If I could give it, 0 STARS, I would. Watch out for this company. They are the worst insurance provider I've ever dealt with. When I applied for coverage online, they gave me a prorated rate. Since insurance companies can electronically check your driving history, I expected the quoted price to be accurate. Instead, in the second month they sent me a notice saying my policy would increase. The following month, they raised my payment by almost $150. I decided to cancel, but when I did, they told me they had taken a prorated amount from the second month and added it to the month I was canceling. Because of this, I didn't receive a refund for the full amount I had already paid. None of this was stated in any written document--only explained verbally after the fact. Avoid this company at all costs. read more

Unreasonable Driver Removal Policy I contacted Elephant Insurance to remove two of my adult children from my auto policy. One is moving to Washington, DC and will be using public transportation, and the other is living in Europe for the year. Neither drives or needs auto coverage. Elephant refused to remove them unless I could provide proof that they have insurance with another provider. This is an unreasonable and blatant premium-retention policy that forces customers to pay for unnecessary coverage. I was also told this practice is approved by the State of Virginia, which is difficult to reconcile with its clearly anti-consumer impact. Given this, my only option is to cancel my policy. I would not recommend Elephant Insurance. For additional context, prospective customers should review the company's BBB complaint history: https://www.bbb.org/us/va/richmond/profile/auto-insurance/elephant-insurance-services-llc-0603-63394765/complaints?page=1 read more

theywill not even cover my broken windows and busted wheel for total fake reasons. now i have to get an independent appraiser and fight them

I was rear ended by one of their clients 9/30/25. I dropped my car off for repair 10/1/25. It's now 11/17/25, and I still don't have my car back. Obviously a rental car was needed, and while speaking with the person from elephant that I would be reimbursed in full. But they wanted me to get a rental from Hertz in Pikesville, MD which is about an hour away, does this make sense? The answer is no, but would be fully reimbursed. To be safe I opted for the CDW coverage only to find out today, they don't pay for that. That's fine, but why wasn't I told about that? Moral is, they lied. To be expected by an off brand insurance. 48 days tomorrow I've been without my car due to ELEPHANTS CLIENT SLAMMING INTO ME CAUSING 10K IN DAMAGE! BE CAREFUL, THESE PEOPLE ARE ROBBING YOU BLIND, CHANGE YOUR INSURANCE! read more

As a person who deals with insurance companies and orders parts for customer's vehicles daily, Elephant is amongst the worst. They do not honor their original, approved estimates for the repair shop or the customer. They continuously change estimates throughout the repair process in order to save the company money. So imaging getting an approved estimate for all original equipment parts: headlamps, bumpers, brackets etc. and after the parts has been ordered and installed, the estimate is changed to a used or aftermarket parts that now show to be available after the fact, and it is always a 50/50 that they chose the correct part. They constantly go back on their word. I can not stand when any company do this. Car insurance is a scam read more

in Texas over the last two years, auto insurance companies have been more than doubling premiums I know for a fact, in my case, I have no accidents no speeding tickets and I was with one company for 12 years until this tripling of premium came in to play After a very frugal friend mentioned, elephant insurance, I decided to give them a call to sign up and sure enough the premium was at a substantial savings Until the time of renewal, six months elephant insurance attempted to more than double my premium for no reason! They use the same excuse as all the other insurance companies were using " This is all across the board." Though I spoke with several of my neighbors and customers and questioned if their insurance went up and they said no! So rather than being hijacked once again, I told elephant insurance I'm going to have to cancel the policy and move on at which point the very rude agent told me since I changed vehicles at the beginning of the policy I did not pay my $369 change vehicle fee? I replied, that was never mentioned if so, I would've paid it the very rude agents reply well then we're just going to send this to collections and they did? it sounded more like to me that I was being hosed because I was quitting their company the $369 fee was never mentioned when she was trying to lower the premium for me to stay on board the insult of saving me $11 wasn't enough to keep me on board so I guess they figured they needed to get money out of my pocket another way? read more

