Fred Loya

Fred Loya will do everything they can to minimize their portion of ANY claim submitted to them. The adjuster refused to return calls and delayed the acceptance of fault for over a week to keep from having to pay for my rental vehicle. They eventually accepted fault, but only gave me $40/day for a rental after the accident took my 2014 Toyota Tundra 4x4 completely out of service for 3 weeks and they will only cover 2 days of rental! I am out over $1,000 for an accident that was not my fault! How is that fair?

This insurance is playing with the customer. I have full coverage & I got rear end. They make it my car total loss so they won't pick up my car without pay me or make me an reasonable offer so I told them, “Why you won't pick my car,” so they send me a very low. I pay 15.000. They offer me 10.300. I went to Kelley Blue Book & price is 13.000. They still want to not give me at least 12.000. This not fair low value insurance. Never in my life I will do business again.

I have been getting auto insurance through Fred Loya for a while now. My vehicle was broken into & I filed a claim with them. The insurance adjuster told me to file a police report, then to go to an auto repair company to get an estimate for the damages to be repaired. I followed all of the instructions they gave me & gave them copies of everything. Now they are saying my insurance policy will not cover anything. On the policy I have, it clearly states that I am covered. So now I am taking legal action. Whatever you do, please choose a reliable Auto Insurance Company so you don’t get scammed!

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.

I currently walked in your store in 1201 Woodhaven Blvd. Ste 1233 Ft. Worth Tx 76112. I try to purchase insurance with you all. I got it with ** and employee that worked there. I gave her my money with no problem. So I went to show the car lot they would not accept, my insurance because do a poorly job as an company. Something that I did not know so I try to get my money back. She said no, I was like, "I just gave you cash like 30 minutes ago." I was mad that I as a customer called her manager ** and she said I could not get my money. I will never again ask for your services. I strongly feel l like I was taken advantage of. I am currently looking into legal services.

I have not missed a payment in two years since I've been with them. Missed payment by a couple of days. Called over the phone to make payment and they will not take it. I have to go in a office and pay. No loyalty whatsoever.

I paid my insurance the day it was due, Fred Loya stole another payment the next day. Then when I called to get a refund a worker told me that all they could do was “credit it over to the next month.” Remind you I’m on a month to month plan. It took me going up there in person to act a fool in order for them to just agree to a refund. They told me it would take 3-5 business days, today makes the 5th day yet I STILL HAVENT RECEIVED MY REFUND.

My Mother was hit at a red light from behind. The woman has Fred Loya Ins. My Mother is 82 years old and they are refusing to pay for her rental car for the remainder of the time it takes to fix her car. They are accusing the Ford Body shop of falsifying documents. How does Mr. Loya sleep at night with his name on insurance that would hurt an 82 year old woman? I have always heard bad things and read very few decent reviews about this company. The claims department was quick to start the claim; but has obviously decided not to pay what they owe.

I have been buying auto insurance for 45 years and have never seen a company nickel and dime a customer like they do. Most auto insurance companies take only a few days to get you a LOE (letter of experience) which is what some insurance companies want from your previous insurance company to show you have not had any lapse in your coverage.

I have never dealt with a shadier insurance company. I recently got backed into by a Fred Loya policyholder. She claimed responsibility and she knows she backed into me and I had the right of way even if my truck was moving forward. But, I was stopped 6 feet behind her for at least 30 seconds as we were both exiting a driveway onto a residential street. So, even after their own client tells them the truth about the accident, good ole Fred Loya adjuster comes back saying “it’s a 50/50” and refuses to claim responsibility for their customer. She’s even called them countless times to tell them it was indeed her fault. My only recourse now is to file with my own insurance through my comprehensive coverage and hope they can recoup my deductible and out of pocket rental car costs. I guess like everyone else on here “don’t get hit by a Fred Loya consumer” and if you do don’t waste your time with them!!! Call your own insurance and file a claim.

On May 29, 2018 a customer of Fred Loya who was at fault for the accident, he accept the guilt, hit my car and they not been paid yet. Fred Loya says that his client did not want to cooperate and that's why they did not pay me. Your client hides something. The adjuster is a spoiled person, not professional, rude and does not know how to treat people. It is the worst insurance company that exists. I have not been paid and two months have passed. My auto continuous crash and they do not pay because their customer does not want to cooperate, his customer hides something. They are irresponsible, liar, do not pay, the adjuster is a bitter and the researcher of the case does nothing. They are the worst.

