Fred Loya Reviews

This insurance is the worst, they don’t pay for damages! Was hit but a reckless driver who happens to have this for insurance, and since the driver was not under the “husband's” insurance I got screwed over and they did not want to pay for damages done to my vehicle. DON’T WASTE YOUR MONEY WITH THIS PEOPLE!!! YOU’RE GOING TO END UP PAYING WAY MORE!

I was in an accident where the person turned in front of me and they have no insurance. I filed the claim with Fred Loya, contacted the people to pick up my car. Once they got it I was waiting for calll from Fred Loya to tell me the next step. Instead I had to call them for them to tell me that I had to pay money to get the car released because the car was totaled out and the price was too high for them to pay off. For the people looking at my car it was totaled out. I have full coverage, been with them for years and never had an accident. I was shocked still waiting right now to see what they’re gonna do. Don’t know if I have to get a lawyer because this just happened two weeks ago, but I know they are not professional and they do not contact you and let you know anything that’s going on and with full coverage insurance I do not have to pay anything. That’s the reason you get full coverage to cover yourself so they are full of it. Will keep you updated to let you know if the situation got better or worse.

I am a plaintiff attorney from MD. I had a client that was rear ended by a person insured by Fred Loya insurance company. What was a simple case turned out to be the worst experience when dealing with an insurance company! Fred Loya insurance company consistently failed to return many phone calls and emails. In fact, in doing 20 plus years of plaintiff litigation, without a doubt this is the worst insurance company to deal with. They simply will not communicate whatsoever with you. It got so bad, I had to send a letter to the top of corporate indicating that they'll be reported to the insurance commission for failing to do the work they are required to do by law. Failing to objectively represent their own insured.

This insurance company has been an absolute nightmare to deal with. I want to highlight some key points that illustrate my experience:

Please stay away from this insurance company. I was rear ended at a red light by their client (he was at fault and admitted his fault). My car needed repairs and NO body shop in DFW wants to work with them, I begged a local company to work on my car. Sewell and Caliber Collision flat out refused to do anything with Fred Loya, I can’t blame them. They’ll return your call after 3 months! They’ll tell you the letter in the mail and you’ll receive nothing. I submitted a diminished value claim, they said, “The State of Texas has not set forth any kind of formula or guidelines for determining the dollar value for diminished value claims. Therefore, the Company looks at each claim individually, and diminished value remains subjective.” Which means my request was denied. If you’re shopping for car insurance please go with companies that value you and your business. You have to think about others affected especially when you are at fault.

This company ruined my auto insurance premium. They did nothing on a fraud insurance claim towards me. Fraud because there was no injury and no vehicle damage [got picture to prove} instead of investigating and be on my side since I pay them they rather pay the claim and settle with the other. My insurance doubled and everywhere I go the premium went up because of it. I can understand that the cost will go up but never thought it would double considering I had no tickets or claims prior for many years.. Only took one claim with these people and all the driving safely and ticket free meant nothing.. So much for justice. I hope you stay away from this company and if you don't believe me just read the next reviewer and the one after that.. Good luck

Hope and pray you never hit anyone and that nobody hits you. Worst experience. Even with full coverage they are a hassle to deal with and don't want to pay out. I got hit by a motorcycle and couldn't get the guy's info because he was injured. I couldn't get his info until highway patrol gave it to me and Fred Loya has been so difficult to deal with. When I finally got his info and started talking to his insurance it was so easy and quick. I noticed a huge difference. Don't even bother. They want your monthly payments but don't want to help when there's actually an accident.

Worst company I’ve ever dealt with. No appraisers on site. Instead a rep is sent out to your vehicle to take pictures and an appraiser out of state gets to decide what they feel needs to be done without seeing the car firsthand. Rental has to be paid out of pocket with POTENTIAL to be reimbursed but no guarantee. If you are hit by someone with this insurance, do yourself a favor and get a lawyer right away.

One of the worse insurance companies. They are so delayed on handling business. To all that's complaining about Fred Loya. Please submit your complaints to (TDI - Texas department of Insurance.) If we complaint as a unit we can get change.

