Customer Service FAQs
General Information
- I have questions about my Prudential* life insurance, who do I call?
- How can I get Flood insurance?
- I would like to purchase a High Point automobile or umbrella policy. Who do I call?
- I am speech or hearing impaired. Do you have a TDD?
- I need help with my Homesite homeowners policy. Who do I call?
- How do I contact the New Jersey Division of Motor Vehicles?
- I do not qualify for standard automobile insurance. Who can I call to obtain coverage?
- I do not qualify for standard homeowners coverage. Who can I call to obtain coverage?
- What is a "Buyers’ Guide" and where can I get one?
Billing Information
- What payment options do you accept?
- How do I make a payment?
- Why is there a fee associated with paying my bill?
- How do I enroll in EFT?
- I received a Notice of Cancellation, what should I do?
- What is the PLIGA charge on my bill?
Automobile Policy Question
- Why did my premium increase/decrease?
- What is the difference between property damage liability insurance and collision insurance?
- What is collision coverage?
- What is comprehensive coverage?
- Should I have collision or comprehensive coverage for my older car?
- What is an endorsement?
- What is Bodily Injury Liability coverage?
- I am driving to Canada, how do I obtain a Canadian ID card?
Homeowner Policy Question
- How can I obtain broader coverage for my personal valuables?
- Are my child’s belongings covered on my High Point homeowner policy while he is away a school?
- Am I covered while I move to another location?
I have questions about my Prudential* life insurance, who do I call?
1-800-778-2255 or your Prudential agent.
How can I get Flood insurance?
To purchase Flood insurance authorized by FEMA (Federal Emergency Management Agency), please call your agent or 1-877-897-6468.
For questions regarding an existing National Flood Association policy, please call 1-800-638-6620.
I would like to purchase a High Point automobile or umbrella policy. Who do I call?
Please call your agent, or 1-877-89-POINT (1-877-897-6468), for a quote.
I am speech or hearing impaired. Do you have a TDD?
Yes. Please dial 1-800-453-3022 for service.
I need help with my Homesite homeowners policy. Who do I call?
Please call 1-800-466-4748.
How do I contact the NJ Division of Motor Vehicles?
General Information 1-609-292-6500
Restoration/Surcharges 1-609-292-7500
I do not qualify for standard automobile insurance. Who can I call to obtain coverage?
NJ PAIP Non Standard Auto Insurance 1-800-652-2471
I do not qualify for standard homeowners coverage. Who can I call to obtain coverage?
NJ FAIR Plan 1-973-622-3838
What is a "Buyer’s Guide" and where can I get one?
The “Buyer’s Guide” is a document to help you understand the choices you have for your car insurance coverage here in New Jersey. You can download a copy here.
What payment options do you accept?
We accept checks, Visa, Mastercard, or Discover credit cards.
How do I make a payment?
Mail: High Point Processing Center
P.O. Box 856900
Louisville, KY 40285-6950
Telephone: All payments can be made using our automated telephone system (available 24 hours, 7 days a week) by calling 1-800-437-5556.
You can also contact:
- Customer Service Center Monday-Friday, 8:00am to 7:00pm. A service specialist will be happy to accept your payment.
- Your Prudential Agent
Why is there a fee associated with paying my bill?
If you choose to pay in installments, there is no fee for your first installment; however, there is a fee for each of the remaining installments.
You can avoid service fees by paying your premium in full or by enrolling in Electronic Funds Transfer (EFT).
With EFT, there are no service fees, and you can pick the day of the month funds are transferred.
How do I enroll in EFT?
Simply complete and return our EFT form.
I received a Notice of Cancellation, what should I do?
Please call your agent, or our Customer Service Center, Monday-Friday, 8:00am to 7:00pm. A service specialist will be happy to review your policy status.
What is the PLIGA charge indicated on my bill?
PLIGA is a New Jersey state regulation that establishes a pool of money to pay claims of insolvent insurance companies. All car insurance companies in New Jersey are required to be a member of PLIGA and contribute funds for its operation.
Why did my premium increase/decrease?
There are several factors that may cause your premium to change:
- Have you moved since your last policy renewal? Rates can be impacted by where you live.
- Do you use your car to get to work? The number of miles you travel can affect your premium.
- Did you add or remove cars or drivers?
- Were any discounts added or removed?
- Did any driver listed on your policy have any accidents, moving violations, or claims since your last renewal?
What is the difference between property damage liability insurance and collision insurance?
Property damage liability insurance covers the cost of damage you may cause to the property of others. Collision insurance covers damage to your own car caused by a crash, minus any deductible.
What is collision coverage?
Collision covers damage to your automobile caused by collision with another object.
What is comprehensive coverage?
Comprehensive covers damage caused by theft, vandalism, glass breakage, or hitting an animal such as a deer.
Should I have collision or comprehensive coverage for my older car?
Buying collision insurance is a personal decision. You may want to consider the value of your car or the amount of loss you can afford.
What is an endorsement?
An endorsement is a change that is made to your policy. An example of an endorsement is adding a new car, changing your address or deleting a driver.
What is bodily injury liability coverage?
Bodily injury liability coverage pays for injuries you or anyone covered by your policy may cause to others.
I am driving to Canada, how do I obtain a Canadian ID card?
Please call our 1-800-437-5556 between the hours of 8:00am and 7:00pm. A service specialist will be happy to assist you.
How can I obtain broader coverage for my personal valuables?
We offer Scheduled Personal Property (SPP) coverage for items such as jewelry, silverware, collectables, photographic equipment, musical instruments, etc. There is an additional premium associated with SPP, based on the amount of coverage you wish to purchase.
Are my child’s belongings covered on my homeowner policy with High Point while he or she is away a school?
A student who is temporarily away at college but comes back home during the summer is still considered a household resident and is insured by your policy. There is coverage for personal property up to 10% of the Coverage C limit on your policy, no matter if the student lives in a dormitory, fraternity/sorority house, apartment, or rented house while at college. However, if the student leaves property at the school residence for 45 or more consecutive days without actually being there (during summer break for example), there is no coverage for theft of this property.
Am I covered during a move to another location?
We cover personal property owned or used by an insured anywhere in the world. Our limit for personal property usually located at an insured’s residence is 10% of the limit for coverage C or $2,000, whichever is greater. Personal property in a newly acquired principal residence is not subject to this limitation for first 30 days after the move.
* The Prudential Insurance Company of America and High Point are not affiliated companies.