Claims

Step 1: Report your claim

File a claim by calling 800-535-2873. A claim can be reported 24 hours a day, 7 days a week.
You will be asked to provide:
1) Where the accident occurred;
2) Date and time of the accident;
3) General description of what happened;
4) Name of the driver (if a driver was involved in the accident).

Throughout the report, CURE may ask you for additional information such as contact information for other parties, vehicle locations, property owner information, and police report details. This information is important and helpful to have as soon as possible, but you can still report your claim without it.

What Happens Next?

You will be assigned a CURE claims adjuster and can expect to hear from them within 24 business hours. The adjuster will help you navigate through the claims process and be available to answer any questions you may have.

If you have damage to a CURE covered vehicle and are pursuing a claim against your policy for damages, CURE will assign an appraiser to assess the damages.

You can expect to hear from a CURE appointed appraiser within 24-48 business hours to set up a date and time that is convenient for you.

If you are eligible for a rental vehicle through your CURE policy, you will be able to set this up at the time you report the accident. Simply ask and the CURE representative can assist with this.

Step 2: Repairing your vehicle

Upon receipt of the estimate, you have the option to get the vehicle fixed or receive payment for the repairs and fix the vehicle at your convenience. If your vehicle is financed or leased, they may require that the vehicle be repaired or that you receive a check with your name as well as the lienholders on it.

You may choose any licensed auto body shop for repairs or choose one of CURE’s Direct Repair Shops. What are the benefits to using a CURE Direct Repair Shop?
- Efficient claims processing
- Worry-free towing and storage charges
- Highest standards of quality, workmanship, and customer service

Once the vehicle is repaired, you will pay your deductible directly to the shop. If there is any additional damage found by the shop, CURE’s appraiser will go back out and write for any additional damage found, which is called a supplement.

If your vehicle was deemed a total loss, please click here to see how it will be handled.

You can file a glass claim with Safelite Auto Glass by calling 877-664-8931.
CURE works directly with Safelite Auto Glass. If damage to your glass is in the form of a chip and is minor, it can be repaired without applying your deductible. Safelite will bill CURE directly for the cost of the repair. If a windshield needs to be replaced, your comprehensive deductible would apply. If the cost to replace the windshield exceeds your deductible, Safelite would bill CURE for the difference.

When asked for your claim number, please provide them with your policy number followed by the date of the loss.

If you purchased rental coverage on your policy, you will be eligible to obtain a rental vehicle. Your claims adjuster will set you up with one of our preferred rental companies to arrange for a rental while your vehicle is being repaired or if your vehicle was not drivable.

An inspection of the vehicle will be done by CURE to determine the value and to consider whether it will be considered a total loss.

CURE factors in the year, make, model, mileage, condition, and options when making the determination of whether your vehicle is a total loss and what the value of that vehicle would be. Upon completion of that determination, payment may be issued to you and/or your lienholder for the value of your vehicle, minus the deductible.

Do I need to complete any paperwork?
Yes – there will be paperwork that needs completion.

• Driver Statement Form - please fill out and return to your assigned adjuster.
• Power of Attorney - If your vehicle is leased or financed, you will have to fill out, sign, and have notarized a Power of Attorney. Your adjuster will walk you through signing a Power of Attorney to assist in transferring the title to CURE.

If your vehicle is owned, locate the title and consult with your adjuster on how to prepare the title for transfer to CURE.

How does CURE determine the value of my vehicle?
After evaluating the damages to your vehicle, CURE will reimburse you and/or your lienholder for the vehicle’s actual cash value (ACV). Actual cash value considers factors such as the year, make, model, mileage, condition, and options. CURE uses a third-party service approved by the Commissioner of Banking and Insurance to determine the ACV.

Can I keep my totaled vehicle?
If you own the vehicle, you will have the option to keep the car, but CURE will deduct its salvage value from your total loss settlement before applying your deductible. Consult with your adjuster to discuss this option further.

Am I eligible for a rental vehicle?
If you purchased rental coverage on your policy, you will be eligible to obtain a rental vehicle. Your claims adjuster will set you up with one of our preferred rental companies to arrange for a rental.

CURE will pay the actual cash value of the vehicle less your deductible directly to your lienholder or finance company. If your car’s value is less than the loan, you are responsible for the difference.

You should contact CURE’s Member Service department at 800-535-2873 to discuss how to proceed with your policy.

DECISION POINT REVIEW / PRE-SERVICE APPEALS / PRE-CERTIFICATION REQUESTS

Mail To:
Medlogix
300 American Metro Blvd., Suite 170
Hamilton, NJ 08619

Or Fax to:
1-856-910-2501

Please fax all requests for the above to 609-520-0097. Please be sure to include the claimant name, claim#, policy#, and date of loss on your request.