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About Fred Loya
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Fred Loya offers auto insurance to customers in 10 states, mostly in the southern and western parts of the United States.
Pros & Cons
- Full-service and proprietary offices where people regularly go
- Claims program that allows you to get paid on the day of filing if all requirements are in order
- Affordable rates for non-standard insurance
- Agents required to settle physical damage claims within 24 hours
- Coverage for drivers of high-powered sports cars, custom built cars and other specialized cars
- Claims processing times can vary
- Available only in 11 states
Fred Loya is a Texas-based car insurance company that serves 11 western and southwestern states. It offers both standard and non-standard insurance regardless of driving record or credit standing. Customers appreciate their affordable rates.
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Reviewed Aug. 12, 2023
I was rear ended by a ** male. It's weird - at 99 Market 3 ** with similar gold chain were in the store 30 minutes before wreck. Unsure if they're related. Nonetheless, the kid, around 18 extremely nice, didn't report accident. A ** person hit me head on 2 years ago. After 2 ** were ahead of me prior to wreck. I wonder if races had learned to double down on ** folks. ...
Nonetheless like all the other posts, Fred Loya cannot make a decision. Stall tactics on payouts. Fred Loya has revenues of 500 million. Barely a mid market account and now acting like divine regulators. Can Mexico enforce divine law? Or a **? Nonetheless USA is appearing more religious with a double side. I hope you guys know what sins you're combining with USA territory. Last I checked ** are ** also ** also **also. But this is business with MAFIA UNDERTONES. UNCOOL AND UNEDUCATED.
Reviewed July 13, 2023
Horrible, horrible, horrible insurance. They fit really close to a scam artist. My mom is actually dealing with a not-at-fault case for a few months and has had to hunt them down for service of her damaged car. In the meantime has been forced to drive it. No! They won't answer the phone and will drag payments as long as possible. My poor mother had to pay for her rental after they gave her a check for $75 to cover rental charges while her car is being repaired. I do not recommend Fred Loya Insurance to anyone. Trust me. I've know good insurance coverage for over 30 years. Fred Loya has failed to prove it.
Reviewed July 12, 2023
A Fred Loya customer caused an accident and was cited. From day 1 Fred Loya wouldn’t respond and when they did they were threatening and very disrespectful. Took months to get my totaled vehicle paid off and they never paid for my lost wages and told me I could have got another job (my car was used for work). Beware of this company, bad customer service, slow to move, won’t respond until you call many times. If dealing with this company get a lawyer to save yourself a year of heartache.
Reviewed July 7, 2023
In my opinion Fred Loya is the worst company to deal with. I was in a accident with one of their customers. Their customer was found to be at fault. At first they told me my vehicle was a total lost then after picking up my vehicle they determined it was fixable. Copart was supposed to take my vehicle to a service center for repairs. After waiting a week thinking my vehicle is being repaired, I call the service center only to be told my vehicle is not there and that they do not and refuse to work with Fred Loya. It took another week to get back in touch with anyone at Fred Loya. In the end I finally had to go through my own insurance to get my vehicle repaired. All of the service centers I spoke with refused to do service with Fred Loya. TERRIBLE CUSTOMER SERVICE.
Reviewed June 23, 2023
Let me tell you this Fred Loya is the best insurance you can have. Lemmie tell you why...I had been insured with them I had liability coverage 15000 dollars what the policy limit..I got into a head on collision well texting on my phone...Ran a red light all my fault and I admit that from the start of it...If you looked at the cars you would have thought everyone had died thankfully we all walked away I am sorry for what I did...Now it took 2 and a half years to settle the Civil case against me, the other side got a scum bag lawyer like you see on TV. Grab and Durango you're dirt bags..They played dirty. They thought they won the lottery and were going for blood...
