Fred Loya Reviews

Do not purchase this insurance. Let's put them out of business. Their so called motto is "integrity over profit". It needs to be the opposite. I was rear ended by one of their clients. As soon as I heard the woman say she had this fake a$$ insurance, I knew I was not going to be helped. Why should I have to pay my $1000. deductible to have my car repaired when I did not cause the accident?

Fred Loya is THE WORST INSURANCE you have to deal with, they are very unprofessional, don't want to pay to bring your vehicle back to a pre accident condition, I got hit by a driver with this insurance and let me tell you is a nightmare. First they did an estimate on pictures only, you take your vehicle to an office they take pictures and send them in to another office, this office take 2 to 3 day to contact and they offer to pay a ridiculously amount for the repairs, then they tell you that when you take your vehicle for repairs the shop can call a supplement for any additional damages.

I was hit by someone that had Fred Loya in my BMW. Only 2 body shops would deal with them in my city. I found another that would take my car. I got my car towed because my dash lights started to come on and I was hearing noises. Once at the body shop they found more damage. Fred loya only wanted to pay half the cost that left me with a 2k balance.

I was rearended, called Fred Loya who I have full coverage with. Sent me a lil small check that I refuse to cash. And the adjuster and agencies alike all ignored my claim. Never issued no legal documents for proof. Just abandoned me. Till this day not good business pratice at all. I'm filing a claim with the insurance commissioner and the BBB and Consumer affairs.

This insurance is horrible. Just when you walk in..those girls have no customer service. They think they are so professional..but they are so **. I went for insurance and have me a extremely hard time..and the deductible was horrible. They were asking h for 3,500..I've never felt so humiliated. I'm still silver 😠 😡 at them. All their crew is **. Please don't go to Fred Loya....horrible coverage..horrible customer service..and horrible everything.

Fred Loya Insurance is hands down one of the most unprofessional companies I have ever dealt with. Every step of the process is a mess—no accountability, no communication, and absolutely no respect for customers. Phone calls are ignored or dismissed, and they actively avoid letting you speak to anyone who can actually make decisions or provide real answers. You are passed around, stonewalled, or flat‑out brushed off. This feels intentional, not accidental. Their conduct appears to be in clear violation of Texas Insurance Code Chapters 541 and 542, particularly when it comes to unfair practices and failure to handle matters in a timely and transparent manner. Instead of resolving issues, they delay, deflect, and frustrate until you give up. If I could leave a zero‑star rating, I would. I strongly warn anyone considering Fred Loya Insurance to look elsewhere. Do not waste your time, energy, or money on a company that operates this way.

I had a very frustrating experience with Fred Loya Insurance following a multi-vehicle accident. From the beginning, communication was essentially nonexistent. We left multiple voicemails and sent written correspondence requesting to discuss our claim, but never received a response. There was no acknowledgment, no follow-up, and no effort to engage with us at all. After 13 months of being ignored, we were forced to have our third-party administrator file arbitration just to get a response. Only then did the company finally communicate with us—and that’s when we learned they had already paid over $20,000 to another party and nearly exhausted the policy limits without ever contacting us.

Customer service in the local office showed good customer service. I filed my claim. I received at least three calls from I guess was the main office. The women I talk to were on top of everything. A couple of weeks I was going to call the office, but then I received a phone call from someone in the office saying, "The insurance company of the other party had been notified and someone will be calling me back in regards of where to take my car for an estimate". I normally write down the person's name that I am talking with, I forgot.

Although the staff at the local office seemed to have decent customer service and were polite, my overall experience with this company is far below mediocre. I have spent more than 20 minutes and at least 5 phone calls simply to update my payment method for reoccurring payments on my auto insurance policy. In that 20 minutes, I made several calls, got transferred at least 3 times and got hung up on either during the hold time or the phone was picked up and then immediately hung up before any sort of voice interaction at least 3 times. I called within normal business hours. Every single number that is listed on Google goes to the same answering service.