Elephant Insurance Services

[A default letter is provided here which indicates your acceptance of the business's offer.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].
Regards,
[redacted]

Elephant Insurance Company (Elephant) received your letter dated March 8th, 2018 requesting explanation regarding the complaint filed by Mrs. [redacted] in reference to her 12/8/2017 claim. Elephant was first notified of the 12/8/2017 loss on 12/11/2017 by the claimants’ insurance carrier. The recorded...

statements collected by both parties to the accident advise that the aforementioned accident occurred on 12/8/2017 while leaving [redacted] [redacted] in [redacted], ** at the [redacted] Avenue intersection, after the traffic light turned green. Our insured driver stated that the light had turned green as he was approaching the vehicle being driven by Mrs. [redacted]’ husband, and our insured advised that he applied his brakes when he saw that the [redacted]’ vehicle was still stopped at the light. Although our insured reports applying his brakes from 60-1** feet away from the [redacted]’ stopped vehicle, our insured vehicle continued to slide and made impact with the rear-end of the claimant vehicle. Based on the facts of loss provided, Elephant determined our insured driver to be at-fault for the 12/8/2017 collision. Although no injuries were reported by Mrs. [redacted]’ husband, the driver of the claimant vehicle, Mrs. [redacted] was a passenger in the claimant vehicle at the time of loss; she advised in her 12/12/2017 recorded statement that she went to the Emergency Room immediately following the loss, and was diagnosed with whiplash/strain as a result of the accident. When asked about her intended plan of action for treatment and lost wages for time missed from work, Mrs. [redacted] advised that she was given prescriptions at the hospital and had not missed any time from work yet, but planned to take a day off to meet with her primary care physician the next day for a follow-up appointment. Based upon the low-impact nature of the accident, the adjuster provided an initial offer to Mrs. [redacted] on 12/12/2017 to provide for injuries sustained as a result of the accident under bodily injury liability for the anticipated medical bills, as well as an additional amount for Mrs. [redacted]’ pain and suffering. Our contact with Mrs. [redacted] between 12/13/2017 and 12/20/2017 revolved around the property damage to her vehicle and her lost wages, but Mrs. [redacted] did not address our initial settlement offer at that time. After receiving no response from Mrs. [redacted] regarding our initial offer, the adjuster followed up with Mrs. [redacted] again on 1/3/2018 to discuss her treatment progress, and presented the above offer again. Mrs. [redacted] refused the initial offer, advising that she received a hospital bill that exceeded the amount of our offer and she had two subsequent doctor visits, as well as one additional upcoming scheduled visit. The adjuster advised that she understood, but that we would need itemized documentation in order to support the higher amounts, and requested that Mrs. [redacted] send us documentation as received in order to assist with the timely settlement of her bodily injury claim. We also advised that we would be checking in with Mrs. [redacted] every few weeks for treatment updates, and on 12/18/2017 Mrs. [redacted] informed the adjuster that she would prefer to communicate by e-mail—while the adjuster was willing to accommodate this request, it did present additional delays in the settlement of Mrs. [redacted]’ claim. On 1/10/2018, Mrs. [redacted] advised that the [redacted] and urgent care physician would contact us to file their claims and provide the required documentation, but that she was having difficulty in contacting the emergency room to do the same. Mrs. [redacted] further expressed her frustration with our requirement to obtain medical records on 1/12/2018, to which the adjuster responded with links and information from the hospital’s website in order to better assist Mrs. [redacted] with collecting this documentation. We received one emergency room bill on 1/16/2018, and the adjuster advised Mrs. [redacted] that we still need medical records or an itemized version of this bill in order to support payment for the billed amount. Mrs. [redacted] e-mailed the adjuster on 1/22/2018 to inform that the emergency room bill had been adjusted, and advised that she would send an itemized version of the revised bill. On 1/30/2018, Elephant received medical records from Mrs. [redacted]’ primary care physician. Mrs. [redacted] asked for a settlement update on 2/8/2018, to which the adjuster responded with a list of the items we have received, and advised that we were still missing the itemized bill and/or medical records from the emergency room and her urgent care facility (as we only had a discharge summary from urgent care at this point).  We also asked for an update regarding her physical therapy progress, to which Mrs. [redacted] responded stating that she decided not to keep her physical therapy appointment, as she felt it was unnecessary since the prescribed medications and other suggested treatments were enough to resolve her injury. As Mrs. [redacted]’ willful refusal to accept physical therapy treatment indicates that the whiplash/strain experienced were of an incredibly low severity, this was taken into consideration during future discussions regarding settlement offers for Mrs. [redacted]’ pain and suffering.  We continued our attempts to collect itemized bills and medical records from Mrs. [redacted] through 2/28/2018, when Mrs. [redacted] advised that she wanted to settle based upon the information that we had already received. The adjuster received management authorization to present a settlement, and e-mailed a chart to Mrs. [redacted] confirming the billed amounts for treatment received (1 emergency room visit, 1 urgent care visit, and 1 primary care physician visit) and the one day of lost wages for time missed from work, and advised that we are anticipating a potential bill from the emergency room physicians. The adjuster informed that the total for the bills received was still below the originally proposed settlement offer, and stated that we could structure the settlement into two parts—one for inconvenience, lost wages, and out of pocket expenses, and another part that would cover the medical bills received and also leave funds available for any potential bills not yet received. We asked Mrs. [redacted] to provide amounts that she felt would be reasonable for those two costs, to which she replied on 3/5/2018 that she is agreeable to our offer covering the received medical bills as long as the future bills would be covered, and proposed a settlement of $[redacted].** for pain and suffering. The adjuster responded on 3/7/2018, advising that while we do not expect to see a bill from the emergency room physicians in excess of $[redacted].**, we would be willing to increase the limit for the medical portion of the claim in the case that the physician bills are higher than anticipated. However, the adjuster explained that settlements for inconvenience/pain and suffering can vary depending on type of injury, type of treatment received, length of treatment received, and many other factors, which is how we assessed this part of the claim. In Mrs. [redacted]’ claim, there was one visit to the emergency room, one visit to an urgent care physician, and one visit to a primary care physician. The injuries are soft tissue, meaning there were no broken bones that take significant treatment or time to heal, and Mrs. [redacted] determined that her injuries did not require physical therapy. The impact to the vehicle was moderate based on the amount of damage to the vehicle, and only one day of time missed from work. Based on these factors, we were unable to justify settling the pain and suffering portion of the claim at the $[redacted].** requested by Mrs. [redacted]. Rather, Elephant came to propose an increased figure that more appropriately matched the severity of the injury and time missed from work. Elephant has not yet received a response to our 3/7/2018 e-mail, but encourage her to reach out to her adjuster if she would like to accept our proposed settlement or negotiate further. We strive to provide every policyholder with a positive customer service experience. If we can be of any further assistance, please feel free to call us at (877) [redacted]. Sincerely, Gina K[redacted] Compliance State Manager Elephant Insurance Services