I was no longer insured by Fred but for 2 and a half years they stuck by me and defended me. (Shout out to my lawyer Gail) 2 and a half years she fought a case I admitted I was at fault for. They were trying to sue me for 500,000. My insurance covered 15,000. If we lost it was 500000 plus lawyer fees and expert fees, medical costs, the work and they were gonna milk every cent...and I had admitted guilt already...Well fred will be there for you no matter what. Even if you are no longer with him. They keep their word and have your back...
I lost that battle and they paid well way more than 15,000 dollars. I never saw a charge and I'm actually sad he won't cover me anymore but I understand why. I mean he paid 490,000 over my coverage limit and I pay one cent. Get fred loya. When ship hits the fan everyone's is gonna run, you'll be all by yourself...It's scary....But fred doesn't run. I promise you that. GET IT. YOU WON'T REGRET IT. BEST 35 BUCKS A MONTH I EVER SPENT....FRED I LOVE YOU!!!!
Reviewed June 22, 2023
Our car was parked on the street and hit by a drunk driver. They have Fred Loya. Insurance company wants you to pay for a rental and they might reimburse you. Can't get ahold of your assigned agent. EVER. Totaled my car even though the damages were only 3k. Up to you to get rid of such car. After 2 months, still haven't received check for totaled vehicle. This has been an absolute nightmare.
Reviewed June 20, 2023
Doing business with this company has been difficult. First their auto draft doesn't work well with someone who is on a fixed income like myself or the fact that if you move out of an area where they don't have offices you have to physically be there to remove your policy otherwise you are stuck with that company. I would suggest finding a company with better business practices.
Reviewed June 20, 2023
I was in a car accident February 28 on the 29th for Loya Insurance got a hold of me a couple days later. They took blame from the 29th. I was in contact with my doctor's office and they had nothing available to see me until 10 days later, and I expressed that to, Fred Loya agent. They’re telling me they’re declining my medical because I waited 10 days to see a doctor. That is not right. That’s a crock of **. The person that was helping me at first was being nice. The second person was extremely rude and unprofessional. I have asked to speak with a manager and nobody has contacted me. I’m $1200 into medical bills using my insurance and now they’re telling me they’re not going to pay me back, that is not right. This is not something I did it to myself. I feel that Fred Loya you have some people there very unprofessional working for you and that is not right what you guys are doing.
Reviewed May 5, 2023
Horrible customer service. No way to email with staff. Aggressive on the phone. Awful with claim service. Lowball values on claims. Worst service recovery. Abandonment. Don't call you back. Disrespectful.
Reviewed April 29, 2023
I would not recommend Fred Loya Insurance to anybody. Worst Customer Service. They also have tendency to abandon your vehicle at repair facility once the vehicle becomes Total Loss and or if they do not agree with Repair facility Hourly Labor Rates. Do not buy policy from Fred Loya Insurance. Your worst nightmare. Be Aware.
Reviewed April 10, 2023
Whenever you are involved in a accident with one of their insured no matter how small the damage CALL THE POLICE...CALL THE POLICE. Their drivers are unlicensed and will lie about the accident. Was involved in a auto accident on March 6th with one of their drivers. I didn't call the police because it was a minor incident. We exchanged information and I thought this process would be smooth and simple. He never called his insurance company to report the accident and they weren't able to reach him for over a month. When they did speak to him he lied about the entire incident despite all the red flags from their insured they denied the claim.
I wouldn't wish this garbage insurance company on my worst enemy. Instead of them calling me to let me know what was going on I had to reach out multiple times. If they had reached out to me like they should have they would have known I have dashcam footage on the incident, so now I no longer want to work with them on any repairs. I will be hiring an attorney.
Reviewed March 28, 2023
My boyfriend has been going through this insurance company for 7 years and just this last year him and I were in a car accident and he had full coverage on his vehicle. As soon as he made a claim the company gave us a hard time from the beginning of starting the claim and even with the rental car he was entitled to. Also the company told him he had two choices. He could either keep his vehicle and they would pay him 500$ or they will give him a 1000$ if he signed his title over so that exactly what we did and it's been almost 5 months and still haven't received the whole payment that was promised. And every time he calls them to see what's going on with his claim they always tell him different things and also never call him back when they're supposed to and also they just completely ignore him most of the time.
