Legacy Insurance Services

Was hit by an unlicensed driver who
was driving a car insured by this horrible company. They took 1 week to respond to the claim (Lindsey Padilla who is rude, unhelpful, and arrogant. Honestly shameful behavior) And now all I'm hearing is that they are giving the insured time to respond. It's been almost 3 weeks. Horrible company, with horrible response time, horrible customer service. Wouldn't be surprised if they are up to some legally questionable things. Will probably be pursuing legal action against this sham of an insurance company. I will also be reporting to AZ Department of Insurance as they’re clearly a fraudulent company.

I was rear ended by a legacy costumer and did everything I was supposed to my car was badly damaged the other person's car was not I was told send pictures to [email protected] in which I did and the email keep saying invalid I just purchased my car the day of the accident and saved up all the money I could being a mother of three and one on the way. And was told that they didn't find their coustmer at fault and the claims department are rude and not helpful speak over you. I wish this would have never happened now I'm out of a car and a baby due in a month

Mr [redacted] ***,We are in receipt of your 2nd request for resolution regarding the above noted claimIt is always our intent to settle our claims in a fair and reasonable mannerIn review of your concern received January 4th, we have attempted to reach you accordinglyAs of your most recent request via Revdex.com in addition to your verbal consent we have sought your sister [redacted] to discuss the matters at handPlease see the noted.The following was discussed: On January 12, 11:A.M I discussed our obligation under the policy.Specifically:A We have mailed out a total loss offer package, which requires the registered owner to review and determine the best option for settlement (i.eowner retained or insurance retained)Upon the registered owner’s decision and option taken, we may require the salvage titleUpon receipt, we will pay the claim accordinglyB [redacted] has never been excluded from your policyUpon receipt of your contractual agreement with us, you were listed as the sole policy holderOn 12/15/ [redacted] was added as an additional driver to your policyDocuments were mailed for your review and record.On 12/22/We advised [redacted] that at your option as the primary policy holder, you would need to exclude [redacted] on the policy should you choose to do soAs of this writing we have not been requested or notified to exclude [redacted] CLastly, we explained the excess coverage letter you received, to [redacted] You received this letter to protect/inform you that damages to the other driver’s vehicle may potentially exceed your limit of liabilityWe request you notify us immediately, should you be served with a lawsuit if there are excess damages over your property damage limit of 10,This letter is customary, to protect your interestAs of this writing, [redacted] reiterated her understanding of your claim status, the next steps, coverages provided and our process for the letter you receivedShe had no additional questionsShould you still have questions regarding any of the above noted information, please contact the undersigned directlySincerely, Legacy Insurance Services for Arizona Automobile Insurance Company

I recently had a claim and you have a pretty bad Customer ServiceStartin with the individuals taking the Claim and the worst was my Adjuster Stephanie SuarezIf you want to make your business grow, star with Customer Service, Stephanie was not giving all the information she needed to closed my claim, I had to take the words out of her mouth to find out what it was she needed and I did all the leg work to closed my claimAnd when I talk to her I could hear in her voice how bother she was when she was talking to me, WORST EXPERIENCE EVER

"Arial May 20, Revdex.com N12th Street Phoenix, AZ RE: Complainant : [redacted] Our Insured : Alejandro [redacted] z _ Claim # : SD [redacted] Date of Loss : 4/28/ Complaint ID : [redacted] Dear Conciliation & Engagement Specialist We are in receipt of your letter regarding the above noted complaint Please note the following: This claim was reported to us by [redacted] on April 28, Neither our policyholder, [redacted] nor the listed driver, [redacted] reported the loss to usWe needed to speak with our insured to confirm the reported facts of loss / loss occurrence During our investigation of this claim we had made arrangements to have [redacted] vehicle appraised As of May 19, we had completed our investigation and had received [redacted] ’s vehicle appraisalOn May We spoke to Ms [redacted] telephonically and discussed the following: The claim status Our supplemental repair and rental reimbursement processes Obtained the body shop name that she selected to have repair her vehicle, [redacted] We requested an indemnity check payable to [redacted] and Precision Auto Body and mailed it to Ms [redacted] to address her vehicle’s respective damage If you have any questions or wish to discuss the matter further, please feel free to contact the undersigned Sincerely, Legacy Insurance Services for Arizona Automobile Insurance Company Linda T [redacted] Casualty Claim Manager, Ext ***

