiliates, Formerly 21st Centrury/AIG Insurance)
National Document Center
P.O. Box 268995
Oklahoma City, OK 73126-8995
Preferred Service Method -
Email to:
usw.nj.pip.litigation@farmersinsurance.com

AAA Mid-Atlantic Insurance Group
(Includes Keystone Insurance and Western United Insurance Company)
P.O. Box 24523
Oakland, CA 94623-1523
Preferred Service Method -
Email to:
operationsadmininbox@csaa.com

ACE USA Claims
(Includes Insurance Company of North America (INA); Indemnity Insurance Company of North America; ACE American Insurance Company; Pacific Employers Insurance Company; Bankers Standard Insurance Company)
P.O. Box 4700
Chesapeake, VA 23327-4700

AIG Property Casualty Company
c/o AIG Claims, Inc. - Olathe Ops Center
P.O. Box 25588
Shawnee Mission, KS 66225

AIU Insurance Company
(See AIG Property Casualty Company)

Allstate New Jersey Insurance Company
Preferred Service Method -
email to: pipforthright@allstate.com
c/o Medlogix
300 American Metro Boulevard - Suite 220
Hamilton, NJ 08619

American Alternative Insurance Corporation
555 College Road East
Princeton, NJ 08543

American Bankers Insurance
11222 Quail Roost Drive
Miami, FL 33157

American Commerce Insurance Company

11 Gore Road
Webster, MA 01570

American Family Connect Property and Casualty Insurance Company
6000 American Parkway
Madison, WI 53783

American Home Assurance Company
(See AIG Property Casualty Company)

American Manufacturers Mutual Insurance Company
(See Kemper Auto and Home)

American Motorists Insurance Company
(See Kemper Auto and Home)

American Protection Insurance Company
(See Kemper Auto and Home)

Amica Insurance Company
PO Box 9690
Providence, RI 02940-9690

Arch Insurance Company
PO Box 542033
Omaha, NE 68154

ARI
P.O. Box 6935
Cleveland, OH 44101

Arrowpoint Capital Corp.
(formerly Royal & SunAlliance USA)
Attn: Julie Fortune
PO Box 1000
Charlotte, NC 28201

Atlanta Casualty Company

(See Infinity Insurance Co.)

Atlantic Employers Insurance Company
P.O. Box 4700
Chesapeake, VA 23327-4700

Atlantic Mutual Companies (NJ)
One Progress Point Parkway
O'Fallon, MO 63368
Attention: Chris Salamone

AutoOne Insurance
(See The Camden Fire Insurance Association)

Avis Budget Car Rental, LLC
Sedgwick Claims Management Services as TPA
P.O. Box 94696
Cleveland, Ohio 44101

Bristol West Insurance Company
P.O. Box 258807
Oklahoma City, OK 73125

California Casualty Management Company
Preferred Service Method -
Email to:
myclaim@calcas.com
P.O. Box 39700
Colorado Springs, CO 80949

Camden Fire Insurance Association
(formerly Auto One Insurance)
155 Mineola Blvd.
Mineola, NY 11501

Cendant Car Rental Group
300 Center Pointe Drive
Virginia Beach, VA 23462-4415

Central Mutual Insurance Company
Attn: Susan Sylvester, Reg. Claim Manager
404 Wyman Street, Suite 360
Waltham, MA 02454

Chartis
Chartis Global Legal Division
175 Water Street, 18th Floor
New York, NY 10038

Chesterfield Services
Attn: Carol Holishouser
PO Box 610
Green, Ohio 44232

Chubb Group of Insurance Companies
P.O. Box 4700
Chesapeake, VA 23327-4700

Church Mutual Insurance Company
3000 Schuster Lane
P.O. Box 342
Merrill, WI 54452

Clarendon National Insurance Company
PO Box 6580
Saddle Brook, NJ 07663

Coach USA
(Includes Coach USA, Inc., Hudson Transit, Rockland Coaches, Community ONE Bus, Olympia Trails, Suburban Trails, Suburban Transit)
The Corporation Trust Company
820 Bear Tavern Road
West Trenton, NJ 08628

Commerce & Industry Insurance Company
(See AIG Property Casualty Company)