And when someone finally answers they just give him the run around when REALLY it's there job to make things right and make their customers happy. Honestly I'm writing this review because I'm tired of how rude and disrespectful they are and never even try to solve his issues with his claim. It's only 1000$ and it's been almost 5 months since he made the claim and they only paid him 500$ and he's still having to call about his money and claim with no answers so I would never recommend this company. They are the worst, no wonder why it's so cheap because they don't do their job right!!! Don't do it!
Reviewed March 28, 2023
This company has been dodging a $500 payment they owe me for 4 months now. They avoid me at every cost. I had full coverage and it was totally a disaster. They are from Texas insuring Colorado drivers.
Reviewed March 27, 2023
I bought a new vehicle for $25,000 and insured it with full coverage! I got into an accident and was in the hospital for a few weeks and then to a Live in rehabilitation center for a few weeks! When I came around after life threatening injuries I got home and reported the accident filing a claim! The process has taken again a few weeks! The claims adjuster went to the tow yard where the vehicle is kept and by this time has racked up charges at $4000 in fees! Fred Loya was only willing to pay $370.00 of the $4000 Leaving me with the balance! Obviously I don’t have the approximate Amount of $3800 to release the vehicle to Fred Loya company! Because of this they said they can’t recoup the value of the vehicle which By the way it was declared a total loss!
The vehicle is completely destroyed! The vehicle flipped over! Caught on fire and went through a concrete sound so the value of it can’t be much however because they would not pay to recover the vehicle and not able to sell the remaining ruins I was offered $13,000 for a fully insured $25,000 vehicle! Leaving me to come up with $12,000 to pay my lender! I feel that full coverage means (full) coverage and all expenses should be paid! I’m not sure how to proceed! I don’t have $12,000. Am seriously injured and can’t work due to injuries! Fred Loya should pay the total price of the vehicle.
Reviewed March 17, 2023
Please, please read and understand. WORST INSURANCE EVERR!! NO JOKE. I guess they only have 1 adjuster for claims. I asked to change adjuster because the 1 I was talking to was very RUDE, would not let me finish what I had to say. His name is Bryce **. I CAUGHT HIM TWICE TELLING ME THE WRONG INFORMATION. I asked to speak to supervisor and they are as bad as he was. They never answer one phone call. I don't know how this company does their hires but they need help. Was giving information for 2 "Supervisors" but no one answer. I was calling for 2 weeks straight.
My car was $20,000, the insurance send only a $10,177 check to the bank. Bank told me they have NEVER SEEN a insurance pay only $10,177 for a newer car. So I called Bryce back and asked why was the check only that amount. He said it was the settlement, mileage, the problem with the tire. "Oh and he said I missed $500 for the keys. So now the check is $10,677". So I said see now you missed something, can you re-calculate, maybe you missed something else and he refused to do it. I'm a single parent now with no car and a debt now to pay. I always paid my insurance on time knowing they have my back. But was completely wrong.
Reviewed March 16, 2023
Stay away from Fred Loya or you will regret it. First, they provide horrible customer service and are very rude. Also, they are not trained well to understand what they are offering. I called and got a quote. When I got the premium for the policy, it came about $300 dollars higher and was not told until they charged my card. I asked why since it did not reflect what I had been quoted for. The guy didn't know where the extract numbers were coming from. I decided to cancel since I was not comfortable paying more than what I had been quoted for. They made me go through a bunch of hoops and finally was able to cancel within an hour after sending a document in writing stating I was canceling the policy. I was charged over $200 for cancelling a policy I never used. I called headquarters to complain, and they didn't care. Stay away from these crooks.