Elephant Insurance - Stay out of collections with this company they be dirty - Home & Rental Insurance Near Me - Richmond, Virginia

bad service never gives service but keep on adding premium even after years of experience

Elephant insurance is absolutely horrible to work with. Their customer service is not available and conveniently closed during business hours and you cannot edit your information online to cancel your policy. They make it virtually impossible for you to cancel your autopay. Further, my rate doubled at renewal though I had no tickets, no accidents nor change of address. There were no changes, yet it doubled! Now, I know what Jaime M. (customer service chat bot) is going to say,: "We are sorry to hear that you are dissatisfied. We would like the opportunity to discuss your policy with you and ask that you please email us at CustomerCare@elephant.com with a phone number and good time to reach out to you. If you would prefer to call us directly please contact us at 1-877-218-7865. We look forward to your email." However, Jaimie M, the telephone number you will provide for customer service is always closed and I cannot cancel through your email, so your response will be useless. --Norma Lewis read more

If I could give zero stars I would. They have been horrible to work with regarding an auto claim. They already made the decision not to cover our vehicle, before they even saw the police report. read more

Title: A Nightmare Experience with Elephant Insurance Rating: Review: Where do I even begin with Elephant Insurance. My experience with them has been an absolute nightmare from start to finish and it's not near completion. I would strongly advise anyone considering their services to think twice before making that costly mistake. First and foremost, their customer service is beyond atrocious. Every time I called their helpline, I was met with long wait times, unhelpful representatives, and a complete lack of empathy. It felt like I was talking to robots who were programmed to give me the runaround rather than offer any real assistance. I was met with constant delays and bureaucratic red tape. It seemed like Elephant was actively trying to avoid paying out any claims. They have acted in faith. I would suggest anyone having an issue with them call the department of insurance and file a complaint. Even when I managed to jump through all their hoops and submit all the required documents, their claims process was excruciatingly slow. It took 57 days for them to deny my claim. Meanwhile, I was left to deal with the financial burden on my own, which defeats the very purpose of having insurance in the first place. Furthermore, their coverage was severely lacking. The policy I purchased promised comprehensive protection, but when it came time to make a claim, I found out that they had numerous loopholes and exclusions buried deep within their policy documents. It felt like they deliberately misled me into believing I was adequately covered, only to find out otherwise when I needed it the most. To top it all off, their premium rates were exorbitant compared to other insurance providers in the market. I foolishly believed that paying a higher premium would guarantee better service and coverage, but XYZ Insurance Company proved me wrong. I paid a small fortune for a policy that ultimately left me high and dry when I needed it. In summary, my experience with XYZ Insurance Company has been an absolute nightmare. Their abysmal customer service, endless delays, lack of transparency, and inadequate coverage make them a company I strongly advise against doing business with. Save yourself the headache and look elsewhere for insurance options.? My experience with them has been an absolute nightmare from start to finish. I would strongly advise anyone considering their services to think twice before making that costly mistake. First and foremost, their customer service is beyond atrocious. Every time I called their helpline, I was met with long wait times, unhelpful representatives, and a complete lack of empathy. It felt like I was talking to robots who were programmed to give me the runaround rather than offer any real assistance. When it came to filing a claim, I was met with constant delays and bureaucratic red tape. It seemed like XYZ Insurance Company was actively trying to avoid paying out any claims. They requested an excessive amount of documentation and constantly asked for unnecessary forms to be filled out, all in an effort to frustrate and discourage policyholders. Even when I managed to jump through all their hoops and submit all the required documents, their claims process was excruciatingly slow. It took weeks, if not months, for them to process my claim. Meanwhile, I was left to deal with the financial burden on my own, which defeats the very purpose of having insurance in the first place. Furthermore, their coverage was severely lacking. The policy I purchased promised comprehensive protection, but when it came time to make a claim, I found out that they had numerous loopholes and exclusions buried deep within their policy documents. It felt like they deliberately misled me into believing I was adequately covered, only to find out otherwise when I needed it the most. To top it all off, their premium rates were exorbitant compared to other insurance providers in the market. I foolishly believed that paying a higher premium would guarantee better service and coverage, but XYZ Insurance Company proved me wrong. I paid a small fortune for a policy that ultimately left me high and dry when I needed it. In summary, my experience with XYZ Insurance Company has been an absolute nightmare. Their abysmal customer service, endless delays, lack of transparency, and inadequate coverage make them a company I strongly advise against doing business with. Save yourself the headache and look elsewhere for insurance options. read more