No stars but I had to choose in order to submit this review. This is a very bad idea for an insurance company. They are only month to month. Not a good idea. The whole policy expires after 1 month unless you keep renewing it. You will pay them month to month and God forbids something happens all that money is wasted all you actually have is the money you put in for the current month unless you have an accident every month right after you've made a payment and then they will tell you that you haven't put in enough money for that month to have a good claim.

Absolutely WORST company. I had a 2022 Corolla with full coverage. I had a dashcam proving it was NOT my fault. After they deemed it a total loss they forced us to pay Tommy Graham Collision to have the car release, that's something they should have paid. My car was valued at $13,000 they only offered $8,000 minus the $2000 deductible. You get what you pay for. Needless to say, I'm with State Farm now. I'm paying $100 more but like I said, You get what you pay for. It boggles my mind how this company is still in business.

Now IDK where to start with this cheap, disrespectful, unprofessional, disgusting ** completely different ins. One of their insured hit my car April 1st. It’s now Sept 10. I have been giving the run around so many times and disrespectful. I also ask for higher mgr but got told off. I been waiting to hear back from my adjuster after they keep changing time to time. It’s awful to get anything approved. I need the Better Business to read into this company ASAP.

I have worked in a collision center for 7 years and already knew how awful Fred Loya was to work with as a repair shop. When a woman on my street backed into my car while I was parked across the street, and I saw her insurance was Fred Loya, I wanted to cry. My accident happened on 07/05 and should have been an easy 4-5 day fix tops. Six weeks later my insurance is still battling with them, and they are telling us they will only cover 70% because "I was in my car when it was hit and took no evasive action to avoid the collision". This is a BALD FACED LIE and the most absurd thing I have heard in my 30 years of driving and numerous past claims. I was parked & standing in the street yelling at the woman to stop before she hit my car and she kept on backing up.

Just to save my time, instead of writing what is wrong with Fred Loya, I will write what's good about them. NOTHING!!!! They have a 1.2 star review. Going out of business for a reason. I can't wait to drive thru El Paso and not see a stupid ignorant Fred Loya sign. Good bye. Good riddance.

Worst customer service. They raised my premium without informing me. I went to their office and couldn't get answers. The rep gave me two 800 numbers to call. I called both and they both disconnected after a few seconds. I'm switching carriers immediately.

I have never met such an unethical company in all of my dealings of driving in over 34 years. We were hit by a Fred Loya driver who admitted, in writing, he was the cause of the accident, they have been pushing us off for over 6 weeks, still with no answer. Then today, they told me the claim was denied because their insured refused to cooperate with the investigation. So with Fred Loya, feel free to commit any crimes you want and then just don't participate in the investigation, and you are scot-free.

I filed a claim about 10 days ago. One of the policyholders hit my car and damaged significantly. The claim adjuster is avoiding me. She does not answer and never return the call. She told me that an inspector will contact me to inspect the car. I never got a call from the assigned inspector and he never showed up. I know you can get insurance cheap from Fred Loya. But as compared to other U S companies such as Progressive, Liberty, State Farm, this company has no standards or no business ethics, They simply don't care about their policyholders and other parties. It's not worth it. Run away from this low rated company.

My car was backed into on the driver's side in the back and the other person was at fault. This insurance company claim person Nathaniel told me it was the other person fault after we discuss the claim. Told me to go after the other person insurance and closed my case. After a month of back and forth I called them back and told them I need to get my car fixed because the other person Insurance company is giving me the run around. I was sent to Fred Loya insurance office to a person whom was not a certified car repair place, and they hook something up to my car took measurements of my Mercedes and gave me an estimate of $400.00, I laugh and took my car to a real automotive mechanic and got my car fixed.

Experience-less is what Fred Loya is. Thieves really. They make people pay less for a piece of paper that says they have insurance but, don't actually ever insure. I was rear ended by a Fred Loya insurance client and Fred Loya will not fix my rear bumper damage. It's Fraud Loya and should be shut down and jailed.