What a bunch of bull. Fred Loya Insurance admitted full liability months ago but refuse to pay out to Geico or my deductible, stating it's still in subrogation. Thank God for Geico replacing my car; you won't catch me dead recommending Fred Loya or any of their related companies to anyone.

The worst insurance company ever! Every time I have had to deal with them they have been rude. They never want to work with you and do everything at their convenience. Not yours! They could care less if they lose business with longtime customers. Now imagine new incoming customers! DO NOT GET INSURANCE THRU FRED LOYA/NATIONAL INSURANCE! I spoke with more than one person to let them know if I didn't get the help I need I was going to contact the Better Business Bureau! The representative told me that if that's what I wanted I could do that. THEY DO NOT CARE!

I received horrible service from Fred Loya. Office staff inefficient, unprofessional, uneducated and try to scare people to doing what they want. In addition, terrible claims service. Reps don't follow-up or say they will call and don't. I experienced an accident in which I was not at fault. Fred Loya denied and closed my claim without advising me. I requested it to be re-opened to no avail. They did however offer me possibility of filing claim on my insurance. Stated my insurance would not increase. I declined. They also failed to give the other insurance my statement. I had to do all the work. Contacted other insurance and provided all info requested. The other insurance took care of me.

** - Employee (Female Mid 50s) at Fred Loya Insurance at 6708 S Cage STE C Pharr, TX , 78577. Very bad service from both employees, Ms. ** changed my quote price as I came into their location to purchase a quote given to me the day before. Service quality declined further after her first question which was, "Are you self employed?", to which I answered, "I own 3 online businesses and keep a full time job at **". True question should have been, "Do you use your vehicle for your businesses or to travel to your job on a daily basis?" In order to assess my use for the newly acquired vehicle. She kept on repeating that she would charge more and modify my account so no other location or agent could sell me their policy which was quoted the day before.

I was side swiped by a Fred Loya client. The client was trying to pass off previous vehicle damage onto me. This client lied to the police officer, my insurance company, and Fred Loya insurance. I talked with Lena of Fred Loya and she told me to send in pictures and to bring the car in so they could assess my damage. The next day Fred Loya called denying my claim without seeing my car or any of my pictures. THIS COMPANY IS VERY SHADY not to mention unethical!

I was hit by a Fred Loya customer. They refused to get me a rental car. They sent my car across town to their preferred auto shop and told me that if I take it anywhere else I wouldn't be covered. Then the medical portion of it told me that NOTHING is covered but services provided that same day. So now I have bill collectors coming after me and Fred Loya won't pay a dime. Their agents are rude and are downright abusive. I had to file a claim under my own insurance to get my car fixed. I am out around 5K. They treat you like you are the enemy and trying to scam them. I am filing a complaint with the Division of Insurance. Terrible customer service and they don't honor the LAW. This is a shady outfit. I don't know how they are still in business.

On April 18, 2018 got an estimate with Nataly for Liability Auto Insurance: Policy, $156 for 3 months and to be deducted from my Bank Acct. So today April 19, 2018 went to sign up to one of their locations and Judy said, they change the policy to $183. According to them because I stop 3 times when driving my car. So the more stops I do, the more they charge? I called the 1-800 and they said can't open a policy for me at this time. This is ridiculous.

I was rear-ended by one of their customers. They told me that everything would be covered, but when it came to paying out they refused to pay out in full. My body shop Maaco was in contact with them, told the insurance company that the two day estimate to get it fixed was not realistic due to workflow and ordering parts, and that they completed the work as quickly as possible. Even with this they would not pay out for how long I was without a car and I got stuck with a bill. This insurance company needs to be investigated. They rip people off who their customers hit.

I got hit by one of their customers and I had to do their job. I had to call them. I had to keep calling because every time when they were supposed to they never did. It was always next day or tomorrow. My car got totalled and they want rip me off on the price. I paid $1500 for the car and they're paying me $1300!!! Not including the price I paid to get it registered and expected. The associate over it didn't even call me. I had call him and he rude the entire time. He chuckled when I explained I paid the amount for it and I pointed that out. He ignored it like it never happened. They think amount but it's something to me since I missed work thanks to their customer and had trouble getting there cause they took so long. If I need insurance for a new car it won't be with them. Should hired a lawyer.

I had full coverage with Fred Loya. My car would not start in the morning. It needed a new battery. I had to get to work. I called the person renting my basement as they had an extra car to see if they had a spare key and if I could borrow their car. They did. I used their car and got in an accident. My insurance was supposed to cover a loaner car. They denied it. Now the other insurance company is trying to take my license. Fred Loya then would not insure me saying I was uninsurable, but they added me to the insurance of the person renting my basement without even letting them know.