Countryway Insurance Company
224 Harrison Street
Syracuse, NY 13202

Cumberland Insurance Group
633 Shiloh Pike
PO Box 556
Bridgeton, NJ 08302

CURE Auto Insurance
(Formerly New Jersey Citizens United Reciprocal Exchange--NJ CURE)
13 Roszel Road, Suite C207
Princeton, NJ 08540
Preferred Service Method -
Email to:
nofault@cure.com

Discover Property & Casualty Ins Co
c/o Travelers
1 Tower Square, 7MS
Hartford, CT 06183

Drive by Progressive

(See Progressive Insurance Company)

Electric Insurance Company
75 Sam Fonzo Drive
Beverly, MA 01915

Empire Fire and Marine Insurance
PO Box 4034
Schaumburg, IL 60168
(identified by 6 or 10-digit claim number)

Empire Indemnity Insurance Co.
PO Box 4034
Schaumburg, IL 60168
(identified by 6 or 10-digit claim number)

Employers Insurance Company of Wausau
Attn: Tony Davaro, Auto & Liability Claim Manager
251 Salina Meadows Parkway, Suite 260
North Syracuse, NY 13212

Encompass Insurance Company
c/o National General Insurance Company
P.O. Box 1623
Winston-Salem, NC 27102

Esurance Insurance Company
P.O. Box 1623
Winston-Salem, NC 27102
Preferred Service Method -
Email to:
PIPClericalTeamG@NGIC.com

Excelsior Insurance Company
PO Box 4858
East Syracuse, NY 13221

Farm Family Casualty Insurance Company
P.O. Box 22084
Albany, NY 12201-2084

Farmers Insurance (formerly MPC)
(includes MetLife, Farmers Group Property and Casualty Insurance Company, Farmers Direct Property and Casualty Insurance Company, Farmers Property and Casualty Insurance Company, Farmers Casualty Insurance Company and Economy Premier Assurance Company)
P.O. Box 268994
Oklahoma City, OK 73126-8994

Farmers Insurance Company
(includes Farmers New Century Insurance Company, Farmers Texas County Mutual Insurance Company)
National Document Center
P.O. Box 268995
Oklahoma City, OK 73126-8995
Preferred Service Method -
Email to:
usw.nj.pip.litigation@farmersinsurance.com

Farmers Mutual Fire Insurance of Salem County
c/o PMA Management Corp
330 Fellowship Road, Suite 200
P.O. Box 5007
Mount Laurel, NJ 08054

Fireman's Fund Insurance Co.
One Progress Point Parkway
O'Fallon, MO 63368
Attention: Chris Salamone

First Trenton Indemnity Company
Attn: Metro NY/NJ Claim Center
PO Box 430
Buffalo, NY 14240-0430

Firstline National Insurance Company
200 North Main Street
Bel Air, MD 21014
Attn: F.P. Kellner

Fitchburg Mutual Insurance Company
222 Ames Street
PO Box 9109
Dedham, MA 02027-9109

Founders Insurance
PO Box 3880
Harrisburg, PA 17105-3880

GEICO
8000 Lincoln Drive East, Suite 300
Marlton, NJ 08053

General Security National Insurance Company
Attn: Vanessa Scrudato
C/O Specialty Claims Management
Park 80 Plaza East
Saddle Brook, NJ 07663

GMAC Insurance
PO Box 1623
Winston Salem, NC 27102

Granite State Insurance Company
(See AIG Property Casualty Company)

Great American Insurance Company
Attn: Laura Helbling
PO Box 2059
Cincinnati, OH 45201-2059

Greater New York Insurance Companies
Attn: Mr. Richard Bogia, Asst. Vice-President
377 Summerhill Road
East Brunswick, NJ 08816-4537

Greater New York Mutual Insurance Company
Attn: Mr. Richard Bogia, Asst. Vice-President
377 Summerhill Road
East Brunswick, NJ 08816-4537

Hanover Insurance Group
440 Lincoln Street
Worcester, MA 01653
Preferred Service Method -
Email to:
svose@hanover.com

Harford Mutual Insurance Company
200 North Main Street
Bel Air, MD 21014
Attn: F.P. Kellner

