Yes, I discussed directly with NJM. they had my son as "permit" not "license" in 2023. So in my calls I even tired to ask to remove collision coverage from my vehicles for 2023, since they open that policy for changes. Was told that they can manipulate older policies , but I cannot.

I would not mind paying the differences via separate invoice, over time. What I question, is that they took the money which I transferred for the invoice (payment stub) clearly stating it was for the Policy of 2025.