CURE Insurance stands out as an insurance provider by not conducting credit checks but instead placing emphasis on driving records and their rates are lower for drivers with clean records; additionally they offer various discounts to policyholders.
Michigan car accident lawyers and customers have noticed that the company discourages its insureds from protecting themselves with unlimited medical coverage, potentially leading to subpar care and overwhelming medical debt.
Discounts
CURE offers its customers a number of discounts. In addition to its Good Driver Discount (which can save policyholders up to 35% off their premiums), the company provides loyalty discounts, multiple vehicle discounts, and off-street parking facility parking discounts on collision coverage policies.
CURE stands out from other car insurers by not considering factors like credit scores or occupation to determine your premiums. As it operates as a non-for-profit reciprocal exchange and does not make any profit off its policies, it does not take a commission or any profit for itself either. Unfortunately, though, CURE does not provide homeowners or renters coverage which may pose as a drawback for some drivers.
Customer reviews indicate that CURE representatives take too long to resolve claims and have an ineffective system of records, tending to reject certain claims or attempt to annul policies altogether. Despite these issues, however, CURE has recently seen improvements in customer service.
CURE Roadside Assistance program not only offers affordable premiums, but is available 24/7 in New Jersey and Pennsylvania as well. CURE provides towing, tire changes, fuel delivery and battery jump services among many others – it even offers both basic policies that meet state requirements as well as comprehensive policies with additional coverage options.
Coverage options
CURE stands out from other major car insurers by not basing its rates on factors like credit history or marital status; making it an excellent option for drivers with bad credit or low income. Furthermore, CURE provides various discounts such as multivehicle collision discount for multiple vehicles on one policy and off-street parking discounts that help save you money.
However, some Reddit users have voiced displeasure over CURE’s claims process and customer service. Some claim they were denied medically necessary surgeries through CURE; while others state they have been advised by them to underinsure in order to reduce monthly premium costs without risking bankruptcy due to crippling medical debt.
CURE Mutual Insurance Exchange provides car insurance policies in New Jersey and Michigan at prices significantly lower than traditional insurers, including full coverage policies that protect both vehicle contents as well as damages sustained to them. CURE provides policies with prices significantly below traditional auto insurers in both states.
A unique service offered by this insurance provider is their Roadside Assistance service, available free to policyholders. Reachable both by phone and online, this provides roadside assistance should an accident or mechanical breakdown occur while providing 24-hour customer service lines and competitive rates.
Customer service
Cure auto insurance may not be suitable for everyone, but it offers great value to drivers with low credit scores or poor driving records. Furthermore, Cure offers various discounts and coverage options including roadside assistance; unfortunately though they don’t provide homeowners/renters insurance which may make their policies inconvenient for those looking to bundle both policies together.
Unfortunately, ValuePenguin’s customer service isn’t always outstanding. Customers have complained that their claims were handled poorly by claim representatives; some were rude and disrespectful while others took longer than expected to resolve issues. Furthermore, some policyholders reported late payments; according to ValuePenguin however, many of these complaints have since been resolved.
CURE has come under scrutiny for second-guessing accident victims’ physicians and refusing to cover surgery costs for accident victims, something which could have devastating repercussions for them; for example, improper spinal disc treatment could result in partial or complete paralysis for some.
Additionally, companies’ refusal to cover medically necessary procedures can have a devastating impact on state economies. Therefore, it is vital that the insurance industry recognizes their responsibility to pay for all necessary procedures; doing so will help lower insurance premiums.
Rates
CURE provides three forms of car insurance. Their basic collision coverage has a $100 deductible; broad collision only applies a deductible if more than 50 percent at fault; and limited collision covers damage regardless of who was at fault for an accident. Furthermore, comprehensive and medical payment coverages provide protection if your automobile is stolen or damaged by fire, weather, or any other cause as well as medical payments to cover hospital bills incurred by drivers and passengers of your car involved in an accident.
Customers of this company have reported long delays when dealing with claims representatives, an unorganized record system and lower payouts than other insurers. Yet its low prices and broad coverage options still make it an attractive option.
Before selecting CURE as your auto insurer, it is wise to read up on their history of customer complaints against them. The Better Business Bureau allows customers to list any concerns about insurance providers they’ve dealt with – this information may help determine whether CURE fits with your insurance needs or not. In Michigan specifically, CURE is known for refusing to cover medically necessary surgery costs and for more frequently trying to revoke policies than other insurers; personal injury attorneys reported instances in which CURE actively discouraged its insureds from purchasing adequate medical coverage – leading them down a path that could result in financial and medical debt issues or bankruptcy altogether.