Fred Loya

Finally they accepted liability using just the police report and me calling every single day bugging them about progress. I had already went to an auto body shop and had them prepare an estimate but they required me to go to someone they worked with. The auto body shop quoted my damages at $3200. Fred Loya cut me a check for $870!!! I argued with them and they said that I would need to take it to a body shop and their adjuster would need to walk through it with the body shop before they provide the supplemental amount. They only approved a rental car for 3 days and expected me to leave my car at a shop until they could get someone out there to look at it. I refused and said that I will not leave my car until the insurance payout matches the body shop quote.

It is now 2 months later and I am finally taking my car to get repaired. They bounced me back and forth from this person to that person and even when I requested a supervisor, I still was not pleased with how they handled it. I was in a previous accident (again not my fault) with a State Farm customer and State Farm was amazing! I did not feel they were trying to screw me over at any time but with Fred Loya, I had a bad vibe from the start and it has been nothing but hassle! There was no easy part to dealing with them even in a cut and dry situation like mine. This should not have taken 2 months to resolve and had I not fought and stand my ground to get the proper payout, they would have royally screwed me.

Later I get my car and things were okay for a while. They fixed my car and now 1 year later my car repairs from their shop started to fail. The shop fixed it for "free" under warranty and so on. Now I had to get rid of my car now to having a baby and needed something bigger. I found out during my trade-in process of my car that Fred Loya NEVER explained to me that my car during the accident sustained structural frame damage! This in my CarFax report showed up and the DMV reported my car to be SALVAGED! My trade in value dropped more than $10,000 because Fraud Loya decided to fix my car and never mention that the vehicle should have been PAID OFF especially with my GAP insurance due to a salvageable accident. NEVER PURCHASE FROM FRAUD LOYA!

After many arguments and speaking to one of the tree specialist, Mr. ** finally agreed to reimburse me for the cost of cutting down the tree, as well as the fence damage. In the interest of expediency, I agreed to forego seeking full remediation expenses which would include complete removal of the tree trunk and roots, replacing soil, and replacing the lost tree with a mature red oak. I also agreed to sign a release from any and all further claims regarding this incident.

However, the release sent to me not only released Fred Loya and their client from all further claims, it contained false language that I am unwilling to sign. The original release contained this paragraph: “It is understood and agreed that this settlement is the compromise of a doubtful and disputed claim, and that the payment is not to be construed as an admission of liability on the part of the party or parties hereby released, and that said releasees deny liability thereof and intend merely to avoid litigation and buy their peace.”

The claim is neither “doubtful” or “disputed”. The client and Fred Loya as insurer have clear liability for a DUI one car accident. This paragraph basically states that I filed a nuisance claim without merit and am only being paid to avoid a lawsuit. This is a lie that I am unwilling to sign. It damages my reputation and could cause me problems with future insurers. It is also unnecessary to the purpose of releasing Fred Loya and their client from any further claim or expense. That is fully covered in the other two paragraphs. I deleted this inaccurate paragraph and signed the release and sent it back to Mr. **. Mr. ** is refusing to accept the signed release and pay the remainder of the claim. I have informed him that if I have to press this claim, I will not be foregoing the full amount needed to “make me whole” which would be many thousands more. I feel I am being extorted to sign a false statement in order for my damages to be paid.

This began a very long process with Fred Loya. Fred Loya originally estimated (by taking a photo of the damage) that my damage would cost $27 to fix. They also sent me $75 for a rental car and said, "Thank you, all good." I called the adjuster, which was hard, you need to call multiple times to get them, and explained there as no way on earth the damage was $27. They argued with me that it was just a scratch and I said, "No. There's a very large dent..." And I said, "Well thats because you're taking photos in the sun" etc etc...

The only saving grace is they let me take it to any body shop I wanted, so I went to a trusted place that does claims for big dealerships and State Farm. They immediately laughed at the $27 estimate, and after a week of work it costed over $1100! They also still haven't paid for my rental car which they said they would, which totaled over $400. The adjusters have cute voicemails that say they'll return calls the same day if gotten before a certain cutoff, which is a blatant lie, they never do.

I even had one adjuster switch to his car phone as we were mid conversation and I could barely hear him... Calling their company and dealing with these guys is a nightmare, and ultimate test of patience. They try and cut corners at every level, have horrible customer service, and have one of the worst reputations in the auto repair industry. Pray you never get hit by a person insured with this company, they are dishonest and an absolute waste of time. I got into an argument w one of their adjusters that the $27 estimate was absurd and he fought back endlessly, and called my honesty into question... Well the $1100 bill from a reputable collision repair place is what you can rest on Fred Loya. This place is so dishonest it's probably not gonna last that many more years.