Reviewed Feb. 14, 2023
Fred Loya on Grissom Rd in San Antonio Texas. I went to handle my insurance. The door was locked at 2 pm. I knocked in glass and jiggles the door and was finally let in without a greeting by a woman in a maroon outfit. I waited 'til my turn. Again wasn't greeted by the other female. The female gave me extreme attitude. I had to leave without handling my insurance. Another person stood at door and jiggles it. The female helping me said, "make em wait for jiggling the door, we're busy." I told her that's the same thing y'all just did to me. I told her forget it. I would go to another location. She continued to be rude so I let her know that her customer service was poor and that I would be reporting them to whoever cared about fred loya customer service. This was a awful experience starting with the door being locked during working hours.
Reviewed Jan. 19, 2023
A client insured by Fred Loya rear ended my son while he was sitting at a stop light and totaled our car. This happened about five months ago now and I still haven't been compensated for the loss of my car. Never mind they completely undervalued the car, I sent them the title and required documentation in a FedEx envelop they supplied approximately 8 weeks ago and they tell me they don't have it. They NEVER answer their phone and they rarely return my messages. When I do finally get to speak to someone, I hear conflicting information: "We're still reviewing the claim," or "we made a mistake on the amounts for the damage so we're waiting for that to be resolved." If I tell them I'm going to file a complaint, they accuse me of being disrespectful and threaten to disconnect the call. AVOID GIVING THIS COMPANY ANY BUSINESS and God help you if you're involved in an accident and this is the insurance company you're forced to deal with!
Reviewed Jan. 2, 2023
I recently got into my first accident and they are very bad at describing what to do and how you are supposed to handle everything. They did not explain that I had to take my vehicle out of the towing yard and now I am being charged over $700 to take it out, they are also making me pay them $1,000 to inspect my vehicle to see how if they can fix it. Every single time I have tried to talk to them they always asked me the same questions over and over again, as if they were doing that just fill in time and I could hear them typing something but who knows if they actually put any information down. They are horrible about getting back to you and are very bad at explaining things, this company is not worth anyone's time and money.
Reviewed Nov. 13, 2022
Back in March 2021, I was involved in an accident. Insurance avoided my calls. Despite several messages I left for the Adjuster, none of my calls were returned. I continued to try. When I finally got a hold of someone, they told me to contact USAA. USAA was very cooperative and told me that they told Fred Loya that they will accept 50% liability. A year and a half later after pulling hairs, Machelle ** who is the Adjuster for Fred Loya told me to take my vehicle to a shop. In doing so, my new estimate totaled approximately $5800.00. Fred Loya now tells me they are going to deem my vehicle a total loss. If they would have fixed my vehicle a year and a half ago, it would have been worth more and I would have had my vehicle.
Since then, I had to rent a vehicle on weekends to tend to my business. They refused to give me a rental. I have incurred thousands of dollars in rental car fees. It should not have taken this long to acknowledge a claim. I was placed in therapy. On my second visit, the doctor tells me that Fred Loya canceled my therapy. So now I am still left with neck and back pain and now without a vehicle. I still owe my vehicle so now Fred Loya just placed me in debt. If they can not rectify this situation, I plan on hiring a lawyer to file suit against the Insurance Company. I have all my call logs to show my many fruitless attempts to contact that company.
Reviewed Oct. 16, 2022
Fred Loya is the worst insurance firm in the industry. They have no intention of doing legitimate business. I have no idea why this company is allowed to lie, deflect and ignore their way around the industry. Fred Loya representatives totally neglected my claim. Nothing they said was true. I ended up renting a vehicle while my car was repaired. I finally just gave up on being reimbursed. Please do not use this company. Beware of them at all costs.
Reviewed Aug. 24, 2022
Do Not Use Fred Loya. If you are injured and they are the Insurers save yourself a headache and get a lawyer and go for the max. Terrible business. Adjusters lie and lie and lie, will make up anything to not settle your claim or drag it out 'til the statute of limitations is up.
Reviewed Aug. 10, 2022
Fred Loya Insurance is by far the worst insurance company that I have ever had to deal with. Customer service is and has been terrible from day 1. Accident occurred on June 9th, 2022 (I was rear ended by their insured). After several calls/voicemails left during the duration of about a week I was finally able to get a hold of my claims representative. From the initial pictures, to the original estimate of damages to my vehicle the whole process has been a joke ($4300 according to Fred Loya, Caliber Collision estimated $13,000+).