The worst experience ever. The manager has yet to contact me. They cancelled my policy without reaching out to me first because my Card declined twice. They had my old number and address on file. I called to update. Lady said it was fine so they sent a letter of cancellation to a year old Address. Couldn’t contact me on my Year old number then I called before it completely got canceled and they wanted me To prove to them my bank account information just to pay 250 a month. Thank God they canceled me. I am now with Progressive and pay 175. They treat me Better and actually care about their customers. The lady at the W William Cannon is the reason why my policy got canceled. How did I not at least get an email. That was the only Updated info after I called and tried to update but lazy girl said yes and that was a LIE. I was with them for a year. Paid on time.

So this company is all about deceit and lying and screwing people over. One of their clients back up into my car. I had to chase the guy down because he wouldn't stop or pull over. Anyway I made a police report and a month later they are still saying the police report is pending and that they cannot reach their driver and they are denying the claim. Mind you the client wouldn't respond to them and he also ran. Police report is online for anyone to view..anyway now I'm suing.. Do Not support these scam artist.

Fred Loya insurance (crooks). I would not even give them 1 Star except I have to. Their driver totaled my vehicle running a red light police report with witnesses proved it & over a month & a half & they have done absolutely nothing, no rental car, nothing. Very dissatisfied with the experience, would not recommend them to anyone, definitely not anyone I know. They don't answer the phone or call back. They don't do anything, beware if you get hit by one of their drivers. You better have full coverage & just say it was your fault so your car will get fixed or replaced cause they won't do anything at all for you.

Simply waste of time. I should say a company of nothing but a scam in my experience. Just they offer to cover auto insurance just to get your money but they will never be willing to support or pay the damage as part of liability in this case. Mostly the adjuster won’t pick your call. If anytime picked then only a rude reply can be expected if you ask them to fix the damage. Wasted 2-3 months with them and finally did by myself out of pocket.

Updated on 07/20/2024: This is the second review with my experience with Loya Insurance. It's been over 2 months, and as of today, I have not received their very low damage repair check. I have sent emails, voicemails, to the claims adjuster, and 2 supervisors. Nobody from Loya Insurance has contacted me with an update. I would give them a minus 2 if I could. I tried to contact the VP of Insurance claims, but I kept getting the run-around, and was not able to leave a message or send an email. Their customer service, in my opinion, is horrible.

My son just got hit by a driver who owns insurance with Fred Loya. Driver fault and did hit and Run. By luck a bystander followed the driver. Police was called and he did not open door for police. They told us he had insurance with Fred Loya. To call them and tell them about issue. We have called 7 times and they keep passing us to different agents and we have to start from step one every time and they never call back. We have left several msgs. With supervisor and he never returns calls. Worst customer service. The other driver has taken blame but that it seems like they try to get you tired do you give up on them and they don't have to pay. My son car is needed for college and this people don’t get their act together. Hopefully some of their main company VP and CEO can read this and look at why they are rated so poorly in their busyness. This people should ashamed of being in business.

Fred Loya is a really bad insurance company. My car was stolen two months ago, and because they lost my key and sent it to the wrong place, the process was delayed by a month. What was supposed to be repaired in a maximum of three weeks ended up taking two months. I find it very disrespectful because they made me call them every day to get an extension on the rental car. In the end, they decided they weren't going to pay for the rental car service anymore without even notifying me in advance. Very poor service. I am not going to pay for this insurance again. So, if you can do something for yourself, it's not to use this insurance and get another one. Terrible service.

One of their customers rear ended me at a red light. The customer accepted full responsibility. It was a fight from start to finish getting the awful Fred Loya Insurance company to approve any repairs. The awful Fred Loya Insurance company did not pay for the rental car that I had during the repairs. I sent the invoice as they requested. For a month I called them, emailed them, and left many voice mails. They have ignored me completely. I am out over 900.00 for the rental fees. The awful Fred Loya Insurance company has been reported to the Texas Department of insurance in a complaint by me today. Stay away from the awful Fred Loya Insurance company.