The Hartford
P.O. Box 14269
Lexington, KY 40512
Preferred Service Method -
Email to:
AMCNFArb.Claim@thehartford.com

Harleysville Insurance Companies
One Nationwide Plaza
Mail Code 1-30-405
Columbus, OH 43215

Hermitage Insurance Company
Attn: Richard Huckstadt, Vice President
Claims Department
1311 Mamaroneck Avenue, Suite 135
White Plains, NY 10605

Hertz Claim Management
c/o ESIS
PO Box 6562
Scranton, PA 18505-0568

High Point Insurance
(including High Point Property and Casualty Insurance Company; High Point Safety and Insurance Company; High Point Preferred Insurance Company)
PO Box 901
Lincroft, NJ 07738-0901
Attention Pat Ganter, PIP Supervisor

Hudson Insurance Group
100 William Street, 5th Floor
New York, NY 10038

IAT Insurance Group
(including Acceptance Casualty Insurance Company, Acceptance Indemnity Insurance Company, Harco National Insurance Company, Occidental Fire & Casualty of North Carolina, TransGuard Insurance Company and Wilshire Insurance Company)
PO Box 17449
Raleigh, NC 27619-7449

IFA Insurance Company
By order dated May 4, 2017, Docket Number MER-C-20-17, all matters against IFA Insurance Company are enjoined and restrained.
Please see the announcement on Forthright’s website at
www.nj-no-fault.com


Illinois National Insurance Company
(See AIG Property Casualty Company)

Infinity Insurance Companies

(Includes Atlanta Casualty Co., Infinity Insurance, Leader Insurance & Windsor Auto)
3700 Colonnade Parkway
Birmingham, AL 35243

Insurance Company of Greater New York
Attn: Mr. Richard Bogia, Asst. Vice-President
377 Summerhill Road
East Brunswick, NJ 08816-4537

Kemper Auto and Home (a Unitrin Co.)
(includes: Kemper Independence Insurance Company, Unitrin Auto and Home Insurance Company, Unitrin Preferred Insurance Company, Unitrin Advantage Insurance Company, American Manufacturers Mutual Insurance Company, American Motorists Insurance Company, American Protection Insurance Company, and Lumbermens Mutual Casualty Company)
P.O. Box 2843
Clinton, IA 52733

Kemper Independence Insurance Company
(See Kemper Auto and Home)

Keystone Insurance Company
New Jersey Regional Claims Center
Attn: Diana Hughes
PIP Unit Manager
PO Box 5483
Mount Laurel, NJ 08054
Fax: 856-235-6232

Kodiak Insurance Company
Attn: Richard Huckstadt, Vice President
Claims Department
1311 Mamaroneck Avenue, Suite 135
White Plains, NY 10605

Lancer Insurance Company
370 West Park Avenue
PO Box 9004
Long Beach, NY 11561

Leader Insurance
(See Infinity Insurance Co.)

Liberty Mutual
PO Box 5014
Scranton, PA 18505-5014

Lumbermens Mutual Casualty Company
(See Kemper Auto and Home)

Markel Insurance Company
P.O. Box 2009
Glen Allen, VA 23058

Merchants Insurance Group
Attn: James Fierro
PO Box 78
Buffalo, NY 14240
Phone Number (716) 849-3147
Toll Free 1-800-952-5246 ext. 3147

Mercury Indemnity Company of America
Attn: NJ PIP
685 Highway 202/206, Suite 301
Bridgewater, NJ 08807
Preferred Service Method -
Email to:
NE_PIP_Subfiles@mercuryinsurance.com

Metromile
P.O. Box 66730
Phoenix, AZ 85082

Motor Club of America
(See Preserver Group)

National Continental Insurance Company
(a subsidiary of Progressive) (As Servicing Carrier for NJCAIP ONLY)
103 Morgan Lane Suite 250
Plainsboro, NJ 08536

National General Insurance Company
Attn: Robin Smith
PO Box 1623
Winston-Salem, NC 27102

National Liability & Fire Insurance Company
PO Box 6580
Saddle Brook, NJ 07663

National Union Fire Insurance Company of Pittsburgh, Pa.
(See AIG Property Casualty Company)

