Fred Loya

It is obvious to anyone who has ever done business with the Fred Loya Company, that the people don't care about being ethical or professional or even nice. The worst employees are based out of the Texas office - Ramon ** is a dirty rat and doesn't listen to people, he is just trying to make money. Alejandra ** was probably trained by him and she is not only unprofessional, unethical and immature, she is prejudice and has no conscience. They are a nightmare to work with and crooked and slimy.

This is not even called a company. Such a scam... My less than 1 year old vehicle my vehicle was hit from behind by their insured client while I was stopped behind traffic light in the right-bound lane to turn right. We both felt the contact and jumped out of the car to inspect the damage. My rear bumper and license plate were clearly damaged! The other driver instantly denied that she even hit my car which was mind blowing... We called the police to come out and file a report; which he did. Called Loya Insurance to file a claim and took us 2-3 hours on the phone to report out and answer their questions. 10 days later we got a letter that the claim was DENIED! This was stated on the letter: "THE DRIVER OF THE INSURED VEHICLE WAS NOT THE PROXIMATE CAUSE OF THE LOSS." Are you serious? Is this even real? I am speechless!!! I have no idea why these scammers are even allowed to conduct business in our country?!

One of their clients hit my car and dealing w/ Fred Loya has been a nightmare since day one. I will never consider them when shopping for my own insurance nor would I recommend them, just the opposite! Their customer service is terrible and the people in the rental department don't call back like they say they will, they stopped paying for the rental car 8 days before my car was fixed, not a reputable company!

First of all why this place is still I don't understand. They rip everybody off. Just look at the reviews. He'll just Got hit by Fred Loya driver, got assigned some punk named Elgardo ** but they called him Eddy, called he answered in Spanish, and as soon as he heard my Southern accent he started just being rude. My car is not drivable so since their driver t boned us I asked about a rental and I told him my 4yr old leg is broke. We have an appointment to get her cast removed Thursday. This guy laughed and said "that's not my problem. It's not my fault you're not responsible enough to get your daughter to the doctor." Shook by the comment I said, "So your driver wrecked my car and now It's not you responsibility?" He then said, "I'm sorry you're poor and can't afford a rental." Even said at one point, "You want better service? Use your own insurance..." I'm for real. This guy is just a **.

On November 11 2019 my wife was on her way to work. She was stopped behind traffic at a light. She was in the righthand lane because she was going to turn right when she reached the intersection where the traffic light was. While stopped she was hit in rear driver side quarter panel by a black SUV evidently trying to get in the righthand lane. Both my wife and the SUV driver pulled into a parking lot to exchange info. The driver of the SUV did not have a license but did have a Mexico passport and expired insurance card. We did learn later she was insured at the time but did not have the latest insurance card with her. My wife took pictures of documents and auto damage of both vehicles. Our insurance determined she was not at fault because she was stopped. The other drivers insurance (Fred Loya) also denied the claim for damages. They are well known for doing this. If you are ever in an accident we hope the vehicle is not insured by Fred Loya.

It started with them running my payment 10 days in advance granted I had the money in my account but it somehow declined. Mind you no notification from my bank that something was declined. So we call the day before our payment is due to find out what is going on. Without much explanation they said we had too many claims and that the "underwriters" made the decision to no longer insure us going forward. I told them I have been a loyal customer for almost 6 years now. When we asked for more details as to what the claims are they stated it was windshield replacements starting back from Dec 2014. Mind you there were a total of 4 replacements for the entirety of our business with them. With 1 replacement in the year I also live in Phoenix, AZ where we get bad dust storms so it has to be replaced 1x a year.

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.