Elephant Insurance Policies and Agents Elephant operates on a direct-to-consumer business model (no independent agents), in order to pass savings to customers. However, car insurance shoppers who desire the personal touch of an insurance agent to help them manage their policy and choose coverages should choose an insurer—such as State Farm—known for its network of agents. Geography of Operations While the company just started out in America in 2009, Elephant has its roots in the Admiral Group, one of the United Kingdom's largest insurers. Here in the U.S., it underwrites car insurance in six states: Virginia, Maryland, Illinois, Texas, Indiana and Tennessee. Elephant Auto Insurance Claims Process and Repair Assistance Elephant insureds can choose to have their damaged vehicles repaired at any auto body shop, but for those who don't have a preference or don't know of any repair shops, the company has a list of prequalified recommendations you can choose from. You're under no obligation to have the car repaired with them, though, as Elephant can simply issue a claims settlement check directly to you. Elephant Insurance Windscreen Replacement Windshield or glass claims with Elephant are handled by its express glass service, which includes a network of repair shops that are available to get you back on the road as quickly as possible. Glass repair claims are covered by comprehensive and collision insurance, though the cost of your windscreen replacement—which is usually a few hundred dollars—may be less than your deductible. If this is the case, you will end up paying out of pocket for the full cost of glass repairs. Urgent.ly Roadside Assistance Elephant is partnered with Urgent.ly, a company with a modern approach to roadside assistance. Urgent.ly lets customers track—in real time—the location of its roadside assistant drivers. This is a service that comes free with the purchase of roadside coverage from Elephant. Accident Forgiveness Elephant offers what's known as accident forgiveness, which guarantees that rates won't go up after an at-fault accident. This program is available to all customers after they have had an Elephant car insurance policy for a few years. Diminishing Deductible Those who have comprehensive and collision insurance through Elephant have the option to enroll in the diminishing deductible program. Those enrolled in this program will see their deductible reduced by $100 each year they are accident free. Gap Insurance Elephant provides protection for so-called underwater car loans, known as gap insurance, where the value of a car is less than the balance of the loan amount. This is helpful when an accident or event depreciates the value of a car, but the payments you make on the underlying asset are still overvalued. Elephant only provides this coverage after both comprehensive and collision insurance have been purchased, and for cars with loans held by banks. About the Elephant Auto Insurance Company The Elephant Auto Insurance company started operating in the United States in 2009 as a subsidiary of its parent company, the Admiral Group, an insurance company based in the United Kingdom. Elephant's U.S. headquarters are based in the Innsbrook area of Greater Richmond, Virginia’s Henrico County. Other vehicles insured by Elephant are ATVs, collector cars and motorcycles. In addition to car insurance, the Elephant Insurance company also sells property insurance for homeowners, renters and condo owners. Elephant's name is meant to allude to the protective and inclusive attitudes of elephants to members of their herd. The elephant theme permeates the culture of the company; Elephant even refers to its customers as its herd.
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