Do you live in Maryland or Pennsylvania, and you are looking for an auto insurer? Bother no more, because Cumberland Insurance is the one for you. Keep reading for a better understanding.
Cumberland is a well-known company that charges reasonable prices for standard coverage. Cumberland makes it easy for you to manage your policy and pay your bills.
Cumberland’s car insurance policies cover everything you need, as well as some extras that you might not have thought of before.
In this article, you will learn all you need to know about the Insurance company.
Table of contents
- About Cumberland Insurance
- What are Cumberland Insurance coverage options?
- Additional coverage options
- Cumberland Insurance Discounts
- Pros and Cons of Cumberland Insurance
- Cumberland Insurance Reviews
- FAQs On Cumberland Insurance Review
About Cumberland Insurance
Below is What you need about how the company started and its location.
As a mutual property and casualty insurance company, Cumberland Mutual was established in 1844. It is the oldest in the state of New Jersey.
Cumberland Insurance, which has 100,000 clients and 430 agents, strives to deliver the finest in customer service and auto coverage.
However, this has been accomplished through the acquisition of an A rating from AM Best and an A+ rating from the BBB. Cumberland also has a user-friendly website that gives a wealth of information about auto insurance.
It is also a convenient way to pay your bill and record claims online.
This Insurance Company has been in business for more than 170 years, providing insurance coverage.
In addition, Cumberland Mutual Insurance Company provides commercial and personal lines of insurance in Pennsylvania and Maryland. It includes auto and homeowners insurance policies. Cumberland’s corporate headquarters are in the New Jersey state of New Jersey.
It operates through a network of hundreds of local independent agents.
According to anonymous Glassdoor evaluations, The Cumberland Insurance Group employees score their compensation and perks a 3.5 out of 5 rating on average. Learn more about the compensation and benefits offered by the company in this article. And all other information about Cumberland insurance.
What are Cumberland Insurance coverage options?
Below are the Insurance Coverage options by cumberland insurance company;
Property Damage Liability Insurance
The cost of repairing or replacing property damaged by another person is covered by Property Damage Liability Insurance.
Insurance for property damage liability is required by law in the majority of states. Typically, it covers you if you are at fault for a car accident that causes damage to another vehicle or property. This includes a fence or building front. You will be assisted in covering the cost of repairs.
In most cases, your vehicle damage is not covered by property damage liability Insurance.
Liability coverage for bodily injury or wrongful death
This is similar to the above but different in the sense that it only covers injured victims.
Liability coverage pays for damages if the insured is found to be responsible for the injuries or death of another person.
Body injury liability coverage covers the medical expenses of those who are injured. This is as a result of an automobile accident in which you are at fault.
In the event that you are sued for damages, this coverage can also assist you in covering the cost of legal defense.
This coverage pays for medical expenses incurred as a result of injuries sustained by you. Also your passengers, or the driver of the covered automobile.
Underinsured and uninsured motorist coverage
This pays for medical expenditures incurred as a result of a collision caused by another driver. Especially a driver who does not have adequate insurance to cover all of the damages.
This Insurance pays for the cost of damage to an insured vehicle when the insured party is at fault in an accident.
This type of coverage pays for expenses incurred as a result of damage to the covered car. Damages caused by any means other than an accident. This includes theft, bad weather, falling tree limbs, and other unforeseen events.
Additional coverage options
Below are the additional coverage options by this company;
Insurance that pays for a rental car is known as Rental Reimbursement coverage. When your car is being repaired after an accident, this is extremely important.
You can get extra insurance that pays for your rental car while your own car is being repaired after a covered accident. Rental Reimbursement can be bought as an extra. You can usually keep the rental car until your damaged car is back on the road.
In addition, you can also keep it until your insurance policy runs out, whichever comes first, but it’s not always the case.
This covers the cost of towing and other roadside services if your vehicle breaks down on the side of the road.
Roadside Assistance Cover is an extra cover that comes with your Car Insurance Plan. When your car breaks down, this cover is your best friend. This assistance coverage is meant to help and pay for the costs of a broken down or disabled car.
Contacting your roadside assistance provider when your car has a problem is easy. You can do this either through an app or by calling the company’s help line. They will then send someone to help you with your car trouble.
Also, it means that when your car breaks down in the middle of the road, a professional technician comes to your aid.
If your liability limitations have been reached, you may want to consider purchasing an umbrella policy to provide additional liability coverage.
You should understand that Umbrella insurance is extra insurance that protects you beyond the limits and coverage of your other policies.