Elephant operates like they stepped into a bold new world - arriving from 2001. We should not be surprised since their namesake is a perfect description of their business model. Large, smelly, and will crush you if given the chance. I had Elephant for a few days before I read some of the underwriting, and ooh boy that's some sketchy stuff, even for an insurance company. So naturally I cancelled, and Elephant is not lying when they say they will get your funds back to you in 7 to 10 business days. Apparently these folks don't understand how escrow works. They probably need the money more than I do, but all other reputable insurance companies actually manage the refund aspect and get it off their books pretty quickly. This tells me that I made the right choice, as a claim would have been an absolutely abysmal process. Also, just for general contact, the wait times on a Tuesday afternoon are quite long, in excess of five minutes. Friday must be virtually impossible. In short we have: Overpriced, understaffed, mediocre policies. Avoid unless these folks are an absolute last resort. read more

Have been paying my bills. but got denied coverage when my car had a fire incident. Falsely claiming that my car was not garaged in my state because it was sighted in a different state. read more

If I could give negative stars I would. They are thieves. They are difficult to work with if you have a claim especially if not your insurance. The drag their heals. Took over 8 months to get them to pay for my repairs Segue every step of the way. Would not honor a diminished value and then almost a year later came up with a settlement and then withdrew it. Finally got a measly amount for a 2020 BMW. If I'd had the time should have sued read more

I have spoken to Todd the head of the claims. They have quoted half the hourly cost of the current market labor rate. Grossly under paid the cost to recondition and completely missed the cost of the replacement parts. Elephant is a poor excuse for insurance. I fully expect this to end in a BAD FAITH settlement. #badfaith #elephantripoff I have been insured for several years with elephant and thought they were the best. Now I have a claim and it has been the worst experience. The very first conversation with my adjuster she stated they will not fix my car as it is 5 years old. That is odd because I have full coverage and they knew the age of my car when they sold me the insurance. I spoke to the field adjuster and we agree on the correct way to repair my car, but he refuses to authorize the repairs needed to return my car to the condition it was in prior to the a accident. I have a very low mileage BMW that has been lovingly cared to with all of its maintenance completed early. I have filed a complaint with the State and we will see how this is settled. I will not be renewing my policy. DO NOT USE ELEPHANT THEY WILL TAKE YOUR MONEY AND NEVER REPAIR YOUR CAR CORRECTLY. read more

Elephant Insurance - Home & Rental Insurance Near Me - Richmond, Virginia

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The absolute worst experience I see why their insurance is cheap. One of their clients hit my car. I should receive a payroll check because I did all the coordinating from the auto body shop to the rental car place and had to argue with them people to pay for all this and extend the rental car since they were debating with the body shop on what they would cover. I had a recording as proof that their client hit my parked car. We happened to catch the guy as he was adjusting his vehicle which by the way caused more damage like damn common sense would tell you if you hit someone you should stop not keep bumping down the side of the vehicle it was in a parking lot so it wasn't as though he needed to slam brakes to keep from causing more damage. If I ever consider leaving my insurance it surely won't be to go to them. read more