Nationwide Insurance
One Nationwide Plaza
Mail Code 1-30-405
Columbus, OH 43215

Nationwide Insurance (PA)
One Nationwide Plaza
Mail Code 1-30-405
Columbus, OH 43215

New Hampshire Insurance Co.
(See AIG Property Casualty Company)

New Jersey Citizens United Reciprocal Exchange (NJ CURE)
(See Citizens United Reciprocal Exchange [CURE])

New Jersey Manufacturers Insurance Group
(Includes: New Jersey Manufacturers Insurance Company,
New Jersey Re-Insurance Company,
and New Jersey Indemnity Insurance Company)

Preferred Service Methods –
Fax to 609-963-6127 or
email to PIPLitigation@njm.com

301 Sullivan Way
P.O. Box 928
West Trenton, NJ 08628

New Jersey Property-Liability Insurance Guaranty Association
233 Mount Airy Road
Basking Ridge, New Jersey 07920
Phone: 908-382-7100

New Jersey Re-Insurance Co.
(See New Jersey Manufacturers Insurance Group)

New Jersey Indemnity Insurance Co.
(See New Jersey Manufacturers Insurance Group)

New Jersey Skylands Insurance Company
C/O National General Insurance
Attn: Robin Smith
PO Box 1623
Winston-Salem, NC 27102

Netherlands Insurance Company
PO Box 4858
East Syracuse, NY 13221

Ohio Casualty Insurance Company
P.O. Box 5014
Scranton, PA 18505-5014

OneBeacon Insurance Company
188 Inverness Drive West
Suite 600
Englewood, CO 80112
Office Phone: 303-531-3800
Richard J. Gershater
Posted as of 6/18/2015

Palisades Property and Casualty Insurance Company
(formerly known as Proformance Insurance Company)
P.O. Box 901
Lincroft, NJ 07738-0901
Attn: Lou Ann McGuire - PIP Supv.

Palisades Safety and Insurance Management Corporation
P.O. Box 901
Lincroft, NJ 07738-0901
Attention: LouAnn McGuire – PIP Supervisor

Parkway Insurance
C/O Fireman's Fund Insurance Company
P.O. Box 970
O'Fallon, MO 63366

Peerless Indemnity Insurance Company
c/o Safeco Insurance Processing Center
PO Box 5014
Scranton, PA 18505-5014

Penn Millers Insurance Company
P.O. Box 4700
Chesapeake, VA 23327-4700

Penn National Insurance
PO Box 3880
Harrisburg, PA 17105-3880

Personal Service Insurance Company
P.O. Box 1930
Blue Bell, PA 19422-0480

Plymouth Rock Assurance of New Jersey
(Refer to High Point, Teachers or Palisades)
P.O. Box 901
Lincroft, NJ 07738-0901
Attention Pat Ganter, PIP Supervisor

Praetorian Insurance Co.

Attn: Rose Rodriguez
P.O. Box 6580
Saddle Brook, NJ 07663

Preferred Mutual Insurance Company
P.O. Box 541
New Berlin, NY 13411

Preserver Group
(Includes the former Motor Club of America)
Attn: Laurie Rew
PO Box 5155
Buffalo, NY 14240

Proformance Insurance Company
(See Palisades Property and Casualty Insurance Company)

Progressive Direct
(See Progressive Insurance Company)

Progressive Insurance Company
(Includes Progressive Direct and Drive by Progressive)
P.O. Box 94670
Cleveland, OH 44101-9919
Preferred Service Method -
Email to:
NJPipLitigation@progressive.com

Progressive Insurance Company (NY)
(See Progressive Insurance Company)

Providence Mutual Fire Insurance Company
PO Box 6066
Providence, RI 02940
ATTN: Florence Gobin, Claims Supervisor

Quincy Mutual Fire Insurance Company
Attn: Linda Eckman
57 Washington Street
Quincy, MA 02169

Rental Claims Services (formerly ELCO Claims Services)
201 Dolson Avenue, Suite A
Middletown, NY 10940
Preferred Service Method -
Email to:
7a11aaa@ehi.com

RLI Insurance Company (including CBIC)
P.O. Box 3961
Peoria, IL 61612
Preferred Service Method -
Email to:
Claim.Help@rlicorp.com

Royal & SunAlliance USA
(See Arrowpoint Capital Corp.)