June 17th, 2016 Revdex.com Case Number: Dear [redacted]           Thank you for notifying Elephant Auto Insurance (Elephant) regarding the concerns of Ms. [redacted]. On May 14th, 2016 Ms. [redacted] purchased a policy with Elephant effective for May 21st, 2016....

When filling out the application she indicated she had no lapse of insurance in the last three years. Elephant, like most companies use prior insurance status as one of many rating factors to determine premium and as a result we independently verify it much like pulling a motor vehicle report to determine if someone has any tickets or accidents. We do realize that not all insurance companies voluntarily report a customer’s policy activity so sometimes we need our policyholder to obtain what is called a “proof of coverage” letter in order to verify continuous insurance coverage; this letter provides the effective dates and any cancellations through the policy history. It is a common practice throughout the insurance industry to request this letter for verification and any of Ms. [redacted]’s prior insurance companies can easily provide this information to her. In many cases she can contact her former companies online for the letter. Unfortunately, the declarations page and ID cards cannot be used as prior insurance verification because while they have the effective dates of the prior policy, they do not take into consideration any cancellations that may have happened in between those dates. Elephant advised Ms. [redacted], once we receive the proof of coverage letters we will be happy to reverse the endorsement and amend the policy reflecting no lapse. We would certainly hate to see her leave and look forward to receiving the requested information so we may serve her insurance needs. We strive to provide every policyholder with a positive customer service experience. If we can be of any further assistance, please feel free to call us at [redacted] Sincerely, Toni M. S[redacted] Elephant Insurance Services

