Cure Auto Insurance Good In Michigan

For drivers in Michigan, Cure auto insurance is not recommended. A "deposit" of twenty-five percent is added to their premium. They can question your surgeon and decline to cover the cost of your procedure. They provide drivers with terrible advice to underinsure, exposing them to crippling medical costs. And do you need to submit a claim? Anticipate that the claims adjusters will scrutinize your application to try and find a way not to pay for your claim.

But you don't trust us. Trust the reviews from their own clients on the business.?

The National Association of Insurance Commissioners (NAIC) and the Michigan Department of Insurance and Financial Services (DIFS) have provided data demonstrating that Cure Auto Insurance's own insureds have grievances regarding the insurer's handling of claims, settlement offers and settlements being "unsatisfactory" (i.e., unfair and too low), and the frequency with which the business refuses to pay claims.

Is Cure auto insurance in Michigan?

Regretfully, Michigan is where Cure Auto Insurance is located. In July 2021, this insurance company—whose main office is in New Jersey—entered the Michigan market. Interestingly, the insurer did not open a real, physical office in Michigan until August 2023, while operating in the state and offering consumers auto insurance coverage since then.

Around 75,000 drivers in Michigan were covered by the Cure Auto Insurance, whose official name is Citizens United Reciprocal Exchange, in August 2023, according to The Detroit News.

In addition to premiums, drivers must pay a 25% deposit.

Drivers who choose Cure Auto Insurance, a relatively new company in Michigan, are required to pay an upfront "deposit" in addition to their premium. According to the Detroit Free Press, the deposit is equivalent to 25% of the customer's initial base premium.?

Denying the right of a car accident victim to select their own physician

The "spinal surgical procedure" that a Michigan car accident victim needed was "not medically necessary to treat," according to Cure Auto Insurance, which declined to cover the procedure and pay for it in 2022. The Special Deputy Director DIFS mandated that Cure cover the cost of the procedure in case 22-2144.

In particular, the 30-year-experienced board-certified neurological surgeon who reviewed the case at DIFS's request found that "medical necessity [for the surgery] was supported on the date of service at issue and the treatment was not overutilized in frequency or duration based on medically accepted standards," in contrast to the insurance company's opinion to the contrary.

Additionally, the surgeon stated that the surgery was "justified and in accordance with the standard of care" and that it was "medically necessary."

As a result, DIFS overturned Cure Auto Insurance's incorrect denial of coverage and mandated that the insurer fund both the surgical costs and "interest on any overdue payments."

Not only does Cure decline to cover procedures that are deemed medically necessary. Cure regularly declines to pay any claims for vehicle damage, according to Scott Watson, an independent appraiser who assists clients in getting more money for "total loss car" incidents. Mr. Watson, who works with almost all of the insurance companies in Michigan, believes that Cure frequently tries to reject claims and that they make more attempts than any other insurance company he works with to revoke and void policies.?

Incorrect guidance regarding no-fault insurance

Cure insurance regularly discourages clients from getting enough medical coverage, thereby setting them up for crippling medical and financial debt as well as personal bankruptcy.?

Anecdotally, we are learning that Cure Auto Insurance frequently suggests to its clients in Michigan that they reduce their RBI (residual bodily injury) coverage from $250,000 to $50,000. Although the customer might save a few bucks by doing this, if they or another driver in their vehicle ever causes a significant auto accident, the result might be a judgment that is far higher than the insurance policy limits, which could expose them to risk again and result in bankruptcy.

A person with unlimited no-fault medical benefits coverage will have their medical expenses paid for, no matter how much they end up costing. The maximum amount in dollars is not specified. It is our attorneys' strong recommendation that all drivers in Michigan obtain this coverage, since it is essential for victims of auto accidents.

Cure, however, steers its clientele in the other way. It's looking more and more like Cure Auto Insurance is deliberately pushing Michigan drivers to choose policies with fixed lower PIP coverage limits or to completely forego No-Fault medical coverage in place of safeguarding their families with limitless medical.?

Customers of Michigan Cure Auto Insurance will suffer greatly in situations involving severe and catastrophic injury. It implies that people are unable to obtain the essential medical attention and therapy they require. It results in medical "warehousing" and subpar treatment. Additionally, it results in crippling medical debt and individual bankruptcy.?

Indeed, news reports claim that Cure appears to boast about how it is deterring drivers from choosing the best health insurance for their families.