On 12.31.14, Company received a report of loss, in which an independent appraiser was assigned the following business dayOn 1.16.15, the Company issued a check made payable directly to MrVizcarra for all known damages less his deductibleOn 1.22.15, the Company issued a supplemental check to [redacted] for supplemental damages discovered during the repair of the vehicleThis check was reissued on 2.5.15, one day after the company was notified by the body shop was not in possession of the original check.In review of our files, there was no allegation of fraud determined during our investigation of the claimThe reason the body shop released the car was due to our working directly with them for payment of the supplemental damagesIt appears Mr [redacted] concerns were a result of the delay of the supplement claim check having to be reissued

Earlier I posted a review about my claim being deniedI received a phone call from the assigned Adjuster, K D [redacted] on this case later this afternoon who cleared up some information that I hadAparently I had been leaving messages at the wrong number (the insurance Agent rather than the Company)She then handled my case, requested the information (police report) and begin to process my claim in a prompt and respectful mannerI stand corrected in my above filed statementShe was very helpful and willing to correct the issue

May 20, Revdex.com N12th Street Phoenix, AZ RE: Complainant : [redacted] Our Insured : Alejandro [redacted] z _ Claim # : SD [redacted] Date of Loss : 4/28/ Complaint ID : [redacted] Dear Conciliation & Engagement Specialist We are in receipt of your letter regarding the above noted complaint Please note the following: This claim was reported to us by [redacted] on April 28, 2016Neither our policyholder, [redacted] nor the listed driver, [redacted] reported the loss to us.We needed to speak with our insured to confirm the reported facts of loss / loss occurrence During our investigation of this claim we had made arrangements to have [redacted] vehicle appraised As of May 19, we had completed our investigation and had received [redacted] ’s vehicle appraisal.On May 2016We spoke to Ms [redacted] telephonically and discussed the following:The claim statusOur supplemental repair and rental reimbursement processesObtained the body shop name that she selected to have repair her vehicle, [redacted] We requested an indemnity check payable to [redacted] and Precision Auto Body and mailed it to Ms [redacted] to address her vehicle’s respective damage If you have any questions or wish to discuss the matter further, please feel free to contact the undersigned Sincerely, Legacy Insurance Services for Arizona Automobile Insurance Company Linda T [redacted] Casualty Claim Manager, Ext ***

The response received Thursday stated Legacy Insurance was pending me sending over more documentation for review and then I would be hearing back from Beth P [redacted] after receivingThe Revdex.com response was sent out Thursday afternoon, on Friday 5:PM I sent the following documentation to the same email address [email protected] as requested prior for documentation to be sentI am aware of business days and that's why this response has been pending, but wanted to get within the seven day period as stated by Revdex.comPlease have Beth and Marvin review the documents and suggestion for diminished value for claim CAZ- [redacted]

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you
may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
Damian C***ta

Good Morning,I was contacted by Annette at Legacy Insurance and I requested that she speak to my sister *** as that, I have a speech impairment and need an interpreter The business acknowledged that *** reached out to them I ask that they ( Legacy) speak to my sister on my behalf for the the reasons aboveI believe that my complaint alone states the issues I have and that the response should be something like, yes we are going to perform as the policy states and or give a reason why they are not able to perform I paid my premiums, it was an accident on my sisters behalf I was insured at he time of incident and the claim should be satisfied I see from previous complaints that this is always there response( contacted Joe many times and can not be reached) With technology these days there are several way to contact me If I cant be reached then send me an affidavit to submit my response like the good old days Everything in writing as that, they supposedly cant reach me.Secondly, I received a notice in the mail last Friday stating I did not have enough coverage on the liability side I also have a concern with that as that, once again I paid full premiums for full coverage and that the agent at Freeway Insurance should be at fault as well They made an error and I should not be the one to be at fault I was in their office to exclude *** from the policy since her license were suspended on 12/3/ I was in lobby waiting for Miguel to get off a conference call with all the Mangers at each agent officehe corrected all Managers get more policies! The greed could have caused them to insure without paying attention to the needs of the insuredStill,I want the business to perform as requested and stop playing games that I cant be reached I been calling them for months

I still am not satisfied with this businessNothing has been resolved as of this dateIt has been one month since I was hit by one of their insuredTheir insurance was current and they still have to find out if my damages will be covered? This shouldn't be taking this longEverything with this company has been like pulling teeth

Mr***, I have attempted to reach you multiple times and most recently had conversation with ***, who indicated she would have you call me directly to discuss and address your concerns and questionsPlease find the enclosed response for your review and kindly contact me direct at your
convenience. Annette G***QA Claims Analyst Manager Legacy Insurance Services | a member of the Western National Insurance Group** *** *** *** ** *** * ***
* *** *** * * *** *** * * *** ***