January 30th, 2018 Revdex.com Case Number: [redacted] Thank you for notifying Elephant Auto Insurance (Elephant) regarding the concerns of Ms. [redacted]. The offer we provided for the settlement value of Ms. [redacted]’ vehicle was based upon the fair market value of her vehicle. We gathered this data using a...

third-party vendor, who collected information for comparable, recently-sold vehicles near Ms. [redacted]’ location. We consider the data provided by [redacted], our valuation vendor, to accurately reflect the true market value of the vehicle because the information is based on similar vehicles which sold successfully, rather than the price that others were attempting to sell the vehicle for. When Ms. [redacted] first informed us that she was unhappy with the settlement offer provided, we suggested that she review her report to ensure that it accurately reflected her vehicle features, and advised that we would be happy to make any necessary updates if the report proved to be inaccurate. We also expressed that we would be willing to review any research that she may have done to support providing a higher value for her vehicle.  However, we never received any further data from Ms. [redacted] to support increasing the valuation prior to receiving Ms. [redacted]’ signed Letter of Guarantee, so the settlement value remained the same. Once we received the signed Power of Attorney and Letter of Guarantee forms from Ms. [redacted] on 1/22/2018, we were able to finalize the settlement for submission. On that date, 1/22/2018, we issued a check for the agreed-upon settlement amount to Ms. L[redacted]’ lienholder, [redacted], located in [redacted], CA. Checks generally process within 7-10 business days—as we are showing that this check has not yet been cleared, we encourage Ms. [redacted] to reach out to her lienholder for more information regarding the processing status of Elephant’s payment. We strive to provide every policyholder with a positive customer service experience. If we can be of any further assistance, please feel free to call us at [redacted]. Sincerely, Gina K[redacted]

September 20th, 2016 [redacted]   Revdex.com Case Number:           Thank you for notifying Elephant Auto Insurance (Elephant) regarding the concerns of Mrs. [redacted]. On September 6th, 2016 Mrs. [redacted]’s automobile policy cancelled for...

non-payment resulting in a past due amount owed for services rendered of $**.**. On September 8th, 2016 Elephant drafted the amount from the account on file. Per our payment FAQs under the heading of “What if my policy cancels for nonpayment?” we explain that if the policy has a past due balance we may elect to charge the method of automatic payment at a later date. In this case, this is what we did as the monies were owed to Elephant for services rendered. We sent notice of the past due amount on September 1st; this coupled with the credit due back on the account for the actual cancellation resulted in an amount owed of $**.**. Elephant will not be refunding Mrs. [redacted] as the monies were owed for prior coverage provided. We strive to provide every policyholder with a positive customer service experience. If we can be of any further assistance, please feel free to call us at [redacted] Sincerely, Toni M. S[redacted] Product Compliance Specialist Elephant Insurance Services

Thank you for notifying Elephant Auto Insurance (Elephant) regarding the
concerns of Ms. [redacted].
I have reviewed the claims file for our policyholder.
The Elephant adjuster authorized a rental vehicle for Ms. [redacted] on 12/01/2016 and
mentioned that a smaller vehicle would...

increase the length for which the
policyholder could rent a vehicle. Elephant received the initial estimate to
repair the vehicle on 12/12/2016. Our investigation uncovered pre-existing
damage, and Elephant requested that an appraiser review the initial estimate on
12/15/2016. The revised estimate was approved and issued to the body shop on
12/21/2016.
The body shop found additional issues with the vehicle
on 12/29/2016 our adjuster told the shop to contact the appraiser to write
another appraisal, and the shop agreed to contact the appraiser on the same
day. Our adjuster followed up with the body shop on 1/03/2017 and the shop said
that they had not contacted the appraiser. Our adjuster contacted Ms. [redacted] on
1/03/2017 and said that she would meet her maximum rental limits on 1/10/2017,
after which she would be financially responsible for the rental vehicle.
Our adjuster reached out to the appraiser on 1/06/2016
and the appraiser advised that they still had not been contacted by the body
shop. Our adjuster requested that the shop send him the estimate on 1/12/17, so
he could send it to the appraiser directly. There was no notice of the
appraiser or Elephant receiving the requested supplement from the body shop
until 1/17/2017. The new appraisal was approved on 1/19/2017. Since it took
Elephant from 1/17/2017 to 1/19/2017 to review the supplement, Ms. [redacted]’s
adjuster extended the rental period for three days beyond her rental limits as
a courtesy.
Elephant
extended rental coverage by three days above the policy limits for the time
that it took Elephant to review the most recent appraisal, but the body shop
that the policyholder chose did not contact the appraiser after Elephant’s
adjuster advised them to on 1/03/2017, and there was no notification that the
appraiser received the requested documents from the body shop until 1/17/2017. The
shop that Ms. [redacted] chose is not in Elephant’s network of direct repair shops,
so Elephant does not manage the repair process and will not cover additional
rental costs beyond the policy limits for the shop’s delays.
We strive to provide every policyholder with a positive customer service
experience.
If we can be of any further assistance, please feel free to call us at 1-877-21
TRUNK (1-877-[redacted]).
Sincerely,
J[redacted]
Elephant Insurance Services

