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NJ - NJM FSD coverage

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How are guys covering the FSD especially in NJ with NJM.

They are trying to tack on $560 annually saying FSD is electonic accessory add on.. does that make sense?

anybody who already have NJM, can you please check policy and tell me how it's covered?
I have RED and 20" wheels.. they are saying those would be covered at $1500 max each..

Thanks in advance...
 
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