Elephant Insurance Company filed updated underwriting guidelines for its Georgia private passenger auto program, adding a new review requirement for higher bodily injury liability limits while making no changes to rates. The filing was submitted July 2, with a requested effective date of July 7, 2026, for new business and September 7, 2026, for renewals.

The primary change adds an underwriting review requirement for policies requesting bodily injury, uninsured motorist bodily injury, or underinsured motorist bodily injury limits above $100,000/$300,000. Those limits will now require underwriting approval.

The filing also removes outdated references to Admiral Group PLC from Elephant’s underwriting manual, replacing them with references to Elephant Holding Company LLC and its subsidiaries.

Aside from those revisions, the company’s underwriting guidelines remain largely unchanged. They continue to exclude a range of risks, including vehicles used for rideshare or delivery services, vehicles with extensive modifications, applicants with recent fraud or misrepresentation, drivers with excessive accidents or major convictions, and applicants seeking coverage for vehicles principally garaged outside Georgia. The program also maintains a 20-point eligibility limit for both new and renewal business based on drivers’ accident and conviction histories.