Report: #624680

Complaint Review: NJ CURE - Princeton New Jersey

EDitorial Comments

WARNING!
Do not buy masks
from unknown
unreliable websites!

Coronavirus Covid-19
order masks now??

Political Signs Must Go!

EDitorial Comment
ED Magedson – Founder
Ripoff Report

Flood Damaged Vehicles
Unscrupulous Auto Dealers

How to identify hurricane
damaged trucks, cars RV's
motor cycles boats:
Ripoff Report Investigates

HELPFUL RESOURCES
Covid-19 coronavirus

Identifying coronavirus
Covid-19 rip-off scams

Featured Ripoff Reports

View More Recent
Featured Reports

Past Featured Reports

Don’t let them
Get away with it!

Make sure they make
the Ripoff Report!

EDitorial Comments

Wichita Kansas Attorney
Brad Pistotnik Indicted

Cyber Attacks & Content
removal scheme against
Ripoff Report

Ripoff Report Investigates

Drug Rehab Deception Addiction Treatment Industry Rocked By Fraud & Abuse. Patients made into prostitutes and sex slaves, bilking insurance companies out of millions

Sac_County Iowa Prosecutor Ben Smith pays $750,000 to settle Ripoff Report 1983 civil rights lawsuit.. Federal Judge stops prosecutors abuse of power against ED Magedson Founder of Ripoff Report

Ripoff Report Investigates!

Bogus Celebrity Advertisements FACE & Skin CREAM Ripoff! Don’t click on those slick Ads!

Phony Ad using Ellen DeGeneres
& hundreds of other A-list Stars...

Celebrity Skin Cream wrinkle cream rip-off advertisements US Based and Foreign companies bilked consumers out of Hundreds of Millions of dollars over the past 7 years

WHAT IS YOUR STORY?
ARE YOU A VICTIM?
FORMER EMPLOYEE?

WE WANT TO HEAR IT!
Contact Our Team Now!
CLICK HERE

What the BBB has done to consumers for over 100 years is one of the many reasons why Ripoff Report was created.

Better Business Bureau
What Consumers need to know

20/20 exposes the real BBB

In The Media

See more videos

We Need Your Help!

Learn More Here

Ripoff Report is Xcentric Ventures

Submitted: Mon, July 19, 2010
Updated: Fri, January 13, 2012
Reported By: Angry! — New Jersey United States of America

Author Confirmed

Why?

NJ CURE 214 Carnegie Center, Suite 101 Princeton, New Jersey United States of America

Phone: 609-520-0800
Web: http://www.cure.com/index.asp
Category: Insurance Companies

NJ CURE NJ Citizen United Reciprocal Exchange This company is a total scam run by thugs! This insurer should really be brought to justice. Will not pay claims, accuse you of fraud (when in fact, they do) Princeton, New Jersey

*Consumer Comment: Wish I would have found this website enough time

*Author of original report: Still waiting

REBUTTAL BOX™ | Respond to this Report! | Consumer Comment

Show customers why they should trust your business over your competitors...

Add Rebuttal to this Report

File New Report

← Is this

Report about YOU
listed on other sites?
Those sites steal
Ripoff Report's
content.
We can get those
removed for you!
Find out more here.

How to fix
Ripoff Report

If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

After reading other people's complaints, I understand better what has happened to me. I wish I had never bought my insurance with NJ CURE! This insurer is a total rip off, the worse ever! The way they operate, the owners of this company should be brought to justice. NJ CURE claims to be a "non-profit" insurer and be non-discriminatory, which are both totally untrue facts as far as I can tell.

NJ CURE attracts low or moderate income consumers, offering what appears to be competitive low premiums in comparison to other insurance companies. But don't be fooled! This company is a scam! You'd be better off purchasing insurance with another company, even if that means paying more. At the end, you (like I) can end up losing a lot.

I, like most people, buy insurance for the purpose of protecting myself in case something bad and unexpected, like a car accident, happen. The last thing I want is to pay premiums to an insurer who will hold me financially responsible for any potential losses or damages, no matter the circumstances. But this is exactly what NJ CURE does. If you ever get involved in a car accident like I did (whether it is your fault or not), the Underwriting Department manager will void your agreement and pay nothing.

