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Eric S. Poe, ESQ., CPA
Eric S. Poe (born August 19, 1971 in Lexington, Massachusetts), is an American entrepreneur, certified public accountant, attorney, insurance executive and advocate of consumer and physician rights. Poe earned his Bachelor’s degree from University of Colorado Boulder in Accounting and Finance in 1994. He later attended Seton Hall University School of Law at night, earning his juris doctor degree in 2002. He is a member of the New Jersey bar.

Career
In 1994, Poe joined Citizens United Reciprocal Exchange ("CURE Auto Insurance") where he is now the Chief Operating Officer. Poe also serves as the Creative Director of CURE’s television commercials. He also serves as Chief Marketing and Business Development Officer and Chief Litigation Officer at NJ Physicians United Reciprocal Exchange (“NJ PURE”), and as a Principal of Silver Rock Risk Solutions. Poe is the owner of The Law Firm of Eric S. Poe, Attorney at Law.

Fight against Discriminatory Auto Insurance Practices
Poe has been active in fighting the insurance industry practice of the utilization of credit scores, education, and occupation in auto insurance rates. Poe testified before a legislative subcommittee regarding a proposed bill that would ban the use of education, occupation and credit scores for auto insurance rate setting in New Jersey. Poe has worked with legislators in other States, such as Michigan, Florida, North Carolina, and New Hampshire, to end the use of credit scores in auto insurance underwriting. He has also championed this issue on the federal level with the Congressional Black Caucus and the National Association of Insurance Commissioners to propose the Auto Insurance Income Discrimination Act, which he authored, and was quoted by the Florida Insurance Commissioner when he testified before the National Coalition of Insurance Legislators on the use of credit-based insurance scores.

Mr. Poe has testified on discriminatory rate setting practices twice before the United States House of Representatives (2008 and 2020) in Washington D.C., and a combined five times before the New Jersey Senate and Assembly, the Florida Office of Insurance Regulation, and the New Hampshire Legislature as well as before the National Coalition of Insurance Commissioners.

Combating Insurance Fraud
Under Poe’s leadership, CURE and NJ PURE have taken aggressive stances on insurance fraud, both in the first party context (i.e., application or claims fraud) as well as in the third party context (i.e., provider fraud, particularly in the auto insurance context). Poe himself has argued several of the appeals brought on behalf of CURE or NJ PURE, particularly on issues of insurance fraud and permissive use.

◾    Citizens United Reciprocal Exchange v. Perez (N.J. App. Div.) (Sept. 13, 2013)( https://scholar.google.com/scholar_case?case=3300148943205861419 )

◾    Citizens United Reciprocal Exchange v. Perez (N.J. Supreme Ct.) (Mar. 3, 2015)( https://scholar.google.com/scholar_case?case=7690829208587216535 )

◾    Citizens United Reciprocal Exchange v. Brown (N.J. App. Div.) (May 22, 2015)( https://scholar.google.com/scholar_case?case=3108634618337630817 )

◾    NJM Insurance Company v. Fermin (N.J. App. Div.) (Jan. 25, 2016) ( https://scholar.google.com/scholar_case?case=4684225919862878227 )

In the Supreme Court of New Jersey decision of Citizens United Reciprocal Exchange (CURE) v. Perez, Poe successfully argued on behalf of CURE, and the Court declared that an insurance company cannot be liable to an innocent third party who files a claim against a policy that is subsequently rescinded for fraud, for more than the party would be entitled to had the policy not been rescinded.

In 2015, at Poe’s direction, NJ PURE applied for and was granted amicus status in the landmark New Jersey Supreme Court Case DeMarco v. Stoddard, which held that a medical malpractice insurance carrier was not liable for a fraudulently obtained policy.

Physicians’ Advocacy
In 2015, Poe submitted comments to the New Jersey Supreme Court Civil Practice Committee regarding needed changes to the Offer of Judgment Court Rule, which would result in more efficient and just medical malpractice trial court proceedings. The Supreme Court Committee formed a subcommittee to address Poe’s comments and concerns.

Family and Interests
Poe resides in Newtown, Pennsylvania with his two daughters and son. A fitness, nutrition and music enthusiast, Poe also is active in local charities, particularly with Capital Health.