If this company isn't engaging in OUTRIGHT FRAUD, it has the SHADIEST and LEAST ETHICAL business practices of any any insurance company I've worked with in the 24 years I've had auto insurance--and I had some truly terrible insurers when I was a teenager/young adult. Easy to sign up/start policy, but rates are high and company is difficult to work with when you actually need to use your insurance for the first time in 2+ years. Forced us to use a rental car company we've never had a good experience with when the car had to go into the shop for three-week minimum body repairs, and claims adjuster Barker has now demanded the rental car be returned one week later because the body shop couldn't immediately assess the full extent of the damage during a local pandemic surge that coincided with the last week of the year--which is when most people use their vacation time. Refuses to extend coverage even once body shop sends the paperwork today. Also, while other reputable insurance companies were rebating customers during the pandemic closures because there was literally nowhere to go, Elephant didn't so much as make a token gesture. Shady business practices that, frankly, make me wonder whether my husband is being taken advantage of because of his disability. (Sadly, it happens a lot, especially over the last year.) As we have only one car, we will now be out the cost of rideshares to get my husband to/from work for the entirety of the repairs. And since we may not be able to continue to afford that, there's a chance my husband may have to call in for the better part of a month at a time when the average person is least able to afford that. This begs the question: what good is insurance that doesn't cover what the policy said it would cover in the first place? 0/0 Do not recommend. The one-star rating I was forced to give this company in order to leave the review is far too generous. Do not walk, run away from this company, since they will charge you a fortune for "full coverage" that is unlikely to be there for you when you file a claim for body work after a hit-and-run--even when you're also paying for uninsured/underinsured motorist. read more

This Insurance company is a joke if you wreck your car don't expect them to fix everything the third-party adjusters are a joke and take months plus to top everything off... They called the body shop and ask if I am in a rental? But prior denied me a rental because it would take too long for repair lol read more

I have had insurance with this company for several years .... but IT NEVER FAILS ...every year on renewal they put your premium up and ASTRONOMICAL AMOUJT AND TAKE IT OUT OF YOUR ACCOUNT IF YOU ATE ON AUTO PAY - only for them to "review" your policy to find how they can save you hundreds and hundreds of dollars for the next premium..... really ???? We are in a pandemic and you continue to play games with ppls $$ Terrible customer relations I should have read the reviews read more

Looked around for 3 days for rates came to elephant had the best rates on the auto insurance I'm happy to give him five stars thank you elephant insurance apostle Jeff R. new with elephant insurance. insure my tundra pickup 12-29-2023 read more

Elephant Insurance is an ok company if you do not have any problems. Once you file a claim, beware. There were lies told to me from every dept. I was even called by the tow truck driver and he said he would be at my home to pick up my vehicle in an hour. 3 hours later,still not here. I called the casualty department and spoke with Johnathan L. He lied as well. First over when I would get pay out so I could purchase another vehicle, then lied when he told me I didn't talk to him that I talked to someone else. I am just saying they are an ok company if you don't have any problems. When you do, beware. read more

I have been with Elephant for almost 4 years. I don't discount the other reviews, but they were pretty good to us. My husband has had a wreck a year and they always took care of things efficiently. Customer service was pleasant and did their job. We were hit by another car, full speed at an intersection last year and after that our rates did go up off the charts. I wasn't shocked, but I can get better rates even with the former accidents and so we are moving on. I suggested it to a family member and she hasn't had any accidents so far, so the price is right (even for a young driver). read more

Awful company insure with. Hard to get someone on the phone, rates start off decent but quickly turn awful. Save your money and go to someone more reputable. read more

We had our 3 cars and house insured with elephant insurance and we just left....This company is totally unprofessional. Poor And rude Customer service. Poor responsiveness. Car insurances increased by 20% and house insurance increased by 30% without any reason....excepted we had more issues in Texas. They don't care if you leave....just the worst experience. We will never come back...this company is just horrible. read more

Adding an extra star. After the whole initial fiasco of dealing with this awful insurance co., I found one lady who was extremely helpful. That said, she basically informed me this was a personal choice and was not really encouraged by the company. So essentially the company is still awful... they just get lucky every so often with a helpful employee! read more

