CURE Auto Insurance wants to charge Michigan drivers 25% more for car insurance coverage in 2025.
Specifically, CURE wants to “revise the rates in its Private Passenger Auto program in the State of Michigan” which would “[i]ncrease the base rate for BI, PPI, and PIP coverages by 25%,” according to the October 21, 2024, Rate Filing Memo that CURE has submitted to the Michigan Department of Insurance and Financial Services (DIFS).
As of December 18, 2024, CURE’s request to increase its base car insurance rates is “Under Review – Detailed Review” with DIFS.
“BI” is bodily injury liability coverage. “PPI” is property protection insurance which covers property damage. And “PIP” is “personal protection insurance” – which is also known as “personal injury protection” insurance – which covers a crash victim’s medical expenses, wage losses, and replacement services.
CURE’s Hypocrisy on Pricing Car Insurance
I wrote a blog critical of CURE insurance earlier this year. CURE first sent me a threatening letter demanding I take the blog post down. Afterwards, they filed a “defamation” lawsuit. Of course, the lawsuit isn’t about defamation at all. It’s about CURE’s attempt to improperly use the legal system to suppress accurate and truthful information that it would prefer to hide from the public.
One of the things from my original blog post that appears to have really upset CURE (especially if you were to read the incredibly nasty letter I received from CURE’s general counsel) was referring to a “deposit” that CURE is making its insureds pay, in addition to the cost of their car insurance premiums.
The Detroit Free Press, when they reported on this, also called it a deposit. The FREEP wrote this is a “deposit [that] equals 25% of a customer’s initial base premium.” CURE then put a link to the FREEP article on its own News-Media page on its own website.
The adage that “what you do speaks so loudly that we cannot hear what you say” certainly applies here. Perhaps CURE may want to consider this when they send threatening letters to people who use the word “deposit” when they choose to link to it from their own website!
But the larger point here is CURE’s hypocrisy on car insurance pricing.
In a race to the bottom, it makes sense for businesses like CURE Auto Insurance to try to hide information from the public (in the same perverse way that it used to make sense for hot dog manufacturers to hide the ingredients of various animal parts they were putting in hot dogs).
This is the epitome of short-term, self-destructive thinking.
CURE can’t have it both ways. CURE proclaims to the public that it “intends to help Detroit drivers obtain insurance at an affordable price.” That’s a direct (if very self-serving) quote from the actual lawsuit they filed against me.
Charging consumers more for auto insurance seems like a strange way of going about “helping Detroit drivers obtain insurance at an affordable price,” don’t you think?
If CURE wants to help Detroiters find affordable car insurance, then the economics are clear. Transparency on pricing better serves Michigan drivers looking to purchase affordable auto insurance. Hiding how CURE prices insurance from the public does not.
Transparency about pricing would create far more long-term value if CURE really is interested in “helping drivers find affordable pricing” for auto insurance. Transparency on pricing would generate far higher profits for CURE in the long-run.
But by attempting to improperly suppress and hide this information from the public, and by using its own lawyers to try to threaten and sue those who provide this information to the public, CURE does neither. It is acting against the public’s best interest and its own best interests.
CURE wrongly thinks it’s better to conceal car insurance pricing information from consumers. This is like the hot dog manufacturer trying to hide the ingredients inside the hot dog. In the end, trying to hide this from the public hurts CURE most.
If CURE really wanted to create a foundation of trust so Detroiters knew it could be a trusted broker to find affordable car insurance, they would be embracing sunlight and transparency for Detroiters. They would be much better served making pricing information easily available for consumers so they could shop and compare.
Sunlight and transparency on how CURE charges consumers for auto insurance, including on whether we want to call this a “deposit” or a “surplus contribution,” makes it easier for everyone to see if CURE really is trying to help Detroiters find affordable car insurance information.
Instead CURE just wants us to take them at their word. They seem intent on using litigation to hide from Michiganders just what exactly is inside that hot dog they’re selling.
Was Your Michigan Car Accident Claim Denied by CURE Auto Insurance?
If CURE Auto Insurance has not been treating you fairly and is improperly denying your claim in Michigan, you can file a complaint and share your experience in any of the following ways:
- To file a customer complaint against CURE with the Michigan Department of Insurance and Financial Services (DIFS), click here.
- To file a complaint against CURE with the Better Business Bureau, click here.
- To leave a review on the Better Business Bureau’s customer reviews page for CURE, click here.
- Share your experience on Reddit in any of the following subreddits: Cure insurance claims/customer service experience, Any experience with Cure Auto Insurance?, Auto Insurance – Metro Detroit, and Any experiences with Cure Auto?, Wrong VIN On Insurance, Customer Service, Rates Doubled, Nightmare, Incorrect VIN on Insurance, and Cancelled Policy.
Injured in a car accident in Michigan? Call the attorneys at Michigan Auto Law for a free consultation!
If you were injured in a car accident in Michigan and wondering how your CURE car insurance coverage impacts your claim, call now (800) 968-1001 for a free consultation with an experienced car accident lawyer. There is no cost or obligation. You can also visit our contact page or use the chat feature on our website.
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