Fred Loya

On September 2010, my daughter and I were rear-ended by a policy holder with Fred Loya Insurance Company. My daughter was taken by the ambulance to the hospital and I followed. There was a police report that stated that the woman who hit us was completely at fault and was an unsafe driver. I filed a claim with my insurance company and they paid for the rental car and my car damages, however, there was no medical coverage. Fred Loya has refused to pay the medical bills or my loss of wages, and all proof has been documented and sent to them. There is now over $5k in medical bills on my credit. They will not respond.

I cancelled my insurance policy with Fred Loya insurance five days after I began it. Policy #72-637920819 due to that fact I no longer have the car. The represented stated that it would be a $50.00 cancellation fee minus the daily cost of insurance. I paid $151.00 for my policy with me only had car insurance coverage for 5 days. I was expecting to receive a refund of $75.00. After three weeks of waiting I received a refund of only $20.10! This is not what I was told in person at the office. This is robbery and unfair. Fred Loya stole $121.00 of my money and I never received any services other than 5 days of car insurance coverage. Not fair! Customer call center was extremely not helpful.

I was involved in an auto accident on November 11,2009. My involvement in this accident was sitting at a stop sign when I was T-Boned by Mr. Burrows, who insurance company is Fred Loya Insurance. My car is driveable; however, my doors are bent outward which means it cannot be driven in the rain as water will penetrate into my vehicle. They said it is my responsibility to protect my vehicle from water damage, there is no way possible to cover this damaged area without making my vehicle safe to drive in the rain.

I have a 2010 Ford explorer Sport Trac. The door frame is edged with the roof line and covering this area with any protective object would be considered unsafe! It has been Ten(10)days since this claim has been filed and yet no action on Fred Loya Insurance. I have called several times to be told that they are waiting on witness statements, another time police reports and so on.

Just how long do insurance companies have to adjust a claim. Shouldn't there be limitations? What really determines whether a car is driveable or not? I have had no access to a loner vehicle due to the hesitation of Fred Loya to commit to fault.