[A default letter is provided here which indicates your acceptance of the business's offer.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [email protected].
Regards,[redacted]

September 21, 2016 Revdex.com Case Number: [redacted]  Thank you notifying Elephant of the concerns of our former policy holder (FPH). Elephant has not reported the claim that our FPH’s lienholder submitted as an at fault loss.  The claim was classified as fault unknown.  Elephant has...

verified that we reported the fault as unknown and we have provided our FPH with a letter of experience that she may give to her current insurance company.  We are unable to remove the record of the loss being reported to us, as it would violate our terms of service with our vendor. Sincerely, CP Elephant Insurance Services

August 1, 2016 Revdex.com Case Number: [redacted]   Thank you for notifying Elephant Auto Insurance (Elephant) regarding the concerns of our former policyholder (FPH). Unfortunately Elephant is unable to honor our FPH’s request to issue a refund via check.  Our policy is to return all initial...

policy payments to the card used to make the payment.  This policy is designed to prevent a double refund from being issued, as a credit card owner can reverse a payment after Elephant issues a check.  We apologize for the inconvenience. We strive to provide every policyholder with a positive customer service experience. If we can be of any further assistance, please feel free to call us at [redacted] Sincerely, ** Elephant Insurance Services

hank you for notifying Elephant Auto Insurance (Elephant) regarding the concerns of Mr. [redacted]. I have reviewed the claim file for our policyholder. The policyholder filed the claim on August 19th, 2017 and said that the claimant vehicle ran a stop sign and hit the insured vehicle. A recorded...

statement was taken on Monday, the 21st. The claimant came out of her car and talked for a bit but then went back in her car and drove away. The police were contacted and a police report was filed. The adjuster also provided an update on the claim on the 22nd. An adjuster contacted the witness and conducted a recorded statement with him on August 24th. Elephant contacted the police department on the same day to try to obtain a police report, but they could not disclose any information to Elephant. The vehicle was found to be a total loss on August 28th. Elephant is proceeding on the total loss process for the policyholder’s vehicle. Determining if uninsured motorist coverage applies is dependent on if the driver can be identified and if the driver had insurance coverage at the time of the accident. Elephant is waiting to obtain a police report to attempt to identify the claimant driver. If the policyholder has additional questions or would like an update on the claim’s status, we recommend that he contact his claims adjuster. We strive to provide every policyholder with a positive customer service experience. If we can be of any further assistance, please feel free to call us at ([redacted]-[redacted]. Sincerely, J. L[redacted] Compliance Associate Elephant Insurance Services

Thank you for notifying Elephant Auto Insurance (Elephant) regarding the concerns of Miss [redacted]. I have reviewed the policy and billing history for our policyholder. Miss [redacted] called in on March 6th, 2017 to cancel her auto insurance policy with Elephant. Our agent stated that a refund...