Please find our closed response for your record and reviewOur decision of liability and coverage will remain as notedFeel free to submit any additional information which would lead to an alternate decision

Ms***, We were in receipt of your notice of loss on March 27th, 2017, and remain within our regulatory guidelines to make initial contactAs discussed on April 7th, 2017, our claim is pending a coverage and liability investigationWe have since been able to confirm loss facts as you
reported and obtained your version of eventsA damage estimate has been received today April 17th, 2017. We will be in review of its accuracy and assure that it was estimated within industry standards and proper pricingWe continue to evaluate the claim for coverage and will apprise you as to our outcomeIn the meantime, please feel free to reach our office with any additional questions Regards, Annette G*** QA Claim Analyst Manager

Please find the enclosed response to your inquiryIt is my understanding that you have talked to *** *** *** *** regarding the matterPlease find our response as related to your concern.Dear
Mr***, We are in receipt of an inquiry
dated October 3rd, as directed to the RevDex.com
regarding the referenced matterIt is always Arizona Automobile Insurance
Company’s intent to settle our claims in a fair and reasonable mannerWe believe the following is
relevant regarding how we arose at our claim decisionHereunder, kindly find
the facts that determined our claim decisionClaim
Facts:** *** *** ** *** ** *** ** * *** ** *** *** *** *** *** *** *** *** ***
*** *** *** *** *** *** *** *** *** * *** ** *** *** *** *** ** *** *** ***
** *** *** ** *** ** *** ** *** * *** *** ** *** *** ** *** ***
** *** *** *** ** *** ** *** *** *** *** *** *** *** *** *** *** *** *** *** *** ** *** *** ** ***
*** ***
*** *** *** ** *** *** *** *** *** *** *** ***
** *** *** *** *** ** *** *** *** ** *** *** *** *** *** * *** *** ** ***
** *** *** ** *** *** ** *** ** *** ** *** *** *** *** *** *** *** A
review of your vehicles damage was completed by a licensed and experience
appraiserOur estimate showed no frame or hard structural damages to the
vehicle, therefore an additional check in the amount of $was issued for
diminished value.As
of this writing, we have not been in receipt of any additional information on
which to premise additional payment ownedIf you have any additional
questions, please feel free to contact the undersignedSincerely,Legacy Insurance Services for Arizona Automobile Insurance Company

MrC*** Kindly find the enclosed response as related to your loss. Regards, Annette G***QA Claim Analyst Manager

The response received Thursday stated Legacy Insurance was pending me sending over more documentation for review and then I would be hearing back from Beth P[redacted] after receiving. The Revdex.com response was sent out Thursday afternoon, on Friday 5:38 PM I sent the following documentation to the same email address [email protected] as requested prior for documentation to be sent. I am aware of business days and that's why this response has been pending, but wanted to get within the seven day period as stated by Revdex.com. Please have Beth and Marvin review the documents and suggestion for diminished value for claim CAZ-[redacted].

Please find the related response.

May 20, 2016     Revdex.com 4428 N. 12th Street Phoenix, AZ 85014   RE:       Complainant      :           [redacted]...

            Our Insured       :           Alejandro [redacted]z _          Claim #             :           SD [redacted]             Date of Loss     :           4/28/16             Complaint ID    :           [redacted]                 Dear Conciliation & Engagement Specialist   We are in receipt of your letter regarding the above noted complaint.  Please note the following:   This claim was reported to us by [redacted] on April 28, 2016Neither our policyholder, [redacted] nor the listed driver, [redacted] reported the loss to us.We needed to speak with our insured to confirm the reported facts of loss / loss occurrence.   During our investigation of this claim we had made arrangements to have [redacted] vehicle appraised.   As of May 19, 2016 we had completed our investigation and had received [redacted]’s vehicle appraisal.On May 20. 2016We spoke to Ms. [redacted] telephonically and discussed the following:The claim statusOur  supplemental repair and rental reimbursement processesObtained the body shop name that she selected to have repair her vehicle, [redacted] We requested an indemnity check payable to [redacted]  and Precision Auto Body and mailed it to Ms. [redacted] to address her vehicle’s respective damage  If you have any questions or wish to discuss the matter further, please feel free to contact the undersigned.  Sincerely, Legacy Insurance Services for Arizona Automobile Insurance Company Linda T[redacted] Casualty Claim Manager, Ext [redacted]