Legacy Insurance Agent Arizona: Your Reliable Insurance Partner
Legacy Insurance Services Inc. is an insurance company headquartered in the beautiful Ahwatukee foothills of Phoenix, Arizona. Founded in 1998, the company has been committed to providing attractive and competitive insurance products to its customers. The key to Legacy’s success lies in its Agent Partners and its people, who are talented, experienced, and customer-service-focused.
Legacy Insurance Services Inc. is a specialist in personal automobile insurance, working closely with its producers to develop products that are attractive and competitive in the marketplace. This focus on product development ensures bottom-line profitability for its business partners and fosters long-term relationships with agents.
The company’s underwriting team plays a crucial role in the success of its insurance products. They are responsible for the extraordinary handling and servicing of policies, which enables Legacy to build long-term agent partnerships that endure the test of time. The underwriting process encompasses all activities after the producer has sold a Legacy policy, including billing, endorsement, and renewal processing. Legacy’s underwriting team is committed to maintaining an outstanding team of underwriters and customer service specialists, pricing policies competitively and adequately, and leveraging all available tools to effectively analyze each risk
Legacy Insurance Services Inc.’s dedication to working closely with its producers and providing exceptional customer service has allowed the company to establish itself as a leader in the personal automobile insurance market. By focusing on product development, underwriting excellence, and long-term legacy insurance agents’ partnerships, Legacy continues to offer competitive and attractive insurance products to its customers.
Legacy Insurance Agent Arizona offers competitive rates for their auto insurance products. Their rates are consistently competitive with the cheapest insurance providers, ensuring that customers receive the best possible coverage at an affordable price.
Legacy Insurance Services Inc. operates in several states, including Alabama, Arizona, Arkansas, Colorado, Georgia, Indiana, Kentucky, Nevada, Ohio, South Carolina, Tennessee, Texas, and Virginia.
Legacy Insurance Services Inc. offers a variety of coverage options for personal automobile insurance to cater to the diverse needs of their customers. Some of the specific coverage options include:
**Liability coverage**: Liability coverage is an essential component of personal automobile insurance, as it protects you in case you are responsible for an accident. It covers the costs of property damage and bodily injury to others involved in the accident. Specifically, liability insurance can be broken down into two categories:
**Property damage coverage**: This coverage pays for damage to another person’s property, such as vehicles, yards, light poles, or other property damaged as a result of the accident.
**Bodily injury coverage**: This coverage pays for costs related to injuries for which you are legally liable. It can cover medical expenses, lost wages, pain and suffering, rehabilitation services, and in-home healthcare services for the injured party
Liability coverage is required by most states to legally drive your vehicle, and it provides important protection for drivers in case of accidents.
**Uninsured/Underinsured motorist coverage**: Uninsured/Underinsured Motorist Coverage (UM/UIM) is an essential component of personal automobile insurance that provides protection for you and your vehicle in case of an accident with a driver who has insufficient or no insurance. This coverage can help pay for your injuries and property damage in such situations. Specifically, UM/UIM coverage includes:
**Uninsured Motorist (UM) Coverage**: This coverage protects you if you are involved in an accident with a driver who does not have any auto insurance or in a hit-and-run accident. It can cover medical bills, lost wages if you can’t work because of injuries, and other damages resulting from the accident.
**Underinsured Motorist (UIM) Coverage**: This coverage comes into play when the at-fault driver has insurance, but their liability coverage limits are not high enough to cover the costs of injuries or damages resulting from the accident. UIM coverage can help pay for medical expenses, pain and suffering, funeral costs, and lost wages if you can’t work.
By including Uninsured/Underinsured Motorist Coverage in your personal automobile insurance policy, you can ensure that you are protected in case of an accident with a driver who has insufficient or no insurance, providing you with peace of mind and financial security.
**Collision coverage**: Collision coverage is a type of auto insurance that helps pay for the repair or replacement of your vehicle if it is damaged in an accident with another vehicle or object. This coverage is not dependent on who is at fault for the accident, meaning it can provide protection even if you are responsible for the collision.