would be processed within 7 to 10 business days. By business day, it’s meant Monday through Friday, excluding federal holidays. Based on this measure, Elephant would have until March 20th to issue the refund. Miss [redacted] called in on March 9th, 2017 and asked about the status of her refund. The agent advised that the refund had been initiated, but had yet to clear Elephant’s systems and advised that it would take 7-10 business days from the date of the refund. Miss [redacted] called on March 15th, 2017 to check on the status of her refund. Our agent said that it would take 7-10 business days, and that it could take up to two weeks based on how business days are defined. Miss [redacted] requested a rush refund, but the agent advised that since her refund had already been processed, to request a rush refund would reset the process, and that she would receive her refund more quickly if she waited instead of resetting the process. Miss [redacted] then requested to speak with a supervisor. The supervisor advised Miss [redacted] that 7-10 business days is not the same as 7-10 days. When Miss [redacted] requested the supervisor’s name, he gave his first name, but not his last name, which is standard for customer service agents to protect their privacy. Miss [redacted] requested the name of the first agent she spoke with, and the supervisor gave her first name as well. Our records show that the refund was issued on March 19th from Elephant’s billing systems on the credit card that Miss [redacted] used to originally purchase the policy. We strive to provide every policyholder with a positive customer service experience. If we can be of any further assistance, please feel free to call us at 1-877-[redacted] (1-877-[redacted]-[redacted]). Sincerely, J. L[redacted] Compliance Associate Elephant Insurance Services

Thank you for notifying Elephant Auto Insurance (Elephant) regarding the concerns of Miss [redacted]. I have reviewed the policy and billing history for our policyholder. Miss [redacted] called in at 11:00 A.M. on March 10th, 2017 to ask why her bill was higher. The agent advised Miss [redacted] that her bill was...

higher because the system was unable to automatically draft her payment on her due date, so it levied an insufficient funds fee on her account. Miss [redacted] said that she paid on time, and the agent reviewed the billing history, saw that Miss [redacted] paid after the system tried and failed to draft the amount due, and reversed the insufficient funds fee. Miss [redacted] requested to make a payment for the regular monthly balance, and the agent processed the payment. Miss [redacted] then called in an hour later and advised that the system had processed her card four times. The agent reviewed her account and saw that the card had mistakenly been processed multiple times and advised Miss [redacted] that Elephant would submit a rush refund request. The agent advised that due to having to process the refund through the banking system, the fastest that Elephant can offer a refund is within 3 to 5 business days. The refund has cleared Elephant’s billing systems, and they have been issued. If Miss [redacted] incurred any overdraft fees through her bank, she can submit documentation to our customer service department for a potential refund if the overdraft fee was found to be the result of Elephant’s draft on her account. We apologize for any inconvenience that Miss [redacted] has experienced. We strive to provide every policyholder with a positive customer service experience. If we can be of any further assistance, please feel free to call us at 1-[redacted]-[redacted] (1-[redacted]-[redacted]-[redacted]). Sincerely, J. L[redacted] Compliance Associate Elephant Insurance Services

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.As I already stated - I have called in TWICE to elephant insurance to cancel my insurance! On the 12th and the 14th! BOTH times I spoke to a customer service representative that told me my insurance was cancelled.  THAT is why I am so frustrated and have taken to filing a complain with the Revdex.com! 
Regards,[redacted]

Revdex.com Case Number: [redacted] Thank you for notifying Elephant Auto Insurance (Elephant) regarding the concerns of Mr. [redacted]. I have reviewed the file for Mr. [redacted], and found that Mr. [redacted]’ adjuster spoke with him on 1/10/2018 and advised that the calculation for his total loss settlement would be completed the next day on 1/11/2018, and that we would reach out to him to discuss the matters of obtaining a rental vehicle and the settlement offer. We also advised that there appeared to be a delay with the pick-up of his totaled vehicle due to the snow in his area. As promised, the next day on 1/11/2018 we attempted to reach Mr. [redacted] in order to present the settlement and rental vehicle offers.  Mr. [redacted] did not answer the call, so the adjuster left a voicemail to let him know that we sent an e-mail to Mr. [redacted]’ advised e-mail address containing the details of our settlement offer, and requested that he return our call to discuss the settlement and the next steps in obtaining the rental vehicle. To date, we still have yet to hear from Mr. [redacted] regarding how he wishes to proceed.  As such, we encourage Mr. [redacted] to reach out to his total loss adjuster at his earliest possible convenience, so we can complete the total loss process and resolve his concerns.    We strive to provide every policyholder with a positive customer service experience. If we can be of any further assistance, please feel free to call us at [redacted] Sincerely, Gina K[redacted]

May 23rd, 2016 [redacted] Revdex.com Serving Central Virginia, Inc. 720 Moorefield Park Drive, Suite 300 Richmond, VA 23236 Revdex.com Case Number: [redacted] Dear Ms. [redacted]:           Thank you for notifying Elephant Auto Insurance (Elephant) regarding the...