There were more questions about their client, then questions about me that had absolutely nothing to do with determining who was at fault. They never asked what actually happened!!! I am filing a complaint with the Texas Department of Insurance regarding their actions, and obvious intent. Beware of shady companies like this, that take your money and then look for an easy way to deny you the coverage you have paid for!!!

Now it’s up to me to either sue them or fix the fence at my cost. Obviously, they know the other “phantom” driver doesn’t exist and will never be identified. It’s simply a ploy to defer responsibility. It’s a shame companies like Fred Loya Insurance is allowed to sell insurance. Bottom line… I recommend NOT buying your insurance from a scam company like Fred Loya Insurance. Call the other reputable companies that stand behind their word and have much higher ratings. Note that I had to select a star rating in order to post my experience. While I chose 1 star, they actually deserve a 0.

I'm an insurance agent. No fancy words can describe how inhumane and irresponsible these adjusters are. I was sent to the hospital the day of the accident and having trouble recovering. What if I would’ve died? Would they have let him walk away too!! I have customers switching everyday from Fred Loya because of their claim experiences... If you’re considering don’t do it. They might flip it on you the customer and find any excuse to not pay you out!!!

From these photos, an adjuster made an estimate of the damages. I took my car to the auto body shop in the town I am from (I was hit in a different city) where the shop made another estimate of the damages with supplements to the original estimate which cost hundreds more than the check Fred Loya sent. From the moment I told the shop owner who my claim was filed with, he said, "Oh, we are in for a fight with these guys (Fred Loya)." On top of this, Fred Loya did not provide me with a rental car from the day I dropped my car off at the shop (Monday). I and the shop owner had to explain that it is illegal to not provide me with a rental car. So on Friday of the same week, I received my rental. Days pass and I hear from the shop owner that all but the labor was approved on the supplements he sent.

The labor rate in town is $54/hour and the Fred Loya appraiser did not want to pay for full labor and claimed, "the state sets the labor rate and that rate is $50/hour," which is untrue. I was never able to contact the appraiser because she would not return our phone calls and/or messages. Her supervisor also would not answer his phone. I had multiple messages sent to my phone saying Fred Loya was going to stop paying for my rental car because of the dispute between them and the shop on labor rates. This is also illegal because the shop had already begun working on my car.

However, if the shop had not begun work and my car was sitting there collecting dust, this is legal. They were now telling me that the shop that we have worked with in the past and are close with the owner was now going to charge me personally for the differences in labor. On the phone, Fred Loya had already told me that their driver was at fault and they were 100% liable for the damages and will be paying 100% for the costs. If the shop's labor rates had been higher than those in the area, it could be a possibility for the owner of the car to have to pay those differences (but not in this case). I spoke with two other shops on their labor rates. One said $56/hour and the other $54/hour. I had other messages telling me I needed to choose another shop to have my car repaired which is also illegal. I had already signed the line saying that shop was going to fix my car and until they are paid in full for their labor, the shop cannot release my car to me.

I was at the mercy of Fred Loya and the shop coming to an agreement on these labor rates. The next idea Fred Loya hatched was to have my car towed 200 miles south of the town we live in to have the car repaired at "a shop [we've] worked with in the past." ("We" meaning Fred Loya.) At this point in time, my car has been in the shop for 2 weeks, has already been worked on, and the work has been partially paid for. All-in-all, these are the most crooked, insensitive, uncooperative, and dishonest people I have ever dealt with. The workers are inexperienced to the point where one does not know what another has said and there are multiple miscommunications hour-by-hour. The representatives do not speak clearly, and they will make mistakes from the very beginning when trying to spell your name. They told so many lies, they started getting tied up in their own traps.

One girl told us she had been calling the wrong phone number with updates on our rental and when prompted to tell us the number she was calling ended up reading us our correct phone number! We tried contacting the appraiser for the claim multiple times and left messages for her, but she refused to talk to us or return our calls. Her supervisor would not speak with us either. My claim bounced around from adjuster-to-adjuster. Each call we had with them lasted over 40 minutes because nobody knew what was going on and we kept getting transferred to someone else! Let this be a warning, you better get your ducks in a row when dealing with these guys and know your rights because they will try to twist your arm and feed you lies from the beginning. I do not know how the hell these guys are still in business. Good luck to all of you who took the time to read this and may be put in a similar situation.