People who have umbrella insurance can get coverage for things like injuries, property damage, some lawsuits, and personal liability situations.
Cumberland Insurance Discounts
Cumberland insurance offers a range of discounts to help customers take advantage of their low rates even further.
Some discounts that you may be entitled for are as follows:
Anti-Theft Device Discount
If your vehicle is equipped with qualified anti-theft devices, you will be eligible for this discount.
First, what is an anti-theft device? An anti-theft device is meant to keep the car or any of its parts from being stolen.
It can be original equipment from the manufacturer.
Furthermore, this discount is for drivers who have taken the extra step to secure their car. The cost of your Comprehensive Coverage will go down if your car has an anti-theft device. You will also get a discount.
The truth is, most car insurance companies give a 2.5% discount on the price of the policy if the car has an anti-theft device. This discount can go up to $6.55. If your car is damaged in an accident, you can get a discount on your insurance.
However, the discount is only for damage to your car and not for the cost of third-party insurance.
Anti-Lock Brakes Discount
This discount is available to those who drive vehicles equipped with anti-lock brakes.
A common safety feature called anti-lock brakes (ABS) can save you money on your car insurance. Anti-lock brakes are standard on most cars today. Most insurance companies will give you a discount if you have them on.
This is a simple way to save money on your car insurance. Safety features can help you get a better deal.
Insurance Discount for Active or Passive Restraint Devices
If you insure an automobile that has active or passive restraint devices, you will receive this discount.
Taking advantage of the discount may be one concept that most drivers might explore while looking for ways to save money on their vehicle insurance.
Pros and Cons of Cumberland Insurance
Below are the advantages and disadvantages of this insurance company;
Here are the advantages;
- Convenient Online Account Management
- Manage your policies, payments, and claims from the comfort of your own home.
- Cumberland offers competitive car insurance rates that are lower than the national average.
- A+ rating from the Better Business Bureau rounds out the list of top-rated services.
Locations are limited. They are only available in Maryland and Pennsylvania.
PS: more pros and cons will be shown below (they are from online reviews).
Cumberland Insurance Reviews
Some of These reviews were collated from glassdoor.com, while others are random reviews from different people.
From a current employee.
”Great company to work for”.
“I had someone hit me at a stop light and run away. I did a police report, etc. then the next day called Cumberland. The lady who I talked to couldn’t have been nicer! They sent out the adjuster within 2 days and I got my check in a few days. It was easy, and really took the stress off me”.
“I have had two claims with this company, both of which were not my fault. (Hit by other drivers). The customer service was excellent both times, the agents/adjusters easy to deal with. I have good coverage and am very happy with this company”.
A concerned citizen.
“This company is nothing but a scam. They send out third party adjusters that do not know up for down. One told me that my walls are leaking water…. my walls are 100% dry. This company is only out to get a monthly paycheck from people, not actually help them”.
“If you are looking for a high profile, fast-paced environment like you may find in a city work environment, this is not your place. I have worked in the city in the past and found the atmosphere to be exhilarating and exciting. After living that lifestyle, I have found MUCH more value in the small-town atmosphere of Cumberland and the immense way that they value their employees (as opposed to being “just a number” at a larger employer)”.
If you like easy online insurance management, low prices, and discounts, Cumberland is a great place for you. Their website is easy to use, so you can manage your policies, report a claim, and pay your bill.
Their high ratings with AM Best and the Better Business Bureau make them a financially strong company that has great customer service.
Unfortunately, if you don’t live in Pennsylvania or Maryland, Cumberland isn’t able to help you. We think you should look into other insurance options in your area. Check to see if they can give you a discount or cover you for a fee.
FAQs On Cumberland Insurance Review
How do I reach Cumberland Insurance Agency?
Filing a claim is easy to do.
- In person: https://www.cumberlandmutual.com/report-a-claim-3
- The phone number is 1-800-232-6992.
Is The Cumberland Insurance Group a good company to work for?
The Insurance Group has an overall rating of 4.1 out of 5. This is based on over 8 reviews left anonymously by employees. 73% of employees would recommend working at The company to a friend.
Also, 57% have a positive outlook for the business. This rating has improved by 4% over the last 12 months.
How do I become an agent?
Please submit a become an agent form here
Will I be notified of each installment withdrawal?
After your enrollment is processed, you will receive one notice explaining future payment amounts and dates.
If you select either the semi-annual or quarterly payment plan options, you will receive a withdrawal reminder prior to each installment being withdrawn.
Where can I find my policy number?
Your policy number is located on the top of your policy declaration and invoices