Customer service is EXCEPTIONAL! They always respond in a timely manner, very personable yet professional! #TheHerd read more

My BMW, Chevelle and home was damaged by our neighbor who lost control of their van and crashed into our driveway. We filed the claim with their insurance(Elephant) have yet to see an adjuster (Dara Harris) or receive a call from their company and this occurred going on a week ago. We have called numerous times, my insurance has called them as well. Incredibly disappointed with them as I'm looking at potentially a totaled vehicle. Avoid. Dont ask me to email your customer claims dept generic manager response. Give me results. read more

Elephant Insurance - Home & Rental Insurance Near Me - Richmond, Virginia

Letter I sent to Elephant Insurance I became a customer with Elephant Insurance on August 2018 and to be honest I am not having a good experience at all with your company. The first incident, I hit a rough patch and was a little late on making my monthly payment and my normal payment of 111.55 jumped to 156+ dollars, in spite of me contacting you ahead of time and requesting an extension. I made my payment a few days after my payment date when most Insurance companies give you a 10 day grace period. Second incident I needed to utilize the roadside assistance I purchased with you this morning and it took 3 calls and 5 hours total for someone to come. There was no one on Elephants side attempting to take accountability and followup to see if our issue was resolved, nor track the vendor to see if they arrived. I ended up having to call a Lyft to take me to work. I feel that my Family could have easily been stranded on the side of the road, and it would not have made the least bit of difference to Elephant Insurance as long as they got their payment ON TIME. I switched from a company I was with for 5 years and switching again won't make me a bit of difference. I am a person that is big on doing reviews because I know how important feedback is whether it is good or bad, and this will be posted. read more

Stay away from the Elephant Insurance. One of the worst company - Everyone please remember this is the reason they do not have Google review account because they know if they have it their rating would be worst on google review. I am an insurance agent with access to sell Elephant policy - the claim team Morgan Smith - would not answer phone calls or emails. This has been going on for last 2 weeks. Someone from the claim team mentioned that the vehicles has been checked out at the body shop and just waiting for an estimate. In reality no one even bothered to go to body shop. All my policies are being transferred to new carrier to protect my clients. STAY AWAY STAY AWAY STAY AWAY. read more

The absolute WORST SERVICE in the world!! They are great at taking your money and their web-site makes it easy to pay but if you ever have a claim you will NEVER get them to call you back. We have five vehicles on Elephant and have been waiting for over ONE MONTH to get a claim resolved. DO NOT GO WITH ELEPHANT INSURANCE - you'll regret it. - Mike Barry, Austin TX read more

Tried to get homeowners and auto insurance. I was very specific of all the coverages I wanted. Jumped through hoops and had to send pictures of my cars and vins only for them to come $200 higher than my current insurance company. Some other logistical errors came up in the whiting process as well. Seemed flippant when I said the initial quote didn't match what their final price was. Avoid and stick with the big insurance companies! read more

This is the worst insu company I've ever had the displeasure of working with for my auto insurance needs. DO NOT give them access to your checking account to pay your monthly premium. They will double charge you and make it hard for you to call and cancel it because you can't use the online portal. I had to call three times before the automatic withdrawal was stopped. I was in a minor fender bender that cost less to repair than my six-month premium they jacked up my rates by $500. Their claims professional wasn't helpful and made the process more complicated than it needed to be. Elephant has contract with Hertz, the worst rental car company. It was a nightmare dealing with them and the lowest-tier rental they had despite my policy clearly including paying extra for a like-model rental. Avoid this company and go with a better one. It's a scam and the coverage is expensive and not worth the hassle. read more

I'm going to make this real short and simple... These people are the epitome of cluelessness, emptiness and downright incompetence. God help you if you are involved in a claim with Elephant Insurance as you will get the runaround like you've never experienced. They will do EVERYTHING they possibly can to delay and, more often, deny your claim. I'd rather have no insurance than be associated with Elephant Insurance. Absolute garbage in every way. read more

