Auto insurance coverages
Elephant offers many auto insurance coverage options to protect you, your car and others. So you can choose the car coverage that’s right for you. Select from options including Bodily Injury and Property Damage Liability Coverage, Comprehensive and Collision Coverage, Rental Reimbursement, Roadside Assistance and more.
What are the auto insurance coverages?
Bodily Injury and Property Damage Liability Coverage
Bodily Injury, commonly referred to as BI Liability coverage, covers other people’s bodily injuries if you are at fault in a car accident. It also provides for a legal defense if another party in the accident files a lawsuit against you. Claims for bodily injury may be for such things as medical bills, loss of income, or pain and suffering.
Property Damage covers you if your car damages someone else’s property. Usually, it is another car, but it could be a fence, a house, or any other property damaged in an accident. It also provides you with legal defense if another party files a lawsuit against you.
Comprehensive and Collision Coverage
Comprehensive and Collision coverages pay to repair or replace your car if it damaged, regardless of who is at fault. You select a deductible that you pay out of pocket and your insurance company pays for the remaining damage up to the limits you select.
Collision coverage covers damage to your auto when you collide with another vehicle or object. If you hit a car, a pole or another nonliving object, Collision coverage will apply.
Comprehensive car insurance coverage covers your auto for losses resulting from incidents other than collision. For example, Comprehensive insurance covers damage to your car if it is stolen, or damaged by flood, fire, or animals.
Uninsured/Underinsured Motorist Coverage
Uninsured Motorist coverage will cover damages for you, the insured members of your household, and your passengers incur that the at-fault party is legally liable for when the person at fault for an accident does not have motor insurance. Uninsured Motorist Bodily Injury coverage will cover medical treatment and lost wages up to the limits you select.
If the driver or owner of a vehicle is legally liable for an accident but does not have insurance, you can use Uninsured Motorist Property Damage (UMPD) to cover damage to your insured auto, up to the limits you select.
If your injury expenses exceed the at-fault party’s Liability limits, you can use Underinsured Motorist Bodily Injury coverage to pay for the amount not covered by the at-fault person’s insurance. Underinsured Motorist coverage is designed to cover the gap between the other person’s Liability limits and the amount of your injury expenses, up to the Underinsured Motorist limits you select.
Loan/Lease Payoff
Auto Loan/Lease Payoff coverage protects you if your financed vehicle sustains a total loss. Loan/Lease coverage pays the remaining loan balance (subject to policy terms, conditions, and exclusions). You can purchase Loan/Lease Payoff coverage for vehicles that are leased or financed.
After your Comprehensive or Collision coverage has paid the actual cash value for your vehicle, less your deductible, your Loan/Lease Payoff coverage will pay the difference between the actual cash value and any additional amount you owe under the terms of your vehicle lease or loan. Your coverage limits, deductibles, and certain exclusions may apply.
Medical Payments
Medical Payments coverage pays the cost of necessary medical care resulting from injuries you and your passengers receive as a result of an auto accident, regardless of who is at fault.
Coverage is also provided to the insured and resident relatives, while they are riding in someone else’s car at the time of the accident or if they are struck as a pedestrian.
Rental Reimbursement
Rental Reimbursement provides rental car coverage if your car isn’t drivable for more than 24 hours because of a covered loss under Comprehensive or Collision coverage. Rental Reimbursement helps to reduce the hassle of an accident by providing a replacement car while your car is in the repair shop, subject to coverage limits.
Or, in the event your car is a total loss, your policy will provide an additional 3 days of rental from the time your settlement is provided by the total loss adjuster, subject to your coverage limits.
You can add Rental Reimbursement to your policy at anytime by logging into your myElephant account.
Roadside Assistance
Roadside Assistance covers you in the event that you have a flat tire or a dead battery and need a helping hand. We’ve partnered with Urgent.ly to bring our customers the help they deserve when they need it the most. Read more about our Roadside Assistance coverage.
Custom Parts and Equipment Coverage
Custom Parts and Equipment coverage (CPE) covers permanently attached equipment, devices, accessories, enhancements and changes, other than those that the manufacturer originally installs, that alter the appearance or performance of a car. CPE coverage is available only in conjunction with Comprehensive and Collision coverage. When you purchase Comprehensive or Collision coverage, at least $1,000 of Custom Parts and Equipment coverage is included. You can purchase up to $4,000 in additional CPE coverage to cover up to $5,000 custom parts and equipment. Certain limitations apply to this coverage.
Pet Injury Coverage
Elephant policyholders with Collision or Other than Collision coverage that have a dog or cat that sustains an injury while inside a covered auto or non-owned auto at the time of a loss, would receive up to $1,000 for veterinary fees incurred or up to a $1,000 death benefit if the pet dies in, or as a direct result of, the covered loss.
Income Loss Coverage
Income Lost coverage covers any income loss resulting from bodily injury caused by an accident and arising out of the ownership, maintenance, or use of a motor vehicle as a motor vehicle. You can receive income payments of up to $100 per week for a period not to exceed 52 weeks if the injured person is engaged in an occupation for which he receives compensation.
