Who pays and how to start
CURE is the name used by Citizens United Reciprocal Exchange, which sells auto insurance in Michigan, New Jersey and Pennsylvania. Under Michigan’s priority rules, CURE usually pays your PIP benefits if it insures you, your spouse or a relative who lives with you. Fault does not decide which company pays. See which insurer pays.
Use the company’s full name, Citizens United Reciprocal Exchange, on your application and on any lawsuit. Check your declarations page to confirm it.
How to report a claim to CURE
CURE’s claims page lists these options and says claims support is available 24/7 for Michigan drivers:
- Online. The page’s report-a-claim form, or My Account.
- Mobile app. The CURE app.
- Phone. The page lists claims at 800-229-9151.
The same page lists roadside assistance at 866-522-1991 and customer service at 800-535-2873. Official claims page: www.cure.com/claims. Reporting the crash opens a claim number. It does not replace the written application for benefits.
Michigan steps that apply to every insurer
- Application for benefits. Complete and return the insurer’s application. It gives the written notice MCL 500.3145 requires: your name and address, and the time, place and nature of the injury. See no-fault forms.
- Wage and household forms. Send employer wage verification and disability slips for wage loss, and daily logs for replacement services.
- Reasonable proof. Under MCL 500.3142, PIP benefits are overdue if not paid within 30 days after the insurer receives reasonable proof of the fact and amount of the loss. Overdue benefits earn 12% interest a year.
- One-year rules. Give written notice within one year of the crash unless the insurer has already paid. A lawsuit recovers only losses incurred in the year before it is filed, with that period tolled from a specific claim until the insurer formally denies it. Use the deadline calculator.
If payments stop, read what to do when benefits are denied.
If CURE says your policy is void
Each of the recent appellate decisions below involved CURE trying to rescind a policy: cancel it back to the start, as if it never existed, because of a misstatement on the application. Common grounds are who lived in the household, who owned a car, and where a car was kept. Insurers have to show the misstatement was material to the coverage at issue, and when the person hurt didn’t make the misstatement, Michigan courts weigh the equities before letting rescission reach them. The answer depends on the application, the underwriting file and who is claiming. See fraud claims and policy rescission.
If you get a rescission letter, keep it, don’t sign anything returning premiums until you understand what it does to your claim, and send written notice to any other insurer that might owe benefits, including through the Michigan Assigned Claims Plan, before the one-year deadline.
Michigan appellate decisions involving CURE
These are no-fault decisions in which CURE was a party. Each one turned on its own facts and issues. Unpublished Court of Appeals opinions are not binding precedent under MCR 7.215(C)(1). The summaries are ours and leave out much of each court’s reasoning; the links go to the opinions on the Michigan courts’ website. Case status checked on the courts’ dockets October 25, 2026.
- Estate of Bellamy v Citizens United Reciprocal Exchange, Michigan Court of Appeals No. 371648, November 17, 2025 (unpublished; reconsideration denied December 26, 2025). Read the opinion. The court affirmed rescission based on an innocent misstatement about household members. It held that a survivor’s claim was derivative of the insured’s, so the equitable balancing test for innocent third parties didn’t apply, and remanded for the trial court to decide whether premiums had been refunded.
- Citizens United Reciprocal Exchange v Witt, Michigan Court of Appeals No. 373487, May 5, 2026 (unpublished; reconsideration denied June 29, 2026; CURE’s application for leave to appeal is pending in the Michigan Supreme Court, No. 170506, as of October 25, 2026). Read the opinion. Summary disposition against CURE was affirmed. The court held that CURE had not offered admissible evidence that a misstatement about ownership of one car was material to the collision coverage on a different car, so the policy was not void as to that car.
- Estate of McWilliams v Citizens United Reciprocal Exchange, Michigan Court of Appeals No. 372997, May 14, 2026 (unpublished). Read the opinion. The court vacated an order that struck CURE’s rescission defense as a discovery sanction, finding the sanction too harsh for the violation, and sent the case back for further proceedings.
Report the crash to CURE, then send the written application for benefits and keep a copy. If CURE denies benefits or says the policy is void, call us before the one-year deadline. The review is free, and there is no fee unless money is recovered.
Sources: MCL 500.3114, 500.3142, 500.3145 and 500.3148; MCR 7.215(C)(1); Estate of Bellamy v Citizens United Reciprocal Exch (Mich App, unpublished, Nov 17, 2025, No. 371648); Citizens United Reciprocal Exch v Witt (Mich App, unpublished, May 5, 2026, No. 373487); Estate of McWilliams v Citizens United Reciprocal Exch (Mich App, unpublished, May 14, 2026, No. 372997); CURE claims page (www.cure.com/claims), reviewed October 25, 2026.
Grove & Associates is not affiliated with CURE (Citizens United Reciprocal Exchange). Company names are used only to identify the insurer.
Questions people ask us
How do I report a claim to CURE Auto Insurance?
CURE’s claims page says you can report a claim online, through My Account or the CURE app, or by phone at 800-229-9151, 24 hours a day. Reporting opens a claim number. In Michigan, you still need to send CURE a written application for no-fault benefits within one year.
Do I file my PIP claim with CURE if the other driver was at fault?
Only if CURE is first in priority under MCL 500.3114, usually because CURE insures you, your spouse or a relative who lives with you. Your claim against the at-fault driver for pain and suffering is a separate claim against that driver’s insurance.
CURE says my policy is void. What does that mean?
The insurer is trying to rescind the policy, usually by saying the application misstated who lived in the household, who owned the car or where it was kept. Michigan courts have limited when rescission can be used, especially against injured people who didn’t make the misstatement. Have the decision reviewed before accepting it.
What happens if CURE does not pay within 30 days?
Benefits not paid within 30 days after the insurer receives reasonable proof are overdue and earn 12% interest a year under MCL 500.3142. If a court finds the delay or refusal unreasonable, MCL 500.3148 lets it award attorney fees as well.