I’m insured with Fred Loya insurance. Someone hit my truck. I was trying to file a claim and I was told I had a deductible of $1500.00. No agent told me when I got the insurance that would be my deductible. Or I would never have bought insurance from this company!!!! And when you try for a claim they get an attitude and play stupid like they don’t know what you’re talking about!!! I wish I was able to give this insurance company half a star but even that is too good.

Fred Loya car insurance is a real nightmare. An irresponsible driver shocks me for not respecting a stop sign. She has Fred Loya insurance and I also have Fred Loja insurance. The tram should be very simple, dynamic and fast. It's just the opposite. Today is a month since the accident, even if the adjuster does not contact me, I have called and mailed several agents of Fred loya without any result. I had to hire a lawyer who specializes in these matters to represent me, and even to them, they are not being facilitated. It is painful, regrettable and even fraudulent to proceed with Fred Loya insurance. I would never recommend this insurance and never hire it again in my life, it is a real nightmare.

Fred Loya should not be allowed in the auto insurance business. It gives the auto insurance company a bad name. Anyone wrote a good review about Fred Loya is probably just paid to do so or lied. All the bad reviews about this company are the most of the experiences I had.

I will never do business with this company again. They have the worst customer service ever. It’s almost as if having a bad attitude is a requirement for the company. Their policies are not even sensible, like I currently have 2 vehicles covered by them. Why can’t I give them the vin number and add my other vehicle before I get to the dealership. They do not respect people’s time… they don’t respect people at all, who am I kidding. Save yourself a headache and deal with a company that appreciates you…. btw the only reason I gave them a star is because you have to give one but they don’t deserve it.

This has been the worst experience I've ever had with an insurance company. My car was totalled and from the beginning of the process until now it has been disappointment after disappointment. They paid the bar minimum and did not honor the initial request. I pay $400 and something a month for insurance and they paid out a little over $1300 on a 6K claim. I was bamboozled and as soon as I can find a new company I will be doing so.

If I could give .0001 star I would. A woman insured by Fred Loya hit my car and it has been pure hell dealing with them. They put you on hold for 10 minutes or more. You can NEVER get your claim representative when you call and they are just all around trash with the way they talk to and deal with people. The absolute worst and most unprofessional insurance or any other company I have ever had to deal with.

This is another prime example of our great gov't allowing such horrible company to be in business. I was struck but an individual who has this insurance. I've been trying to get my vehicle fixed and no response. I've called every day for three weeks and nobody will return my phone call. Adjuster name is Fanny and supervisor name is Joslyn.

Their client hit my daughter's car. Just like the other reviews I would call and they wouldn't answer. Leave a message and they wouldn't call back. After 2 months of calling them we finally got an estimate after they totaled my daughter's car. They offered her way way too low. Like 1/4 of her car's value. If anyone opens a lawsuit on this company count me in. Definitely the worst company I have ever had to work with.

I will switch insurance company this time. Feed up dealing with disrespectful people, even when you are paying to them. Don't use this insurance company, keep looking. Also given a generic receipt that is wrong.

Stay away from this company! They deny, deny, deny and provide horrible service, to the point where most consumers just give up!! Stay away from Fred Loya insurance!!! My claims and sales experience has been nothing short of sub par and unprofessional!!

My car was hit by one of Fred Loya insurance. This the worst insurance company ever. They have smart mouth. Doesn't call back. They had my car over a month and won't release my car back to me so my insurance company can pick it up. I have to file it on my own insurance but they need to be shut down.

Ok so I called to make a payment when in fact the payment usually comes out on the 5th. By then which it was the 5th they cancelled me so I'm done with them and if you're smart find a different place quickly and cancel them!! They are rude and heartless. Beware.

My car got hit by a car insured with Fred Loya. The person who hit my car fully accepted responsibility and the police report was in my favor. After I submit the claim and was told that I was going to be paid. A few weeks after, a rude adjuster called saying that he would not pay at all. I was a former customer and dump this company for their terrible customer service. They are good to charge you but when you need them you will get to know how horrible they are to pay. Nasty!