CURE Auto Insurance offers competitively-priced policies to drivers with impeccable driving records in New Jersey, Pennsylvania and Michigan. CURE currently provides its services.

Drivers who experience income discrimination due to low credit scores or employment status. Furthermore, they offer discounts such as multivehicle collision, loyalty and parking discounts.

Customer Service

CURE offers 24/7 customer service support; however, some customers have reported difficulty connecting with someone and receiving quick responses. Furthermore, some have had issues with claims handling; for instance a case involved surgery being necessary to address spinal injury and being denied because CURE believed the injury wasn’t permanent enough; after this dispute escalated further investigation by Michigan Department of Insurance and Financial Services (DIFS) ensued.

Overall, reviews for CURE auto insurance vary; some customers have reported disorganized customer service and delayed payouts while others find the company friendly and helpful. Furthermore, this company doesn’t provide home or life coverage which may be concerning for some drivers.

CURE offers competitive car insurance quotes to drivers of all ages, particularly younger drivers. Furthermore, discounts that reward safe driving and policy bundling could help drivers save money.

Although only available in three states, Progressive has earned an outstanding reputation for offering affordable car insurance with great customer service. Drivers with clean records could save as much as $200 each month when purchasing coverage through this provider; it would be wise to compare their rates against similar offerings to determine whether any may provide better rates.

Claims

Personalized service is at the heart of CURE’s claims process and should create an environment of care and empathy for customers. Claim handling policies, practices and procedures should reflect this philosophy to create an empathetic experience for policyholders.

Unfortunately, that has not been the case for all of the company’s customers, particularly in Detroit, Michigan. Residents there were especially hard hit by No-Fault changes which removed their entitlement to unlimited medical benefits and exposed them to financial ruin if involved in an auto accident.

CURE’s practice of charging policyholders an upfront “deposit” equal to 25% of their base premium has recently come under scrutiny from critics, particularly in Detroit where this practice places undue financial strain on many drivers residing in poorer areas who already struggle affording auto insurance policies. According to Detroit Free Press reporting, CURE’s practice can place undue financial strain on drivers living in lower socioeconomic areas who already struggle affording auto insurance premiums.

As CURE does not use credit scores or occupation to set its rates, gender, education level and location can still play a factor when deciding who can purchase auto insurance through them. Therefore it’s crucial that before selecting a carrier it is wise to consult a qualified agent regarding your individual situation and needs. If your CURE insurer is treating you unfairly it would also be worthwhile filing a complaint with DIFS.

Pricing

CURE offers drivers looking for cost-cutting coverage an economical solution, with average annual full coverage costs coming in at only $1,968 annually – considerably lower than other providers and competitive rates in New Jersey, Michigan and Pennsylvania as well. However, some reviewers were unimpressed with CURE’s claims handling due to frequent delays and inadequate settlements.

Though this company boasts an outstanding Better Business Bureau rating, it is wise to carefully weigh both its benefits and drawbacks before making a definitive decision. Although its affordability and customizable policies make it attractive for many drivers, any complaints regarding claims processing and service quality should also be carefully taken into consideration before making your choice.

Cure Auto Insurance stands out from its competition with competitive rates by participating in Citizens United Reciprocal Exchange, an exchange that facilitates more personalized customer service. Cure also utilizes scalable outsourcing solutions to keep up with their growing demands for services; such companies include service companies who help issue/maintain policies/handle administrative functions as well as appraisers that assess vehicle values as well as support organizations like ISCOs (Insurance Counselors of Europe and Central America).

CURE’s claims process has often been criticized by car accident lawyers working with CURE policies. According to these attorneys, the company often attempts to avoid paying claims through tactics such as revoking policies or assigning blame on victims for injuries sustained during car accidents.

Discounts

CURE Auto Insurance does not disclose much on their website about what discounts they provide to their customers; however, Reddit users with clean records in New Jersey and Pennsylvania have reported savings of $200 or more when purchasing policies through CURE.

Cure Auto Insurance, located in Princeton, New Jersey is an auto insurer that is non-profit and prioritizes how a driver drives over factors like their socio-economic status (credit score or occupation) when setting prices for car insurance policies. Furthermore, Cure does not use gender when setting rates in Michigan and Pennsylvania.

Though these PIP limits may seem beneficial to consumers, they can create issues in serious injury cases where treatment costs exceed what was selected by their policyholders and cause their insurance company to question whether certain treatments are medically necessary; as reported by Michigan’s Detroit Free Press. This issue has already arisen in one Michigan case as previously outlined.

In this instance, an insurance company decided not to consider surgery necessary for treating a spinal disc injury, leaving its victim with partial paralysis and reduced life expectancy as evidence suggests that spine injuries often result in permanent disability.