Take forever to get to your claim. Interest accrues on your loan. Low ball the value of your new car. Interest accrues on your loan. Fight for months trying to get in touch with the claims adjuster. Interest accrues on your loan. Don't use Elephant auto insurance. Interest accrues on your loan. read more

Signed up with Elephant about a month ago and now just sent me an email and are saying that my rate is going up, because the car fax report came in and the value of my vehicles are higher. Total crap!!! Lousy service. read more

trash and fraudulent company illegally tried to continue my coverage after i canceled and tried to bill me for it. do not use them for your insurance you will regret it read more

A client from elephant insurance drove straight into me while I was stopped, my 3 kids were in my mini van. When it came time to provide me a rental car they refused to pay for a car big enough for 3 car seats. I am very disappointed that they are only doing the minimum required. I was told by the adjuster if I want anything bigger than a Camry I will be responsible. I did not ask for them to provide new car seats, I have been very reasonable. Very disappointed, this is not a company I would give my business to read more

Well, I was excited when I first signed up with Elephant, which had a paid in full annual rate just slightly more than my 6-month premium anywhere else, nearly cutting my monthly insurance bill in half. I did wonder if this might reflect some financial backing or customer service issues with a claim, but since I just have PPL for my $1000 car, I figured it wouldn't ever really matter to me. So, for my birthday, I drove to the state where I went to school to visit some friends. While there, I discovered that my rear differential had fallen apart. Since it wasn't safe to drive back, I had to buy a replacement beater. In order to get a temporary tag in order to drive it back home, I had to have insurance. Easy, I thought. I'll call Elephant and swap one truck out for the other. I called Elephant and it was the worst hassle, ever, resulting in my canceling my policy. Basically, they told me that they don't do insurance in Michigan, so they couldn't add this vehicle because it was titled in Michigan. Uh....no. Yes, I bought the car out of state. In order to get it to my home state for registration and titling, it has to have insurance. This is not uncommon. It is easily managed by every other insurance company. One doesn't have to buy insurance in every state through which you travel: you buy it in your home state and go. But they just couldn't figure it out. The fact that it was a new sale indicated on the title, with my home address indicated on the title, for a resident in VA....boggled their mind that it was coming from somewhere else. Never have I ever. I asked for an underwriter to call me back on Monday, since, hey, these are just lackies on the phone and don't know anything about insurance. I was told there was no way for them to request a call back to me. Uh, what? You have no mechanism for a follow-up with an insured? Ok, so if they are this inept, then it's too scary to be insured with them. I went with the other company who immediately insured the vehicle, fully understanding the situation - as any competent company would do. read more

This insurance company needs to be sued. No representatives to actually set up a policy when you start. You do everything online. So I had a car in my name, and put the policy in my son's name since he was driving it solely. No agent to say hey that won't work. Also this car was a replacement for another car and it needed repairs so it wasn't driven for a couple of months. Elephant knew the previous car was no longer in use, but no one called to say hey you need to get your new vehicle on the policy in a certain amount of days, and we were still paying the policy. Well we missed that deadline by days when my son was in an accident a year ago due to ice on the roads and another car hit him. Now we have been harrassed by collection agencies for 11,000.00 for a year and my son and me are both going to get our licenses suspended if we don't pay. It's been a year of hell because of this POS insurance . Just because they are cheap, don't go with them. You get what you pay for which is nothing but financial ruin. read more

This is the worst experience i have ever had with a insurance company. This company refused to pay for anything and told me its like i never had insurance and returned my all premiums back to me when i had a open claim. If i was you i would go with a bigger company and read the fine print read more

AVOID THIS COMPANY AT ALL COST! They have avoided paying out on our total loss claim for over 2 MONTHS! They avoid our phone calls and refuse to respond to our emails. They have provided the WORST customer service I have EVER experienced. We reported them to the BBB and hope that everyone else who has had this issue will do the same. read more