Does Cure Auto Insurance Cover Ridesharing?

Cure Auto Insurance does not offer rideshare insurance for drivers. This means that if you work for a rideshare or delivery app like Uber, Lyft, or DoorDash, you won't be covered under Cure's policy. If you're a rideshare driver, you'll need to look into purchasing rideshare insurance separately or switching to an insurance provider that offers this type of coverage.

Does Cure Auto Insurance cover drivers with a history of accidents?

CURE Auto Insurance is a good option for drivers with a history of accidents, as the company bases its insurance premiums primarily on your driving history. While most insurers factor in credit score, the highest level of education attained, homeownership, and other factors to determine the risk of a driver getting into accidents, CURE views this as income discrimination and secondary to accident risks.

However, it's important to note that CURE Auto Insurance is only available in Michigan, New Jersey, and Pennsylvania. The company also has a high complaint index rating, indicating that it receives more complaints relative to its size compared to other insurers.

If you have a history of accidents, CURE Auto Insurance may offer you lower rates than other insurance companies. However, you may experience longer claims and settlement processes, as well as limited coverage options and discounts.

• CURE Auto Insurance is best suited for drivers with a clean driving record. If you have a history of accidents, your rates will likely be higher than those with a spotless record.
• CURE primarily considers your driving record when determining rates, which means your credit score, occupation, and education play a minimal role.
• CURE offers a range of coverage options, including bodily injury liability insurance, property damage liability insurance, collision insurance, comprehensive auto insurance, uninsured/underinsured motorist coverage, and personal injury protection insurance.
• The company has a high complaint index rating from the National Association of Insurance Commissioners (NAIC), indicating a higher volume of complaints relative to its size.
• CURE is only available in three states: Michigan, New Jersey, and Pennsylvania.
• CURE's basic coverage options range from $25 to $50 per month, but rates can vary depending on your driving history and location.
• CURE offers some discounts, including a defensive driving discount, a loss-free discount, and a safe parking discount.
• The company has mixed customer reviews, with some praising its affordability and simple claims process, while others complain about poor communication and unresponsiveness.

Does Cure Auto Insurance cover drivers with DUIs?

Cure Auto Insurance is a legitimate company that offers car insurance in Michigan, New Jersey, and Pennsylvania. The company bases its insurance rates primarily on a driver's record, making it a good option for drivers with poor credit scores. However, Cure Auto Insurance is not suitable for drivers with high-risk driving records, including those with recent DUIs, speeding tickets, or at-fault accidents.

Cure Auto Insurance does not offer many unique coverage opportunities beyond the standard six types of car insurance. The company has a reputation for offering premiums at cheaper-than-average prices, but its limited discount options mean that drivers may find more affordable and flexible coverage elsewhere.

• Liability (BI/PD): This policy covers damages to other people and their property, including bodily injury liability and property damage liability.
• Collision: This covers the cost of damages to your car if you collide with another vehicle or object.
• Comprehensive: This covers damages to your vehicle that aren't due to a collision, such as theft, vandalism, natural disasters, and civil disturbances.
• Medical payments (MedPay): This covers the costs of vehicle-related medical treatments for you and your passengers, regardless of fault.
• Personal injury protection (PIP): This covers medical treatment and other injury-related losses, such as lost wages.
• Uninsured/underinsured motorist (UM/UIM): This protects you if you get into an accident with a motorist who doesn't have sufficient insurance.

In addition to the standard coverages, Cure Auto Insurance offers roadside assistance with all policies and extended transportation coverage for a fee. However, they do not offer rideshare insurance for drivers who work for companies like Uber or Lyft.

Does Cure Auto Insurance cover young drivers?

Cure Auto Insurance is a legitimate car insurance company that offers affordable rates to drivers with poor credit in Michigan, New Jersey, and Pennsylvania. The company bases its premiums primarily on a motorist's driving record, rewarding safe drivers with reasonable rates even if they don't meet the traditional criteria for low insurance premiums.

Cure Auto Insurance is a good option for young drivers with a clean driving record. The company offers lower-than-average premiums, and age is one of the factors that affect their rates. However, it's important to note that Cure Auto Insurance has mixed customer reviews, with some policyholders reporting issues with the claims process, coverage selection, and customer service.

While Cure Auto Insurance doesn't use credit scores, occupation, or educational background as determining factors for rates, there are other factors that influence the cost of their premiums. These include age, vehicle type, location, driving record, chosen deductible, and recent claims history.

In summary, Cure Auto Insurance can be a good option for young drivers with clean driving records, especially in the three states where it's available. However, it's always a good idea to compare quotes from multiple insurance providers to find the best coverage and rates for your specific needs.

Does Cure Auto Insurance cover high-risk drivers?

Cure Auto Insurance is designed for drivers who are considered less desirable to other insurance companies. This includes drivers with jobs that require a lot of driving, those who are not homeowners, or those with a low credit score. Cure bases the cost of its premiums primarily on a motorist's driving record, rewarding safe drivers with reasonable rates.

Cure Auto Insurance is not recommended for high-risk drivers. The company does not offer SR-22 insurance certificates, and its approach towards drivers with rougher driving histories is less than enthusiastic. While Cure offers cheaper-than-average premiums, it is not ideal for drivers with recent at-fault accidents, DUIs, or speeding tickets.

High-risk drivers are more likely to be charged higher premiums and may struggle to find coverage. Factors that contribute to a driver being considered high-risk include a history of traffic violations, speeding tickets, DUIs, multiple at-fault accidents, reckless driving convictions, lapses in insurance coverage, and bad credit scores.

High-risk drivers can take steps to lower their insurance rates, such as looking for discounts, improving their credit score, or enrolling in a telematics insurance program. It is also beneficial to shop around and compare quotes from multiple providers to find the most affordable coverage.

Does Cure Auto Insurance cover classic cars?

Classic car insurance is designed for vehicles that are at least 10 years old, hold or appreciate in value, and are used primarily for pleasure rather than daily transportation. This type of insurance is meant for older, collectible vehicles that are only driven occasionally, such as to car shows or on weekend drives.

Cure Auto Insurance, a nonprofit company providing car insurance in Michigan, New Jersey, and Pennsylvania, does not currently offer classic car insurance. The company focuses on offering affordable rates to drivers with poor credit scores, basing its premiums primarily on a motorist's driving record rather than traditional criteria such as credit scores, occupation, or educational background.

While Cure Auto Insurance provides the standard six types of car insurance coverage, it does not offer many unique coverage opportunities beyond these. Some of the add-on coverages that Cure Auto Insurance is missing include accident forgiveness, rideshare coverage, new car replacement coverage, and gap insurance.

If you are specifically looking for classic car insurance, other insurance companies like State Farm and GEICO offer this type of coverage. State Farm, for example, provides classic car insurance in addition to its standard coverage options, while GEICO offers customizable coverage designed specifically for classic or collector vehicles.

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