I was in a fender bender with someone insured by Loya. They are non-responsive and I made sure all correspondence was in email. They went so far to lie to me about contacting my body shop and told me my shop padded the estimate. LIES. This would have been big trouble for body shop had I not investigated, my shop offered to go on a 3-way call. Loya refused. I might add they took 100% liability for the accident. I only wish enough people would join a class action lawsuit and STOP Loya from screwing people. They should be fined and/or closed for the unethical practices.

Fred Loya sucks. As we got hit by one of their people who had Fred Loya that didn't want to pay the medical bills or for my car being total. I went to mediation and Fred Loya showed up without their people who can say yes or no on the money. They play games and that's what this company is. All games. Go get State Farm insurance. A little bit more but they take care of their customers. I got a rent a car that paid to get my car fix. They say you get what you pay for. Cheap insurance cheap and sorry company. I will never do business with Fred Loya and hope y'all done. Either put this sorry company out of business. My next step is calling the BBB Better Business Bureau on them. You make sure they go out of business.

I've had auto insurance thru Loya Insurance for about 10 years. My policy canceled cause my automatic payment didn't go thru. I called them, paid over the phone, stepped into their office to sign paperwork and that was that. I had roadside service before it cancelled, because they asked me if I wanted it. When the policy cancelled, so did the roadside service which I understand. They didn't ask if I wanted to include it again and I figured everything went back to what I had before since there were no questions asked. Now I need a tow truck and have no roadside service. After 10 years you'd think I'd get more than a "unfortunately..." I'm super frustrated with them.

Fred Loya has cheap insurance prices for their customers, but if you get hit by their insured vehicle don't expect for them to accept your claim, even if they were at fault. I got hit on the side of my vehicle while at a Drive-thru. This is their tactic to keep their prices down.

I’m having an issue. I had an accident and my car was in the shop since December 18th 2017 and was deemed a total loss just recently on Feb 1 2018 partially because Fred Loya didn’t know how to communicate professionally so a lot of delaying was going on then when they finally got ** done they deemed it a loss. Then they had me come in and sign the release paper at the body shop so they can pick up my car and so that the total loss adjuster could come out and pay me out for my car and now that’s on hold 'cause they are investigating the other vehicle 'cause their damages don’t match mines as if to say the other party is trying to get damages fixed that was already there.

Previously I was a customer at Fred Loya. I had 3 claims that's still unresolved. They promised in the contract. They never came through, after sharing my information from my privacy rights on down to sharing my bank account information. They lied and betrayed my confidentiality. They withdrawn money without authorization, after not following through with the promise stated on the contract. I feel like if you got to lie and scam people for your gain for business, and don't follow through. Someone needs to file a complaint, and I am one of them to help get the job done.

A week ago today I was involved in a car accident at 18th & Euclid. A 21 year old girl speeding, ran a red light and we collided. I've been having to deal with my AAA insurance (who I'm also disappointed with); after obtaining statements from two witnesses my insurer FINALLY agreed I was not at fault, however LOYA insurance says their client was not at fault, EVEN THOUGH they also took statements from the two witnesses who saw everything - they were directly behind me AND according to the officer, her statement to him was "I think I ran a red light." Being that I do not have car renters insurance I am SOL for rental reimbursement. Lucky for me my medical expenses were minimal. It's so frustrating!!

I was involved in an accident. The person that hit me was an insured of Fred Loya, on 12/28/2017, today 01/30/2018 still no car and my parents had to come out of pocket for a rental since FL does not supply rentals even if their insured is at fault. The adjuster is NEVER available (David **) his supervisor (Vienay **) is never available and neither is her supervisor (Mauricio **). Then they tell me if I’m not using one of their preferred body shops I would be responsible for getting my car towed to have it fixed plus 40% of the cost of the tow yard (mind you my car had been there over a month) so now I’m out of $939 for the rental and looking at another $400 just to get my car to a place to have it fixed and I was then informed that they would only claim 60% at fault, it was 3 cars involved.

Never have I had such a bad experience as a consumer as with Fred Loya insurance. Their client hit my car. I have 2 at-the-scene witnesses that the LOYA client was responsible for the accident when he hit my car. My insurance has reviewed the information and declared me not at fault when the LOYA insured hit my car. LOYA insurance is refusing to pay my claim stating that I was at fault despite the fact I had 2 witnesses testify that I was not at fault. My witnesses voluntarily stayed at the scene to talk to the police to declare the LOYA insured driver at fault. I will file a complaint with the Colorado Insurance Commission.