concerns of Ms. [redacted]. On March 7th, Ms. [redacted] called Elephant and advised that while her car was parked in the parking lot at work, she came out and saw that her vehicle was hit by an unknown driver. The incident happened on March 4th, three days prior to her calling us; she had not called the police to file a report. This requirement is listed as part of her duties per the policy contract to file a claim under Uninsured Motorist coverage. A copy of her policy contract was not only sent at time of sale but also on her renewal. When Ms. [redacted] spoke with our claims adjuster he did advise that we could start the claims investigation under Collision coverage and should she obtain a police report after the fact, his supervisor would review and if she approved it we could re-categorize the coverage under Uninsured Motorist coverage. Ms. [redacted] indicated she understood that this was a possibility but not a guarantee.           With regards to her initial claim with Elephant that was categorized as an uninsured motorist claim, there were witnesses that saw the accident happen and with their help we were able to find the person that hit her vehicle; however when we called their carrier, we found out that coverage was not in force resulting in it being covered under Uninsured Motorist coverage; the main difference between the two claims. We strive to provide every policyholder with a positive customer service experience. If we can be of any further assistance, please feel free to call us at 1-877-21 TRUNK (1-877-218-865). Sincerely, Toni M. S[redacted] Product Compliance Specialist Elephant Insurance Services

September 2nd, 2016 [redacted]  Revdex.com Case Number:             Thank you for notifying Elephant Auto Insurance (Elephant) regarding the concerns of Mr. [redacted]. On August 25th, Mr. [redacted] was involved in an incident with our insured and on...

August 26th, he gave his recorded statement regarding the facts of loss. In speaking with him we also advised that the handling adjuster would contact him within three business days; he understood. On August 26th, our adjuster was able to reach Mr. [redacted] and schedule an inspection for the following Monday, August 29th. We received the estimate for repairs the same day; however, had not reached our insured to obtain a more detailed statement. At this time Mr. [redacted] inquired as to what would happen if we could not reach our insured and we advised the claim would be denied for non-cooperation and that he could file through his own carrier. We also advised that this is unlikely as it had only been 4 days since the incident. On August 31st when we still had not heard from our insured, we listened to the first notice of loss call when our insured initially called to file the claim and used the facts to determine fault. On September 1st, Mr. [redacted] called for a status update and advised he had a repair facility he wanted to use but did not have the contact information with him. Elephant advised once he had that information to send it to us so we can proceed with repairs. We are currently waiting for this information. We strive to provide every policyholder with a positive customer service experience. If we can be of any further assistance, please feel free to call us at [redacted] Sincerely, Toni M. S[redacted] Product Compliance Specialist Elephant Insurance Services

Thank you for notifying Elephant Auto Insurance (Elephant) regarding the concerns of Mr. [redacted]. On July 6th, 2016 Mr. [redacted] and the claimant were involved in an auto accident in which Elephant deemed Mr. [redacted] to be at fault. Unfortunately the claimant sustained injuries as a result of the...

incident. During the course of the investigation, the claimant provided the necessary medical documentation required and Elephant paid accordingly. Secondly, Elephant is obligated to protect our insured when they become legally liable because of an accident arising out of the ownership or use of a covered vehicle. In this case our insured, Mr. [redacted] was not only legally liable for property damage done to the claimant’s vehicle but bodily injury incurred by the claimant. We strive to provide every policyholder with a positive customer service experience. If we can be of any further assistance, please feel free to call us at 1-877-21 TRUNK (1-877-[redacted]). Sincerely, Toni *. S[redacted] Compliance Specialist Elephant Insurance Services

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]
I will close the case and cancel my service shortly

September 6, 2016 [redacted] Revdex.com Case Number: [redacted] Thank you notifying Elephant Insurance Company (Elephant) of the concerns of our former policy holder (FPH).  Elephant’s has been advised that our FPH has retained council and intends to file suit.  Elephant is therefore...

unable to respond to this consumer complaint as it would be tantamount to us having direct communication with the FPH.  Once an individual is represented by an attorney, an insurance company is required to direct all correspondence to the attorney.  Additionally, we are unable to comment on a matter for which a suit is pending. Elephant strives to provide the best quality service to current and potential customers while adhering to all applicable laws and regulations.  Should you have questions or need additional information, please do not hesitate to contact me. Sincerely, ** Elephant Insurance Services

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]
Regards,[redacted]