The road ahead is unpredictable—your coverage shouldn’t be.
Auto Insurance Expertise at Legacy
Whether it’s your personal vehicle or a fleet of business autos, the right protection keeps you moving with confidence. At Legacy Insurance Services, we help you understand your options, identify your risks, and build auto coverage that reflects the way you drive—personally or professionally.
Core Auto Insurance Coverage Types
Liability Coverage
Required in nearly every state, this covers bodily injury and property damage you may cause to others in an at-fault accident. It’s often broken into:
Bodily Injury Liability
Covers medical expenses, lost wages, and legal costs for injuries you cause to other drivers, passengers, or pedestrians in an at-fault accident. It can also cover pain and suffering or funeral expenses, depending on the policy limits.
Property Damage Liability
Pays for damage you cause to someone else’s property—most commonly another vehicle, but also fences, buildings, or other structures involved in a collision.
Collision Coverage
Pays to repair or replace your vehicle after a collision, regardless of fault. Especially important for newer or financed vehicles.
Comprehensive Coverage
Covers non-collision damage—such as theft, vandalism, falling objects, weather events, or hitting an animal.
Uninsured/Underinsured Motorist Coverage (UM/UIM)
Protects you if the at-fault driver doesn’t carry enough—or any—insurance. Can apply to both bodily injury and property damage.
Medical Payments / Personal Injury Protection (PIP)
Covers medical expenses for you and your passengers, regardless of fault. PIP may also include lost wages and rehabilitation.
Optional Add-ons
Roadside Assistance
Rental Car Reimbursement
Gap Insurance (for financed or leased vehicles)
Custom Equipment Coverage (for modifications, wheels, sound systems)
Rideshare Endorsements (for Uber/Lyft drivers)
How Legacy Supports Your Auto Coverage
Personal vs. Commercial Use Review
We begin by understanding how you use your vehicle—commuting, delivery, sales, or shared driving—to determine the right policy type.Coverage Design Based on Your Risk
We help you select the appropriate liability limits, evaluate deductible options, and determine whether full coverage is necessary.Multi-Vehicle & Multi-Policy Discounts
We structure bundled coverage options when you insure multiple vehicles or combine home, life, or business insurance with auto.Claims Process Guidance
If an accident occurs, we help walk you through reporting, documentation, repair selection, and claim resolution—so you’re not left on your own.Annual Policy Reviews
Driving habits, vehicles, and life circumstances change—so should your coverage. We update accordingly.
Why Legacy Drivers Are Better Protected
Independent market access means we find the best carrier match—not just what’s available from a single provider.
Tailored risk assessment means we don’t over-cover or under-insure—we fit your policy to your actual needs.
Relationship-first support means when you call, you reach someone who knows your name—and has your back.
What Working with Legacy Looks Like
Usage-based review
We evaluate how you use your vehicle(s) and what your true risk exposure looks like.
Full coverage vs. liability analysis
We help you decide what’s worth covering, and what’s not—based on age, value, and exposure.
Personal vs. commercial coverage decisions
We clarify whether your vehicle needs to be under a business policy or personal.
Policy bundling optimization
We help reduce costs through multi-vehicle and home-auto or life-auto bundling.
Claims support after a loss
When the unexpected happens, you’ll have a team that advocates for your recovery.
The Legacy Promise
More than a policy. It's a partnership.
At Legacy Insurance Services, we don’t offer one-size-fits-all solutions. We make a promise—to every client, every time—to walk alongside you with clarity, intention, and genuine care. Because we’re not just protecting your assets. We’re helping you protect your legacy.
