Legacy Pacific Insurance Services

This is the most unreliable car insurance ,

I was recently in an accident and Legacy is doing a very poor job of managing my claim, even with our car in a tow yard. I'm not the owner of the vehicle so unfortunately I couldn't call my insurance, State Farm. I've been dealing with my girlfriend's insurance, Legacy, for one week now with very little progress. So far, I've received a call from two other insurance companies that were handling the claims for the other drivers involved. They offered their sympathies when I explained my situation. My girlfriend will be joining me with State Farm once this mess is resolved.

To whom it concerns,
 
I have had detailed conversation with Ms. [redacted] this day September 1st, 2016 at 10:05 A.M.
I have personally explained our process to submit an injury claim as outlined in the attached letter.
I have explained what is needed to pursue loss of wages as a result of any injury sustained in this incident.
I have provided her the information for her adjuster and where to send documentation upon completion of treatment.
Ms. [redacted] verbally confirmed her understanding of this process. She agreed that all of her current questions have been answered and that there were no others as of this date.
Her claim is pending the submission of the required documents.

This company does not insure their members at all. Beware of their practices because you are paying for nothing. The only assurance they provide is that they will cash your check.

I have received the check that represents only the damages to my car. I have not received the letter noted in the last of your letter. Please be advised that I am currently seeking medical treatment as a result of this...

accident.  The only thing that I have received in the mail from your company is a check for the damages along with the estimate and a cover letter. I have also sent a demand for payment letter to Mr. W[redacted] of your offices in regards to the money owed for the car. Please be advised I am legally entitled to compensation for missed time from work, medical bills and miles, and pain and suffering for which details will be sent at a later date as I am still seeking medical treatment.  
Thank You

I do not accept the response made by the business to resolve this complaint for several reasons.  First, I was never informed of the need for your policyholder's cooperation.  If calls with Legacy are in fact recorded, Ms. G[redacted] would hear that all Ms. S[redacted] kept repeating is that "the investigation has been completed and there is no coverage at this time." I repeatedly asked Ms. S[redacted] what that meant.  She NEVER explained that she had not confirmed the incident with Mr. S[redacted]. Secondly, I have not received any written correspondence other than the letter dated May 9, 2016 which confirmed that I had opened a claim with Legacy as a result of being rear-ended by their policyholder.  I demand to know WHEN this position was reiterated by mail as Ms. G[redacted] alleges.  Lastly, Ms. G[redacted]'s response does not indicate whether Ms. S[redacted] was addressed in the way she treated me.  I NEVER used inappropriate language with Ms. S[redacted].  Once again, this can be confirmed in the recorded calls.  I only became agitated and raised my voice AFTER she hung up on me the first time and then proceeded to talk over me when I asked to speak to her supervisor.  Also, I still have not received a call back from anyone at Legacy to discuss my concerns about their employee.  Is this how Legacy trains their employees to handle calls that need to be escalated? To simply hang up on the caller?? That is ridiculous and outrageous.  Furthermore, Ms. S[redacted] has failed to make herself available to my insurance company who has been trying to get in touch with her regarding my claim!

Please find our response to your request for assistance.

We are in receipt of your letter dated June 2nd, 2016 regarding the above noted complaint. It is always Legacy Pacific Insurance Service’s intent to settle our claims in a fair and reasonable manner. We handled the referenced claim based on the facts and information presented by Ms. R[redacted]....

As of this writing we have yet to confirm this loss’ occurrence with our policy holder.  It is necessary to have the cooperation of our policyholder for purposes of coverage and liability determination. Additionally, we have complied with the requisite [redacted] Department of Insurance regulatory requirements with regards to Fair Claim Handling Practices. We informed Ms. R[redacted] of the claim status and the need for our policyholder’s cooperation when a loss is devoid of a police report or witnesses.  We have reiterated said position by mail and telephonically. The Company does not condone the use of inappropriate language from either its staff or claimants.If you have any questions or would like to discuss this further please contact the undersigned.  Sincerely,Legacy Pacific Insurance Services for Arizona Automobile Insurance  Company

Legacy Auto Insurance is a scam! They are taking people's money but not providing insurance coverage. They need to be put out of business for fraud. I just cancelled my policy with them since they have yet to return my phone calls or offer me any help in the process of my claim after almost a month of the accident.