3.-The adjuster (**) was saying that he or she thought that I had an accident and not a stealing case. What a loser. The police gave me a report and I had pics. I guess they just trying to avoid to paid you and because that they said that they will investigate my case. 4.- I supposed to have 10 rental car days of maximum of $30 a day. The investigation took another 3 weeks and this was the worst part. They ask me what was I doing the night before of the incident (like FBI) and they called all people to confirm what I said and I cooperate but they asked for more and more just with something simple as my car was parked in front of my house and they steal the bumper.

5.- They never finished the investigation and my 10 rental car days they cut it to 8 days for no reason and I had to pay 2 weeks more of rental myself. 6.- Ricardo ** which was one the many adjusters that they switch was the worst. This man should go back to school and learn how to talk. He told me that don't bother him and call him. FRED LOYA should fire this guys. Because of customer service like him I am switching to another insurance. They don't understand that the most important is keep loyal customers for years, not losing them. I don't recommend this Insurance at all. Worst customer service and it is a nightmare. It is cheap but it's why I learn that cheap insurance at the end is a worst decision.

After three weeks finally get the car back and they paid the loan company with which the car was under collateral, only after they state the car was totaled. The tow truck dropped off the car today only to find everything was taken out of the car without my permission. If they were assessing the car then why even open it, especially when they didn't have the keys. And they messed up the door even more than the original hit trying to open it. Both companies are liars and cutthroats. The Carparts females were condescending and tried to talk over you blaming the tow truck driver for the missing items as well as the bent license plate where they tried to pull it off without a screwdriver. This is by far the worst customer service!!! Good luck dealing with both these messed up companies.

On December 2nd, I asked an employee will it be ok if I paid them on December 7th and he told me it was completely fine and the only thing I had to do was bring my car to the nearest office. So I do that and paid them without any problems until they told me to sign something and come to find out they CANCELED my insurance. Their reasoning is that they don’t offer a grace period. This wouldn’t have happened if you didn’t try to take money out of my account twice a month. I’m so sick of these people and they raggedy business, it’s ridiculous how they operate! I already have plans to report them to the BBB in Dallas and the Texas Insurance Commissioner. All they're known for is getting over on people. HOW ARE THEY STILL IN BUSINESS???

I called to get my money refunded back & I had to do all these calls & going into Fred Loya stores when it's their responsibility to do so for me! I got $160 taken out my bank & so I called to get that refunded & yesterday I received my check & only $91 was sent back! What the actual **!? I'm mindblown on how ridiculous this is! I can continue all day about how they suck, but I'll be nice to leave it at that. DO NOT GET THIS INSURANCE! THEY WILL SCAM YOU.

So after those 3 days they would not pay for my loaner car. They also blamed me for having the wrong information on the check that they sent when I specifically asked if only my name would be on the check and they said yes. So I now have to wait 2 days for the checks to be voided and resent so my car will be released from the body shop causing me to have to pay for the rental for 2 days. Nothing but stress and disappointment. I would give no stars if that was an option.

Also a supervisor adjuster promised to keep me updated and all they did was state that this claim was under arbitration and they promised to call me back... Never has happened. They were always quick to call whenever the payment was due a few days prior. Most of their staff they hire is unqualified young untrained employees whom don't seem to know nothing about car insurance. I filed a complaint with the insurance bureau of Los Angeles California and FRED LOYA was quick to write a report with lies to cover up any bad doings. TO anyone considering this insurance company stay away and don't waste your money nor your time. All these bad reviews should tell consumers something. STAY AWAY!!!

Original review: I am currently insured with this company and on July 23 I was involved in a accident which I was not at fault at. Today is Sept 28 and still till this day they have not done anything firm to get the other insurance company to fix my car. Almost 2 months that my car has been sitting wrecked and collecting fees. The day of the accident, they refused to provide me a tow-truck which my policy states that they cover also a place to store my vehicle, which they policy also states that they cover. Throughout this whole nightmare, I have had to do most of the work for my insurance adjuster, contacting the other parties insurance, finding information and when I have called my Fred Loya adjuster at times my calls are ignored, passed on to other people or usually I am given the runaround. At times, you can even hear people laughing over the phone at their customers when you try to ask serious questions.

My adjuster even advised me to go out on my own and try to go through small claims court to recover any damages. I feel that if I am paying for my insurance they should be helping me out as much as they can . Especially on a car accident for which I am not a fault at?? FRED LOYA INSURANCE leaves me wondering how they continue to pop up left and right at most shopping center which such bad customer service. They are quick to call you when your payment is almost due, but when you really need them... they don't seem to really care. Overall this has been a nightmare. Never, NEVER, NEVER have I dealt with an insurance company that has lagged this long. I would not recommend them at all!!!