Fred Loya

My car was involved in an accident in July of 2019 which I have full coverage insurance. Another lady in another car drove us off the road. We had got a police report showing the accident and the lady's insurance did not cover our car which was a total loss. Fred Loya didn't even back us up and our car was a total loss and now when it comes to me getting the report or a copy saying that they denied my claim Fred Loya insurance will not even give me a copy with my name under it stating that they denied my insurance so that Gap can take over and cover what they can with the car. This is a bad insurance company. I would not ever recommend this company to no one because what's the point of paying for full cover coverage insurance and you can't use it.

This last accident I was involved in, NOT MY FAULT, I was an innocent bystander who was hit after the accident occurred in front of me. Fred Loya totaled my car and then proceeded to treat me like I was at fault when I obtained a lawyer. Long story short, they took over two months to finalize the total loss and they’ll probably claim it was my fault for the long process. When I went in to remove the total loss vehicle from the policy and remove myself (I’m done with subpar insurance companies) my mom (second driver on policy) wanted to remain as a client with Fred Loya. They told her they need approval to “ALLOW” her to proceed with insurance through them because of the amount of claims on the previous policy. WHAT?!?

We were were hit by a customer of Fred Loya in a parking lot in Sept of 2019. They were unhelpful from the start. My take on it is they are interested in collecting the premiums but will do what it took to get out of paying. If my insurance did that to another person and it was my fault, I would be mad! The purpose of insurance is to pay for damage when a mistake is made. Fred Loya has a bad reputation from everyone I talked to starting with my agent, my adjuster, etc. Fred Loya wouldn't confirm if the customer had insurance since the driver, Chris, didn't have a current insurance card. I had the policy info, name and address. A photo of the proof of Chris' insurance. I then called my insurance co. (Safeco) who were great.

Fred Loya is the worst insurance I've ever delt with. I've been with Fred Loya for years. Recently I was in an accident where I was rear ended, an unavoidable accident which was not my fault. My vehicle was totaled. In a case like my mine you would think that the insurance company that you've been a loyal customer for years would be sympathetic or have your back. They are the most unprofessional, unsympathetic, horrible customer service, rude group of people I've ever delt with. Not one time was I even asked if I was ok. Not one mention of a loaner car.

When you buy a car in Texas it must have insurance before it leaves the lot. Every insurance company either accepts pictures sent to them, allows the customer to come in within the next day for pictures, & most will also offer DocuSign or email documents for them to sign. Fred Loya will only allow a customer to get insurance if they bring the car in. Well, if you haven't bought one yet because you need insurance, & if the state of Texas says it is illegal to drive without insurance, then Fred Loya will ONLY provide insurance to people who make the choice to knowingly break state law & drive the vehicle to their office with NO Insurance. Fred Loya is a crook. He has been preying on the Hispanic community & the lower socioeconomic communities for decades & everyone just looks the other way.

I was hit by a driver of Fred Loya's.... Wasn’t my fault. I was in the store and someone passing by come inside and told me my car was hit. I call the company and reported the accident and the next day they sent me to a different adjuster and omg he sucked. He never answered the phone and when I could get ahold of him he would tell me he couldn’t do anything about my damages until he got a statement from the driver which we had already given our statements to the previous adjuster. I said I would get my lawyer involved and boy did he get the stick out of his ** and got on with my claim... Fred Loya insurance isn’t the worst by far.

They are very difficult to get a hold of. They will call and leave you a message, but when you try to call them back, it either goes to someone else's voicemail (so they must have not updated the ever-changing customer representative's voicemails) OR they shockingly answer and take your claim # and say they will call you back (no ETA provided). Once they never called back like they said they would and the second time, they called after their work hours so how should I have expected a call back from them to be available? Their voicemails also says if you call and leave a message before 4pm MTN, they will return your call before the end of the day, which is a complete lie. Horrible customer service. I'm already not expecting a promising result on the claim based on how they treat their customers. Absolutely HORRIBLE!!!

They are unhelpful, they change the story from one thing to another. We have full coverage but you need to pay upfront out of pocket first before they cover any cost and they do not provide detail information. Once our vehicle is fix we are leaving this company.

At the end of August a driver hit my parked car & they were insured through Fred Loya. Seeing that this accident was 100% not my fault, I decided to go through Fred Loya for repairs in an effort to avoid paying my deductible through my insurance company (Progressive). It has been nothing but an ABSOLUTE NIGHTMARE with this company from the very start. Here we are almost 5 weeks later and my car is still not in a shop for repairs.

I live in Las Vegas NV, I would not recommend LOYA INSURANCE to anyone. I was assisted by an agent named Yvette. Short black hair, with a lot of make up. She was very rude. I asked her questions about the auto insurance policies she begin to be very annoyed by me huffing and puffing, rolling her eyes and laughing. I asked for my paper work back because I did not feel comfortable for her to assistant me any longer. She refused to give me back my Personal belongings. Meanwhile everyone else in the office that works there was watching her be very rude, unwelcoming and disrespect towards me. Nowadays companies hire anyone. I was so angry with the way I was being treated with no one to back me up I wanted to slap the ** out her so I just snatched my personal belongings and left. This location is on LAMB AND BONANZA.