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About Fred Loya
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Fred Loya offers auto insurance to customers in 10 states, mostly in the southern and western parts of the United States.
Pros & Cons
- Full-service and proprietary offices where people regularly go
- Claims program that allows you to get paid on the day of filing if all requirements are in order
- Affordable rates for non-standard insurance
- Agents required to settle physical damage claims within 24 hours
- Coverage for drivers of high-powered sports cars, custom built cars and other specialized cars
- Claims processing times can vary
- Available only in 11 states
Fred Loya is a Texas-based car insurance company that serves 11 western and southwestern states. It offers both standard and non-standard insurance regardless of driving record or credit standing. Customers appreciate their affordable rates.
Fred Loya Reviews
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Horrible customer service. No way to email with staff. Aggressive on the phone. Awful with claim service. Lowball values on claims. Worst service recovery. Abandonment. Don't call you back. Disrespectful.
I would not recommend Fred Loya Insurance to anybody. Worst Customer Service. They also have tendency to abandon your vehicle at repair facility once the vehicle becomes Total Loss and or if they do not agree with Repair facility Hourly Labor Rates. Do not buy policy from Fred Loya Insurance. Your worst nightmare. Be Aware.
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Whenever you are involved in a accident with one of their insured no matter how small the damage CALL THE POLICE...CALL THE POLICE. Their drivers are unlicensed and will lie about the accident. Was involved in a auto accident on March 6th with one of their drivers. I didn't call the police because it was a minor incident. We exchanged information and I thought this process would be smooth and simple. He never called his insurance company to report the accident and they weren't able to reach him for over a month. When they did speak to him he lied about the entire incident despite all the red flags from their insured they denied the claim.
I wouldn't wish this garbage insurance company on my worst enemy. Instead of them calling me to let me know what was going on I had to reach out multiple times. If they had reached out to me like they should have they would have known I have dashcam footage on the incident, so now I no longer want to work with them on any repairs. I will be hiring an attorney.
My boyfriend has been going through this insurance company for 7 years and just this last year him and I were in a car accident and he had full coverage on his vehicle. As soon as he made a claim the company gave us a hard time from the beginning of starting the claim and even with the rental car he was entitled to. Also the company told him he had two choices. He could either keep his vehicle and they would pay him 500$ or they will give him a 1000$ if he signed his title over so that exactly what we did and it's been almost 5 months and still haven't received the whole payment that was promised. And every time he calls them to see what's going on with his claim they always tell him different things and also never call him back when they're supposed to and also they just completely ignore him most of the time.
And when someone finally answers they just give him the run around when REALLY it's there job to make things right and make their customers happy. Honestly I'm writing this review because I'm tired of how rude and disrespectful they are and never even try to solve his issues with his claim. It's only 1000$ and it's been almost 5 months since he made the claim and they only paid him 500$ and he's still having to call about his money and claim with no answers so I would never recommend this company. They are the worst, no wonder why it's so cheap because they don't do their job right!!! Don't do it!
This company has been dodging a $500 payment they owe me for 4 months now. They avoid me at every cost. I had full coverage and it was totally a disaster. They are from Texas insuring Colorado drivers.
I bought a new vehicle for $25,000 and insured it with full coverage! I got into an accident and was in the hospital for a few weeks and then to a Live in rehabilitation center for a few weeks! When I came around after life threatening injuries I got home and reported the accident filing a claim! The process has taken again a few weeks! The claims adjuster went to the tow yard where the vehicle is kept and by this time has racked up charges at $4000 in fees! Fred Loya was only willing to pay $370.00 of the $4000 Leaving me with the balance! Obviously I don’t have the approximate Amount of $3800 to release the vehicle to Fred Loya company! Because of this they said they can’t recoup the value of the vehicle which By the way it was declared a total loss!
The vehicle is completely destroyed! The vehicle flipped over! Caught on fire and went through a concrete sound so the value of it can’t be much however because they would not pay to recover the vehicle and not able to sell the remaining ruins I was offered $13,000 for a fully insured $25,000 vehicle! Leaving me to come up with $12,000 to pay my lender! I feel that full coverage means (full) coverage and all expenses should be paid! I’m not sure how to proceed! I don’t have $12,000. Am seriously injured and can’t work due to injuries! Fred Loya should pay the total price of the vehicle.
Please, please read and understand. WORST INSURANCE EVERR!! NO JOKE. I guess they only have 1 adjuster for claims. I asked to change adjuster because the 1 I was talking to was very RUDE, would not let me finish what I had to say. His name is Bryce **. I CAUGHT HIM TWICE TELLING ME THE WRONG INFORMATION. I asked to speak to supervisor and they are as bad as he was. They never answer one phone call. I don't know how this company does their hires but they need help. Was giving information for 2 "Supervisors" but no one answer. I was calling for 2 weeks straight.
My car was $20,000, the insurance send only a $10,177 check to the bank. Bank told me they have NEVER SEEN a insurance pay only $10,177 for a newer car. So I called Bryce back and asked why was the check only that amount. He said it was the settlement, mileage, the problem with the tire. "Oh and he said I missed $500 for the keys. So now the check is $10,677". So I said see now you missed something, can you re-calculate, maybe you missed something else and he refused to do it. I'm a single parent now with no car and a debt now to pay. I always paid my insurance on time knowing they have my back. But was completely wrong.
Stay away from Fred Loya or you will regret it. First, they provide horrible customer service and are very rude. Also, they are not trained well to understand what they are offering. I called and got a quote. When I got the premium for the policy, it came about $300 dollars higher and was not told until they charged my card. I asked why since it did not reflect what I had been quoted for. The guy didn't know where the extract numbers were coming from. I decided to cancel since I was not comfortable paying more than what I had been quoted for. They made me go through a bunch of hoops and finally was able to cancel within an hour after sending a document in writing stating I was canceling the policy. I was charged over $200 for cancelling a policy I never used. I called headquarters to complain, and they didn't care. Stay away from these crooks.
Fred Loya on Grissom Rd in San Antonio Texas. I went to handle my insurance. The door was locked at 2 pm. I knocked in glass and jiggles the door and was finally let in without a greeting by a woman in a maroon outfit. I waited 'til my turn. Again wasn't greeted by the other female. The female gave me extreme attitude. I had to leave without handling my insurance. Another person stood at door and jiggles it. The female helping me said, "make em wait for jiggling the door, we're busy." I told her that's the same thing y'all just did to me. I told her forget it. I would go to another location. She continued to be rude so I let her know that her customer service was poor and that I would be reporting them to whoever cared about fred loya customer service. This was a awful experience starting with the door being locked during working hours.
A client insured by Fred Loya rear ended my son while he was sitting at a stop light and totaled our car. This happened about five months ago now and I still haven't been compensated for the loss of my car. Never mind they completely undervalued the car, I sent them the title and required documentation in a FedEx envelop they supplied approximately 8 weeks ago and they tell me they don't have it. They NEVER answer their phone and they rarely return my messages. When I do finally get to speak to someone, I hear conflicting information: "We're still reviewing the claim," or "we made a mistake on the amounts for the damage so we're waiting for that to be resolved." If I tell them I'm going to file a complaint, they accuse me of being disrespectful and threaten to disconnect the call. AVOID GIVING THIS COMPANY ANY BUSINESS and God help you if you're involved in an accident and this is the insurance company you're forced to deal with!
Fred Loya Company Information
- Company Name:
- Fred Loya
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