Shortly after the accident, things started to get nasty. The folks in the Claims Division (that department that typically employs the "friendliest" people) start working on their deceptive scheme in full gear: making repeated phone calls, sending letters threatening to end your policy if you don't reply "immediately", and eventually interrogating you like a criminal and asking all kind of personal questions that they were probably never entitled to ask. They'll search for anything in what you say and do anything not to process your claim, even using intimidation if necessary (especially if you're a poor immigrant or minority, apparently). All that is done to void your agreement and pay nothing. How they do this? By finding any possible loophole in the law (it's not hard, especially when the exec was a former New Jersey Insurance Commissioner) and accusing you of fraud when in fact, they're more likely the ones committing fraud themselves. This is what they did with me and apparently what they do routinely to their policy holders (who they call "members").

in my case, the Claim Specialist asked me about anyone who lived in my building, including my landlord, his relatives, and some people I don't even know (how she got this list of names, I am curious to know). Eventually, I received a letter from the Underwriting Manager stating that; because I omitted to mention that my boyfriend lived with me at the time I filed my application for car insurance, my policy thus was being voided completely from the date it was originated (by the way, this is totally untrue and I can easily prove it). I could not believe they dared doing that. But let's say that my boyfriend and I moved in together, what's the point? My boyfriend doesn't even have a driver's license and never drives my car. Most importantly, he was not even a passenger in the car when the accident happened. As far as I'm concerned, whether he lives with me or not is totally irrelevant. An honest insurer would probably simply ask me to add my boyfriend as a household member, but still process the claim and pay for the damages incurred by the other party.

I also noted that NJ CURE didn't include a letter advising me of my right to file a complaint with the NJ Department of Banking and Insurance if I disagreed with their decision (all insurers are supposed to do that as far as I know). Considering how many complaints have apparently been filed with the Department of Insurance against this company, it is easy to understand why! I just did that, and advise everyone who was ripped off by NJ CURE to do the same. Companies like these should be out-of-business real fast! What they do is totally obnoxious. These people are nothing but thugs!

This report was posted on Ripoff Report on 07/19/2010 07:53 AM and is a permanent record located here: https://www.ripoffreport.com/reports/nj-cure/princeton-new-jersey-08540/nj-cure-nj-citizen-united-reciprocal-exchange-this-company-is-a-total-scam-run-by-thugs-t-624680. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

Click Here to read other Ripoff Reports on NJ CURE

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Report & Rebuttal

Respond to this report!

Also a victim?

Repair Your Reputation!

Updates & Rebuttals

REBUTTALS & REPLIES:

1Author

1Consumer

0Employee/Owner

#2 Consumer Comment

Wish I would have found this website enough time

AUTHOR: andrea hardy - (United States of America)

SUBMITTED: Friday, January 13, 2012

POSTED: Friday, January 13, 2012

I am going thru the same thing now.........wish I would of found this website in enough time!!

Respond to this report!

#1 Author of original report

Still waiting

AUTHOR: Anonymous - (USA)

SUBMITTED: Monday, August 23, 2010

POSTED: Monday, August 23, 2010

Just a follow up here. The Department of Insurance is now investigating my complaint, so hopefully I may get some results and documents related to the accident / claim (I never got any). I hopefully will also get a refund for my premiums. But to show how much lies this company tells, check this out:

In her letter to me last month, the Underwriting Manager at CURE wrote: a final determination has not been made regarding the return of any premium dollars to you. Any premiums returned to you will be offset by any payment made to you or third parties to satisfy claims made against your policy. More than 30 days have now passed, and I still havent received any refund or correspondence from CURE regarding this matter...

Two weeks ago, I received a letter from the Director of Underwriting stating that:the claimant has been paid for damages by CURE, however didnt provide me with any documentation related to the claim. THIS IS A TOTAL LIE because NJ CURE never made any payment to third parties. Because CURE voided my policy from the date of inception, thus I was technically uninsured at the time of the accident (or rather CURE denied that my policy provides coverage for the loss) consequently the drivers own auto insurance paid for the damages to the drivers vehicle, and not NJ CURE. NJ CURE really seems to have it both ways: turn the liability over to the other driver's auto insurance (like another poster on this site wrote), and at the same still cash on their customers!

Respond to this report!