Elephant Insurance dropped my Model S

[drichardson875]

I just received a notice in the mail from my insurance carrier, Elephant Auto Insurance, that they are dropping coverage on my 2013 60 Model S because the car "fails to meet our underwriting standards because the car is "too exotic, expensive or unique". Wth?

I've never filed a claim on any policy in my life and haven't so much as had a parking ticket in 10 years.

We have two other cars and our home insured on this same policy.

Any suggestions?

 

[WarpedOne]

They drop you, you drop them and never look back.

 

[Shock-On-T]

That feeling you have is the dissonance you get when you confer human emotions like loyalty on a corporation, only for it to surprise you with an inhuman action.

 

[CHRGIT]

Depending on your State, you may be able to file an appeal with the Insurance Commissior. If they are not following their filings then they may have to reinstate your insurance.

Another thought is to Tweet Elon and see how their rumored program of insuring Tesla's is coming along. Sometimes individual situations move a program along at Tesla.

 

[JHWJR]

Or just call another insurance company.

 

[vdiv]

Ef them. Many moons ago Liberty Mutual dropped me as I was considered an "unsafe driver". They've been "begging" or pestering me to come back for years now.

 

[gavine]

Note to self: never consider Elephant insurance for any future insurance needs. They seem like a greedy, self-centerered company, more concerned with their bottom line than customer service/loyalty.

 

[drichardson875]

Anyone have any suggestions on a company to get a quote from?

 

[Krugerrand]

Anyone have any suggestions on a company to get a quote from?

All of them. Regard this as an opportunity to quite possibly get lower insurance rates for your entire 'package' (home and other two cars).

 

[⚡️ELECTROMAN⚡️]

I think more and more insurance companies are becoming Tesla unfriendly. I would avoid Farmers and Geico for sure. Do your research.

 

[MMC-]

Depending on your State, you may be able to file an appeal with the Insurance Commissior. If they are not following their filings then they may have to reinstate your insurance.

I would do this if your state allows it. Make them feel some heat.

 

[Jack007]

Nationwide is on your side.

 

[gavine]

I have Allstate. No issues so far.

 

[EVTECH]

USAA, Allstate, and Nationwide have been Tesla friendly from what I have seen. Avoid Farmers and Geico as mentioned.

 

[MMC-]

I have State Farm. Been with them for over 15 years. Never a problem...

 

[PeterHG]

We've had Metropolitan for decades--home and auto. I don't know how their prices compare, but they've always been excellent when it came to claims, including on our S.

Also, on one level it seems like Elephant's being rotten. But Elephant's is a completely reasonable response to gouging repair shops as described in other threads. The insurance companies depend on the shops being reasonable negotiators in claims discussions. It's clear that way too many Tesla repair shops are taking unfair advantage.

 

[Az_Rael]

It's probably better to just drop you vs their other option which was to raise your rates to crazy levels. It was costing me $2500 a year from AAA JUST for my Tesla. Most other companies were charging similar rates or more for Teslas. Ended up with the Costco insurance company, Ameriprise. I hear their claims process isn't great, though, so hopefully I won't ever have to use it.

I love my Tesla (so much we bought a second), but I really hope they get the insurance thing figured out soon (by lowering repair costs).

 

[vdiv]

I had the misfortune of making two claims with Geico on my Volt and they were professional, punctual, and at the end did not raise my rate. I used their certified body shop that staffs their adjusters (one stop fix) as it was part of Moore Cadillac dealership and used genuine parts. I used the body shop for a third repair that ended up costing below my deductible so I did not make another claim. Last year Geico did raise the premium on my Tesla by about 20% however it was unrealistically low to begin with.

 

[⚡️ELECTROMAN⚡️]

I had the misfortune of making two claims with Geico on my Volt and they were professional, punctual, and at the end did not raise my rate. I used their certified body shop that staffs their adjusters (one stop fix) as it was part of Moore Cadillac dealership and used genuine parts. I used the body shop for a third repair that ended up costing below my deductible so I did not make another claim. Last year Geico did raise the premium on my Tesla by about 20% however it was unrealistically low to begin with.

Let us know when you have deal to with them for a claim on your Tesla. Until then it's not relevant. Are you going to use a non-Tesla certified shop?

 

[Snow Drift]

I have State Farm. Been with them for over 15 years. Never a problem...

Is your State Farm premium drastically different than a similarly priced car, or do they seem to treat the MS as a normal car?