Fred Loya

A auto policyholder of theirs ran a red light, ran into my 2019 truck. The policyholder admitted to running the red light to me and the policeman who came to the scene of the accident. The police report stated that she ran the red light that caused the collision. Her adjuster denied my claim. Said no ticket was issued.

A Fred Loya ensure customer backs up into my car because he wasn't paying attention and caused damages to my new car and Fred Loya insurance wants me to pay half of the damages that was caused by their customer. The man even admits that he hit me but I guess that's not enough for them to pay for damages that he caused. What a poor excuse for not taking responsibility. What a ** company.

Everything must be done in person, when I cancelled my insurance with them, they need you to go back in person and jump through hoops to get the balance of the money owed to me. The saying is right - you get what you pay for. Thank God I never had a claim with this company. Do yourself a favor and get a real insurance agency. Horrible experience.

BUYER BEWARE! Fred Loya Insurance is nothing short of a scamming organization masking itself as a reputable insurance company. During the month of January 2019, their insured’s vehicle crashed into my fence causing significant property damage. Police took a report which clearly stated their insured was negligent. However, Fred Loya’s adjuster stated their insured is not at fault because their insured stated “someone” ran him off the road. Police report does not state any other vehicle was involved. They are refusing to take responsibility for my claim citing “we are searching for the other driver.” When asked how long this could take, the adjuster said it could take months or even years.

Me and my boyfriend were going southbound straight when a driver took a left turn which he didn’t have the right of the way for causing the car in front of us to hit us and hit us directly wrecking all 3 cars. Basically police report says both drivers blamed the driver that took turn and Fred Loya is trying to say because the other car hit us as well they are 80% liable and we were 20% liable... How if their driver is the reason the other car hit us to begin with and they still said we had failed to slow down??!! How when we were halfway through intersection? Oh and then the driver stated he was blinded by a car and couldn’t see so it’s our fault too for that or what?

I received a letter to pay 1 amount and then when I tried to pay yesterday they refused payment at 12 PM said she would contact a manager. No manager response when I came in the office at 530. Refused to take payment. I received a call today and I owe more due to overwrite made a mistake. There was no apology. I asked to speak to manager she was rude as hell. I'm leaving. I'm begging for American Family to take me back. This company does not care about customers.

The adjuster (Cory **) filed a claim on my insurance, when he offered a passenger in my daughter's vehicle $150.00 to not file a bodily injury claim against Fred Loya. This was not divulged to me as the Policy Holder. This is now affecting my daughter's record and reflects as an at fault claim against her and our policy although the accident was a hit and run. When I asked Mr. ** for the documents signed by the passenger, he stated that it was a verbal agreement and no documents exist. If no documents were signed how is that the claim is reflecting against my policy? When I requested to speak with his supervisor, he stated that his supervisor was in a meeting (how convenient)! I have called the number he provided for his supervisor and hope that she will return the call. Concerned Former Policy Holder in Texas.

Last year (2018) one of Fred Loya's policyholder’s car hit my parked car and drove off. I have clarify that it was her car but she was in the passenger seat when she hit my car. I do not know who the driver was. Fortunately, I was a few yards down the parking row when I saw them hit my car so I got their license plate, and the state troopers were an aisle over so I filed a report within minutes of the accident. But the policyholder would not admit it was her and that delayed my claim for weeks. Eventually, I was able to take my car to one of their branches where an inexperienced worker took photos of the damages a month after the accident.

Well I had an incident which was that they steal my bumper in the street. It took a month that this was solved by Fred Loya and this was because I told them that I put claim in the Insurance Dept. 1.- It is horrible since you call them to report the incident and in the process they switch the adjusters like 10 times. 2.- I filed a Police report, took all the pictures and evidences and email to them and then It took one week until the adjuster come to see my car in the body shop after pushing them with my phone calls.

Too bad I can't give Fred Loya insurance a zero. Was in a fender bender with a Fred Loya insurance holder, her fault as she failed to yield to traffic. Spoke to Fred Loya and was under the impression an adjuster would come to take the car and assess the damages. Wrong! They came with a tow truck without notifying anyone and took it. They took it to Carparts in Anthony Tx, which is several miles from El Paso. Never say they can "TAKE" your car or you might never see it again. And if you do get ready for a fight and lost time. The people are never there, don't call you back and don't communicate with you or each other. Didn't even offer a rental car but stated I had one only to look again and notice they didn't give me one. I had to pay for a rental and they'll probably fight me on that as well. So frustrating. Even lost sleep over it.

This is the worst insurance anyone can ever have! The bar is so low that I would rate them in hell. I have been having problems with them since I became a customer to them. First they want you to pay them TWICE a month which is stupid and if you don’t they take away your “privileges.” I signed up for a 6 month policy and because I didn’t pay them twice a month but still paid them by the due date they changed my policy WITHOUT MY KNOWLEDGE. So instead of 6 month I’m on month to month which I have NEVER HEARD OF. So to make things easier I ask could I moved my due date and they told me I’m not allowed to because of my month to month policy that they changed without my knowledge.

This is by far the worst insurance any person can have! I had insurance with them. I got rear ended & they did not cover me at all! I called to cancel & they still took the money out my bank plus a late fee! To top it off, they had me under "no license" when in fact I do have a license, so they were charging me all these 2 years even more money than I was suppose to pay because of it!

I have had nothing but problems from the start of the claim from this company. I was hit by someone that had this insurance. I've had to fight for every little thing for this claim. From the start I had to fight for a rental that would allow for my carrying kids and shipping things for work. They would only approve aftermarket parts on a 3 year old car, would not do an alignment even though I just had new tires put on and had one done and it is off. After the parts arrived at the body shop they only approved the labor for 3 days starting the exact day the parts arrived.

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!

Updated on 12/07/2018: This is a follow-up review from a car accident dated on July 23rd. This was an accident which I was not a fault, I was insured through FRED LOYA and till this day, they just left me hanging. Never did they help my car get fixed nor recover anything from the at-fault insurance parties company. To top it off my policy ended this November 2018 and they still had the nerve to ask me if I'd like to renew my policy! What a sad joke of a rip off company. The policy I had clearly stated that they covered up to $200 dollars for tow truck reimbursement, and they only sent me a check for $100.

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.