"The most important stat I think is that 94% of all the people that buy car insurance from CURE are choosing an option that was introduced under this new law," stated the CEO of Cure, as reported by The Detroit News.

In a similar vein, Crain's Detroit Business reported that 94% of drivers covered by CURE insurance had chosen less than unlimited PIP.?

Denying yourself the protection that you need

Our anecdotal experience, along with the experiences of other personal injury attorneys in Michigan, indicates that Cure Auto Insurance is also deterring its insureds from obtaining sufficient liability insurance and from skipping essential coverages like collision, underinsured motorist, and uninsured motorist.

Refusing to reimburse claims

Instances demonstrating Cure Auto Insurance's growing aggressiveness in attempting to find ways to avoid having to pay out on their insureds' auto accident claims after they have been injured in a car crash are what the auto accident attorneys at Michigan Auto Law and throughout the state are seeing.

There are three avoidance strategies that seem to be more popular with Cure:

Medical necessity - An auto insurer refuses to pay for necessary medical care by arguing that the procedures, treatments, or medications are not medically necessary. This is done by using hired-gun insurance company doctors, such as those biased physicians hired for outrageous sums by insurers to conduct unfair, biased IME exams to create a reason for denying a claim or cutting off benefits. An instance of this was covered previously and is recorded in the DIFS Special Deputy Director's 2023 order.?

Rescission: This is the process by which an auto insurance company goes through an applicant's application after a collision and files a claim in an effort to discover a basis to "rescind" the policy and, consequently, void all coverage.

Lack of collaboration The "cooperation" clauses found in the majority of insurance contracts mandate that insureds assist their insurer in processing their claim. The insurer has the right to reject the underlying claim if the claimant refuses to cooperate. What is concerning is that anecdotally, we and others are observing a pattern of Cure become more assertive in his use of this "duty to cooperate" as a justification for rejecting claims. Although this is anecdotal, it's crucial to remember that our attorneys work with all Michigan insurance companies, and none of them is as aggressive as Cure Auto Insurance when it comes to trying to cancel policies and seeking ways to withhold payments for legitimate claims.?

Grievances directed at Cure auto insurance

According to data released by the Michigan Department of Insurance and Financial Services (DIFS), Cure Auto Insurance has one of the highest complaint ratios in the state of Michigan. This ratio is calculated by dividing the total number of complaints from its insureds by the millions of dollars in premiums that the insurer has collected from its insureds.

In Michigan, 77% of customer complaints against Cure Auto Insurance in 2022 concerned the company's claims processing.

This is not good news for drivers who have just recently joined the market in July 2021 and are paying their premium dollars to Cure.

The majority of insureds' complaints, according to the National Association of Insurance Commissioners, were denials of claims, inadequate settlements and offers, and delays in the processing of claims.

Is Michigan-based Cure Auto Insurance reputable?

It wasn't until July 2021 that Cure vehicle insurance began offering plans in Michigan due to the implementation of the revised No-Fault fee schedule, which reduced medical provider prices by 45%. They levy a "deposit" in addition to premiums. DIFS ordered a victim of an accident to pay + interest after they refused to cover the cost of their operation.

Furthermore, anecdotal evidence indicates that Cure Auto Insurance discourages individuals from obtaining sufficient RBI, or bodily injury insurance, in the event that they cause an auto accident. Instead, it encourages drivers in Michigan to choose lower PIP No-Fault medical coverage or to opt out completely. They also seem to be discouraging customers from getting collision insurance in addition to "uninsured" and "underinsured" driver coverage. When it comes to getting auto insurance, two of the most crucial coverages are underinsured and uninsured motorist. The safeguards they provide are vital if you or a loved one is ever hurt in a major car accident, and they are quite inexpensive.?

Last but not least, car accident attorneys who represent victims of collisions are witnessing Cure try to avoid paying claims by trying to revoke policies and/or alleging that injured parties are "failing to cooperate" with Cure's handling of their claims far more frequently than they are with all the other insurance companies they see.

Is Detroit home to Cure auto insurance?

In 2023, the Detroit News revealed that 58% of the 75,000 drivers insured by Cure—whose true name is Citizens United Reciprocal Exchange—were citizens of Detroit.

Which states provide auto insurance from Cure?

Pennsylvania, New Jersey, and Michigan are the states that offer Cure Auto Insurance. In July 2021, the insurance company started offering auto insurance in Michigan. August 2023 marked the official opening of its physical office in the state.

Hurt in a vehicle accident? Give our lawyers a call right away!

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