Collision insurance covers a variety of accident scenarios, including:
– Collisions with other vehicles
– Collisions with objects, such as fences or trees
– Single-car accidents that involve rolling or flipping over
– Damage caused by hitting an obstruction in the road, such as a pothole
It is important to note that collision coverage only reimburses you for damage to your car, not for damage to other vehicles or objects, or for bodily injuries sustained in the accident. Additionally, collision coverage usually comes with a deductible, which is the amount you agree to pay out of pocket before your insurance company covers the rest of the costs.
While collision coverage is not required by any state law, it may be required by your lender if your car is under lease or loan. Even if it is not required, having collision coverage can provide financial protection and peace of mind in the event of an accident.
**Comprehensive coverage**: Comprehensive coverage is a type of auto insurance that provides protection for your vehicle in case of damage from events other than collisions, such as theft, vandalism, fire, or natural disasters. This coverage is designed to help pay for the repair or replacement of your vehicle if it is damaged due to non-collision events.
Some examples of situations where comprehensive coverage would apply include:
– Theft of your vehicle
– Vandalism or malicious damage to your vehicle
– Damage from a fire
– Damage from natural disasters, such as storms, floods, or hail
– Damage caused by falling objects, such as tree branches
– Damage from hitting an animal, such as a deer
Comprehensive coverage is not required by law, but it may be required by your lender if your car is under lease or loan. It is an optional coverage that can be added to your insurance policy to provide additional protection for your vehicle. By including comprehensive coverage in your personal automobile insurance policy, you can ensure that your vehicle is protected against a wide range of potential damages, providing you with peace of mind and financial security.
**Medical payments coverage**: Medical Payments Coverage, also known as MedPay, is an optional component of personal automobile insurance that helps pay for medical expenses for you and your passengers in case of an accident, regardless of who is at fault. This coverage can be particularly useful in providing financial protection for initial medical expenses related to an accident.
Medical Payments Coverage can help cover a variety of medical expenses, including:
– Doctor visits
– Emergency room visits
– X-rays
– Chiropractic services
– Funeral expenses
MedPay applies to you, your relatives living in your home, and your passengers. It can also provide coverage if you are injured in an accident while in someone else’s vehicle or while being struck as a pedestrian. It is important to note that Medical Payments Coverage does not cover damage to other vehicles or objects, or for bodily injuries sustained by other parties in the accident.
While Medical Payments Coverage is not required by law, it can offer significant financial protection and peace of mind in the event of an accident, especially if you already have medical insurance, as it can help cover expenses that may not be covered by your primary health insurance.
Customer Reviews and Ratings of Legacy Insurance Services Inc.
Legacy Insurance Services Inc. has received mixed reviews from customers on platforms like Yelp and Better Business Bureau (BBB). On Yelp, the company has a 1.0-star rating based on 11 reviews, while another Yelp page shows a 1.0-star rating based on 28 reviews. Some customers have reported negative experiences, such as difficulties in communication with adjusters and dissatisfaction with the handling of claims. On the other hand, the company has a 3.5-star rating based on 6 reviews on another Yelp page.
On the Better Business Bureau website, Legacy Insurance Services Inc. is not BBB accredited and has a total of 23 customer complaints. Some of these complaints involve issues with billing, product or service problems, and dissatisfaction with the handling of claims. However, it is important to note that the nature of complaints and a company’s responses to them are often more important than the number of complaints.
Competitors of Legacy Insurance Services Inc.
Legacy Insurance Services Inc. differentiates itself from its competitors by specializing in personal automobile insurance and distributing its policies exclusively through independent insurance agents. The company focuses on working closely with its producers to develop attractive and competitive products in the marketplace, ensuring bottom-line profitability for its business partners. Additionally, Legacy’s underwriting team is committed to maintaining an outstanding team of underwriters and customer service specialists, pricing policies competitively and adequately, and leveraging all available tools to effectively analyze each risk.
When it comes to the claims process, Legacy Insurance Services Inc. is committed to providing a simple and straightforward experience for their customers. They investigate every claim, explain what is and isn’t covered, and pay the claims they owe promptly. To report a new claim, customers can call (888) 265-7689, and for questions or status updates on an existing claim, they can call (877) 477-9777