Fee Schedule FAQs
What if my payment is attempted and it fails?
Unfortunately, since we may incur fees for decline payments, Elephant charges a $25.00 NSF Fee (Insufficient Funds Fee) whenever an automatic payment attempt is declined
A $10.00 Late Fee may also be charged if payment is not received by the close of business the day after your due date.
What if I know that I will not have enough money in my account?
Customers may contact Elephant at 1-877-21-TRUNK and request that their payment not be attempted. However, to cover bank costs, Elephant may charge certain administrative fees, including:
A $25.00 Insufficient Funds fee
A $10.00 Late Fee (charged two (2) days after your due date)
To make sure that every request can be entered correctly into our Billing system, we ask that customers call in at least 3 days before their due date. Any request made less than three days prior to your due date will be entered into our queue, but we cannot guarantee that your balance due will not be attempted.
Once your due date has passed, you will receive a notice in the mail explaining the full past-due balance, and will need to call payment into our office or mail in a check to keep your policy active.
If I make partial payments before my due date, will I be charged multiple installment fees?
NO! Installment fees are charged on a per installment basis. So, if you have ten (10) installments to pay over the course of your twelve (12) month policy, you will be assessed ten (10) installment fees.
The actual amount of the fee will vary based upon your pay plan.
See the Fee Schedule Chart below.
When is my installment fee applied to my account?
Installment fees are applied on a monthly basis, either when your account is billed, or when you make your monthly payment.
What is an "NSF" Fee? When could it be applied to my account?
A NSF fee is an "Insufficient Funds" fee. This fee is only applied if the payment method you have on file is declined by your bank or credit card company for insufficient funds. When this happens, a fee of $25.00 is immediately applied to the account.
When can a late fee be applied to my account?
Late Fees are only applied if a customer misses their payment due date – they apply to all policies with the exception of the "Paid in Full" option
All late fees are applied two (2) days after the payment due date. So, if you make your payment the day after your due date, there will be no late fee! If not, a $10.00 fee will be applied to your account.
What is a reinstatement fee?
This is a $10.00 fee that is applied to your account for reinstatements related to non-pay cancellations. For example, if you miss your payment due date, and cannot pay before the cancellation date on your non-pay cancellation notice, a $10.00 fee will be applied to your account if and only if you decide to reinstate your policy. Elephant will never charge you a reinstatement fee if your policy has been cancelled in error.
What is a FR-44 fee?
This is a DMV-related fee required for certain DUI-related convictions. These convictions include but are not limited to: driving while under the influence of intoxicants or drugs, or maiming while under the influence. If you feel that you may be liable for this fee, contact DMV for further clarification
What is a SR-22 fee?
This is a DMV-related fee required for certain unrelated DUI convictions. These convictions include but are not limited to: unsatisfied judgments, uninsured motor vehicle suspension, falsifying insurance certification. If you feel that you may be liable for this fee, contact DMV for further clarification
Fee Schedule Chart
| Billing Fee |
Installment Fee |
$7 |
Incurred on a per installment basis for select pay plans |
|
Paid in Full |
| Late Fee |
$10 |
Applied 2 days after a payment has not been satisfied |
|
Paid in Full |
| Reinstatement Fee |
$10 |
Applied to the account in the event of a reinstatement |
This fee applies only to customer-requested reinstatements |
Paid in Full |
| NSF Fee |
$25 |
Applied immediately after a payment is attempted and fails |
|
Paid in Full |
| Policy Fee |
FR-44 Fee |
$75 |
Applies to customers who have any type of DUI-related conviction. Including but not limited to: maiming while under the influence, driving while under the influence of intoxicants or drugs. |
If you feel that you may be liable to pay this fee, please contact DMV for verification. |
– |
| SR-22 Fee |
$75 |
Applies to customers who have any unrelated DUI convictions. Included but not limited to: unsatisfied judgments, uninsured motor vehicle suspension, falsifying insurance certification |
If you feel that you may be liable to pay this fee, please contact DMV for verification. |
– |