Cure Car Insurance, officially Citizens United Reciprocal Exchange, entered the Michigan market in July 2021. While it presents itself as an option for drivers, significant concerns exist regarding its practices, particularly concerning claims handling, coverage advice, and overall customer satisfaction. This article delves into these concerns to help Michigan drivers make informed decisions about their car insurance.
Cure Car Insurance Complaints and Controversies
Consumer complaints against Cure auto insurance in Michigan skyrocketed in 2023, nearly quadrupling compared to the previous year, according to the Michigan Department of Insurance and Financial Services (DIFS). These complaints predominantly revolve around claims handling, with policyholders expressing dissatisfaction with settlement offers and denials. The National Association of Insurance Commissioners (NAIC) echoes these concerns, citing delays in claims processing and unsatisfactory resolutions.
Questionable Practices: Deposits, Medical Coverage, and Legal Battles
Beyond the complaints, several practices raise red flags about Cure car insurance. The company requires a 25% upfront deposit in addition to the standard premium, a significant financial burden for many drivers. Furthermore, Cure has been accused of providing inadequate coverage advice, encouraging customers to opt for lower residual bodily injury (RBI) limits and discouraging the purchase of crucial uninsured/underinsured motorist coverage.
In one instance, DIFS ordered Cure to pay for a medically necessary spinal surgery for a car accident victim after the company initially denied coverage. This case highlights concerns about Cure’s willingness to approve necessary medical treatments and raises questions about its claims review process.
Cure Car Insurance and the Michigan No-Fault System
Cure’s entry into the Michigan market coincided with changes to the state’s No-Fault insurance law. The company boasts that a significant percentage of its policyholders opt for less than unlimited personal injury protection (PIP) coverage. While this might seem cost-effective in the short term, it leaves drivers vulnerable to significant financial burdens in the event of serious accidents.
Is Cure Car Insurance the Right Choice for You?
Choosing the right car insurance is crucial for protecting yourself and your finances. With the mounting complaints, questionable practices, and controversies surrounding Cure car insurance, Michigan drivers should carefully consider their options. Thoroughly research the company, compare quotes from other insurers, and prioritize companies with a strong track record of customer satisfaction and fair claims handling.
Before making a decision, consult resources like the Michigan Department of Insurance and Financial Services (DIFS) and the National Association of Insurance Commissioners (NAIC) for objective information and complaint data. Your financial well-being and peace of mind depend on making an informed choice. Don’t hesitate to seek advice from legal professionals specializing in auto insurance if you have concerns or require further clarification.
