My son had a "not at fault" accident over 3 months ago when someone ran into the back of his car. He reported the incident to Elephant who the put him in contact with a third party company to handle his claim. He had to sign a credit agreement with this company that effectively made him responsible for all costs if they failed to recover the costs. He did this and an agreement was made swiftly with the insurer of the person who hit him and a settlement figure agreed. My son now is having to chase the insurer of the driver who hit him to try and get his money, Elephant and their repair management company Auxilis are nowhere to be seen in all of this. He still hasn't received a penny and has been without a car for three and a half months. In my experience your insurance company should deal with the whole process from start to finish including securing the agreed payment. Elephant and their management partners are shocking, truly disgraceful and we are currently looking at taking some legal action and escalating this just on principle.