Elephant Motorcycle & ATV Insurance Review

Elephant Motorcycle & ATV Insurance is an insurance carrier based in Henrico, VA. The company was founded in 2009 and offers motorcycle and ATV insurance in 6 states in the USA.

What types of motorcycle and ATV insurance coverage does Elephant Motorcycle & ATV Insurance offer?

Although we often talk about motorcycle insurance in the singular, it really includes several types of coverage. Elephant Motorcycle & ATV Insurance offers the following types of motorcycle and ATV insurance coverage:

• Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 

• Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.

• Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.

• Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.

• Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have a lease, the lender may require you buy collision insurance.

•  Comprehensive Coverage: If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.

• Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most policies will also cover funeral expenses.

• Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

Elephant Motorcycle & ATV Insurance customers can also add the following riders or endorsements to their policies:

• Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

• Mechanical Breakdown Coverage: If your motorcycle or ATV is protected by mechanical breakdown insurance the costs of repairs (not including maintenance or normal wear and tear) are covered by your policy. However, you will need to obtain authorization from your insurance company first.

What benefits does Elephant Motorcycle & ATV Insurance offer?

Elephant Motorcycle & ATV Insurance offers the following benefits to its customers:

• 24/7 Phone Availability: Customer service is staffed around the clock.

• Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.