Rutgers Insurance Companies
2250 Chapel Avenue West, Suite 200
Cherry Hill, New Jersey 08002

Selective Insurance Company of America
P.O. Box 7250 
London, KY 40742

Sentry Insurance, A Mutual Company
(Including Viking Insurance)
1800 North Point Drive
Stevens Point, WI 54481

St. Paul Traveler’s Insurance Company
Attn: Metro NY/NJ Claim Center
PO Box 430
Buffalo, NY 14240-0430

State Farm Indemnity Company
P.O.Box 106170
Atlanta, GA 30348-6170

State National Insurance Company
1900 L Don Dodson Dr.
Bedford, TX 76021

Strathmore Insurance Company
Attn: Mr. Richard Bogia, Asst. Vice-President
377 Summerhill Road
East Brunswick, NJ 08816-4537

Teachers Insurance Plan of New Jersey
PO Box 901
Lincroft, NJ 07738-0901
Attention: Pat Ganter, PIP Supervisor

The Mercer Insurance Group
c/o United Fire Group
P.O. Box 73909
Cedar Rapids, IA 52407

Topa Insurance Company
2400 E. Main Street - Suite 103-368
St. Charles, IL 60174

Tower Group Companies
P.O. Box 15096
Albany, NY 12212

Travelers
(includes Travelers Home and Marine Insurance Company,
Fidelity & Guaranty Insurance Underwriters, Inc.,
Sompo Japan Insurance Company, Charter Oak Fire
Insurance Company and and Travco Insurance)
Attn: Metro NY/NJ Claim Center
PO Box 430
Buffalo, NY 14240-0430

Preferred Service Method -
Email to:
melviaaa@travelers.com

Twin Lights Insurance Company
P.O. Box 923
Lincroft, NJ 07738
Attention: LouAnn McGuire, PIP Supervisor

Unitrin Advantage Insurance Company
(See Kemper Auto and Home)

Unitrin Auto and Home Insurance Company
(See Kemper Auto and Home)

Unitrin Direct (includes Kemper Direct) Auto Insurance Company
P.O. Box 2845
Clinton, IA 52733-2845


Unitrin Preferred Insurance Company
(See Kemper Auto and Home)

Universal Underwriters Insurance Company
Attn: Jennifer Reineke
PIP Claims Manager
PO Box 4034
Schaumburg, IL 60168
(identified by 10-digit claim number)

USAA (United Services Automobile Association)
9800 Fredericksburg Road
San Antonio, TX 78288

Utica National Insurance Group
(includes Utica Mutual Insurance, Graphics Arts Mutual,
Utica Lloyds of Texas, Republic-Franklin,
Utica Specialty Risk)

P.O. Box 6610
Utica, NY 13504-6610

Wausau Business Insurance Company
Attn: Tony Davaro, Auto & Liability Claim Manager
251 Salina Meadows Parkway, Suite 260
North Syracuse, NY 13212

Wesco Insurance Company
PO Box 6935
Cleveland OH 44101

Western United Insurance Company
(See AAA Mid-Atlantic Insurance Company)

Windsor Auto
(See Infinity Insurance Co.)

a Zurich North America
(including American Guarantee and Liability Insurance Company, American Zurich Insurance Company, Maryland Casualty Insurance Company, Steadfast Insurance Company, Zurich American Insurance Company, Zurich American Insurance Company of Illinois, and Zurich American Lloyds)
Attn: Jennifer Reineke
PIP Claims Manager
PO Box 4034
Schaumburg, IL 60168
(identified by 10-digit claim number)
Have Questions or Need Help? Contact Us
Important Information and Documents
New Jersey PIP arbitration program is entirely self-funded through user fees and places no burden on New Jersey taxpayers.
Forthright, a global provider of process design, automation, and management solutions, has been selected by the State of New Jersey to administer No-Fault Insurance Personal Injury Protection (PIP) arbitrations under the State’s Automobile Insurance Cost Reduction Act.
SOC Compliant Logo
Forthright is a SOC II Type II Compliant Organization
New Jersey PIP arbitration program is entirely self-funded through user fees and places no burden on New Jersey taxpayers.