The only reason anyone should apply for auto insurance with NJ Cure is if they have a few points on their drivers license and no other insurance company will cover them. NJ Cure forgives two points on your drivers license but believe me, they make you pay for that. Their rates are higher than most other companies and their customer service is horrible. If you need to make a claim, they are only open during the week until 5pm. They do not return phonecalls and are extremely slow about paying their claims.