Fred Loya

Do Not Use Fred Loya. If you are injured and they are the Insurers save yourself a headache and get a lawyer and go for the max. Terrible business. Adjusters lie and lie and lie, will make up anything to not settle your claim or drag it out 'til the statute of limitations is up.

Fred Loya Insurance is by far the worst insurance company that I have ever had to deal with. Customer service is and has been terrible from day 1. Accident occurred on June 9th, 2022 (I was rear ended by their insured). After several calls/voicemails left during the duration of about a week I was finally able to get a hold of my claims representative. From the initial pictures, to the original estimate of damages to my vehicle the whole process has been a joke ($4300 according to Fred Loya, Caliber Collision estimated $13,000+).

The hotel was disgusting so I could not stay. I asked for a refund but I have not been able to get a refund. It's like, call this person, they are like, call the hotel, straight runaround. I ended up having to pay out of pocket to get another room at a higher rate and last minute. I would not use this service, there are other services similar to this company. Try your luck somewhere else. This is my honest opinion.

On March 4th I was rear-ended by a vehicle insured by Fred loya. The at fault driver did not have a license and got the ticket and provided fred loya insurance card! However 38 days later of the investigation fred loya won't cover my car damages because their insured car was sold and they couldn't get in contact with the at fault driver!

A Fred Loya customer ran through my fence and destroyed not only the fence but a gate opener and the landscaping. I had to constantly call and finally received a check for half of what the damage came to. In hindsight, I should have let my great insurance company go after them. I think I would have received more and then Loya would have to pay my deductible as well. Would serve them right to have to pay extra. Horrible company.

I created an account just to write this and it seems like many others have suffered through similar fates. The scummiest business I have ever had the displeasure of trying to do business with. I was hit by one of their drivers in a minor fender bender that did $500 worth of damage. I got the driver's info and policy number, contacted this location and they took pictures to send to the adjustor 500+ miles away. I sent along my own pictures and video evidence of the crash to the adjustor and never heard anything. Two months went by and after multiple phone calls, the adjustor finally called me back and said they never received my emails and their driver said their car was never in an accident, despite there being VIDEO PROOF that they hit me, me having all their information, etc.

I was hit by a car insured by Fred Loya Insurance. The driver was driving illegally under aged with 2 toddlers, on the car booster seat without a driver's license, only a Mexican passport. She hit me on the rear bumper. I called police to the scene, but they did not do an official police report because they said no one was injured or intoxicated. Fred Loya only gave me 30% of damages and were nearly impossible to contact by phone and email during the whole scenario. I tried to call them thousands of time but no response. No Good collusion companies like Caliber or Service King will work with them. Please follow the driver and family in this case otherwise only deal them with all your legal rights. I am not sure why government even give license to these type of insurance companies.

Fred Loya is very sneaky with how they word things and what they will/won't cover. Their cheap rates isn't cheap, it's actually overcharging you for liability. On Declaration Pages, it'll show $500 deductibles on your Comp and Collision but in reality, it's $500 to your finance company. It's $1,000 on your Comp and $2,000 on your collision. Basically you're not covered at all because $1,000 on Comp is literally nothing and $2,000 for collision will leave you in debt. They will also refuse to change coverage and unless you threaten to cancel, they will then change the coverage.

On 03/17/2021, I was hit by a car insured by Fred Loya Insurance. The driver was driving illegally without a US driver's license, only a Mexican passport. We were both driving along a 3-lane road--I was in the left-most lane and she was in the middle. She made an illegal left turn from the middle lane attempting to turn into an intersection and caused the accident, hitting the front passenger's side of my car. I called police to the scene, but they did not do an official police report because they said no one was injured or intoxicated. Fred Loya only granted me 70% of damages and were nearly impossible to contact by phone during the entire process. I have left numerous phone messages and have asked to talk to the insurance adjuster and a manager, and no one ever answers or returns my calls.

I was rear-ended in an accident, their client is responsible for the accident. I have filed all the evidence: photos, police reports, my statements. But they can't reach their client. Like they can not contact their client after almost a month of the collision happened. All parties' statements are ready, except their insured. My car is still sitting there unfixed. They gave me an estimate of 1450, but the actual cost of repair is 5900 dollars. They gave low estimate. Trash company with trash insured drivers.