After Michigan car accident attorney Steven Gursten posted a blog critical of fast-growing Cure Auto Insurance, the company sent him a response letter. Cure is a reciprocal insurer which requires drivers to pay an upfront surplus contribution deposit equal to 25% of their base premium premiums.
primarily provides auto insurance in New Jersey and Pennsylvania, offering various options to drivers denied coverage from other providers due to credit history, occupation or education considerations.
Customer service
CURE Insurance does not rely on credit checks or occupation as criteria when setting premiums, making them potentially attractive to drivers who have been classified as high risk by other insurers. Unfortunately, some customers of CURE have voiced discontent over its slow claims processes and other issues.
Cure Insurance Company entered the Michigan insurance market in July 2021 and quickly established itself as a preferred choice among Detroit drivers. Advertising campaigns heavily feature Cure, with CEO frequently appearing on local news programs to discuss insurance matters. Furthermore, Cure has sponsored both Lions and Pistons games since then.
Consumer complaints against the company nearly quadrupled in 2023 and it had the third-highest complaint ratio among Michigan’s 85 largest auto insurers (complaints from insureds divided by millions of dollars of premium collected from them). Most of these complaints related to medically necessary surgery post car accidents.
Cure Insurance Company’s customer service representatives can be reached by phone, email or live online chat. While some have complained of its confusing claims process, others report positive experiences. Furthermore, Cure offers many additional benefits to its policyholders such as roadside assistance, discounts on towing and rental cars as well as coverage against stolen vehicle theft – customers may even cancel their policy anytime without incurring penalties or cancellation fees.
Rates
CURE provides various discounts to reduce the cost of car insurance, such as multivehicle discounts, safe driver discounts and parking discounts. You can learn more by speaking to one of their customer service representatives about these offerings. In addition, CURE also provides good student and senior citizen discounts.
CURE, as a rapidly-expanding company, has received some criticism from consumers. Most complaints pertain to either its claims process or billing practices; Michigan auto accident lawyer Steven Gursten notes that Cure has caused much frustration for his clients.
Gursten recently published an incendiary blog post criticizing CURE on his firm’s website, prompting CURE to threaten to sue. But instead, Gursten chose to disregard their threat and continue publishing his post anyway.
Michigan offers an innovative system for rating insurance companies. The Department of Insurance and Financial Services (DIFS) monitors every company operating within its borders, collecting information on policy quality and customer satisfaction. DIFS recently reported that complaints against Cure have nearly quadrupled since 2023 in Michigan while doubled in New Jersey despite Cure holding relatively small market shares in both states. This trend should be of particular concern given their small market shares across both regions.
Coverage
Cure Auto Insurance promises to customize its quotes based solely on how well you drive – not credit history, income or marital status – meaning no direct impactful factors such as credit histories can have an effect. Cure’s quote system promises a more simple solution: simply how well drivers perform.
Our basic policy provides coverage for bodily injury and uninsured/underinsured motorists in New Jersey with limits ranging from $15,000 to $250,000. In addition, this coverage provides personal property and collision coverage as well as medical expense reimbursement and towing/labor coverage.
Many customers report positive experiences with CURE, while others express discontent over its long and complicated claims process and difficulty getting payments from CURE. Some have also voiced criticism against it refusing to cover medically necessary surgeries.
If you’re considering signing a policy with Cure, be sure to read and heed any warnings about their policies or claims process before making your decision. Be wary if they require a deposit of 25% “surplus contribution in addition to premiums”, as this could be an indicator that they require too much of you as premium payer. Also keep in mind that cancellation within 60 days is possible with Cure policies if anything seems amiss with them.
Complaints
Cure Insurance does receive positive customer reviews in terms of affordability and claims processing, yet frequent complaints about delays and inadequate settlement offers remain. Furthermore, reports surface of them denying claims outright or using strategies like rescission to avoid paying out policies which has left some customers frustrated and dissatisfied.
Michigan consumers’ complaints against CURE Insurance Services have more than quadrupled in two years and now number 150, placing Cure at third on Michigan’s list of 85 largest auto insurers despite having only a minor market share. Most complaints focused on claims handling; with 76% citing delays and unsatisfactory settlements.
Michigan personal injury lawyers report anecdotal evidence that Cure actively discourages its insureds from choosing unlimited medical coverage and is instead encouraging them to select fixed lower PIP limits or opt out altogether, leading them down a path toward substandard care and devastating financial repercussions for the injured party.
Cure has earned an A rating with Better Business Bureau but isn’t accredited, meaning no direct phone support available for any policyholders or claims processing needs. But for drivers seeking alternatives to traditional insurers like Travelers or Mercury, Cure may offer something worthwhile as an option.