The vehicle was deemed a total loss on 6/22/22, and here it is 8/10/22 I still have no resolution. The communication is terrible, documents/checks are always "pending", adjusters gives you the run around, everything has to get approved by management which seems to take forever. Not to mention the rental division is a joke. Literally given a $347 check for a rental which doesn't even cover a week in the equivalent of my vehicle. I've literally been without a vehicle since the accident, and they could care less. Currently trying to get them to send documentation/check to my lien holders and I am still waiting. Mind you I haven't had a vehicle since June 9th. Extremely disappointed with pretty much every aspect of Fred Loya.
Reviewed April 24, 2022
The hotel was disgusting so I could not stay. I asked for a refund but I have not been able to get a refund. It's like, call this person, they are like, call the hotel, straight runaround. I ended up having to pay out of pocket to get another room at a higher rate and last minute. I would not use this service, there are other services similar to this company. Try your luck somewhere else. This is my honest opinion.
Reviewed April 11, 2022
On March 4th I was rear-ended by a vehicle insured by Fred loya. The at fault driver did not have a license and got the ticket and provided fred loya insurance card! However 38 days later of the investigation fred loya won't cover my car damages because their insured car was sold and they couldn't get in contact with the at fault driver!
Reviewed Jan. 17, 2022
A Fred Loya customer ran through my fence and destroyed not only the fence but a gate opener and the landscaping. I had to constantly call and finally received a check for half of what the damage came to. In hindsight, I should have let my great insurance company go after them. I think I would have received more and then Loya would have to pay my deductible as well. Would serve them right to have to pay extra. Horrible company.
Reviewed Dec. 24, 2021
I created an account just to write this and it seems like many others have suffered through similar fates. The scummiest business I have ever had the displeasure of trying to do business with. I was hit by one of their drivers in a minor fender bender that did $500 worth of damage. I got the driver's info and policy number, contacted this location and they took pictures to send to the adjustor 500+ miles away. I sent along my own pictures and video evidence of the crash to the adjustor and never heard anything. Two months went by and after multiple phone calls, the adjustor finally called me back and said they never received my emails and their driver said their car was never in an accident, despite there being VIDEO PROOF that they hit me, me having all their information, etc.
To make sure they were getting my video, I contacted their general email where they were responded to messages up until I sent them the video, then radio silence. I called this office and sent them the video, where they confirmed on the phone they received the email, and were told to pass it along to the adjustor. Still nothing. Judging by others' reviews, if you do not drive with them, they will do everything in their power to avoid you and not pay for damages. If you do have insurance through them, they will hook you in with their low premiums but absolutely screw you over with their sky-high deductibles and payout much lower than the damage actually is. I cannot understand how they are allowed to practice in such bad faith. Nothing would make me happier than seeing them shut down for malpractice.
Reviewed Dec. 20, 2021
I was hit by a car insured by Fred Loya Insurance. The driver was driving illegally under aged with 2 toddlers, on the car booster seat without a driver's license, only a Mexican passport. She hit me on the rear bumper. I called police to the scene, but they did not do an official police report because they said no one was injured or intoxicated. Fred Loya only gave me 30% of damages and were nearly impossible to contact by phone and email during the whole scenario. I tried to call them thousands of time but no response. No Good collusion companies like Caliber or Service King will work with them. Please follow the driver and family in this case otherwise only deal them with all your legal rights. I am not sure why government even give license to these type of insurance companies.
Reviewed Dec. 14, 2021
Fred Loya is very sneaky with how they word things and what they will/won't cover. Their cheap rates isn't cheap, it's actually overcharging you for liability. On Declaration Pages, it'll show $500 deductibles on your Comp and Collision but in reality, it's $500 to your finance company. It's $1,000 on your Comp and $2,000 on your collision. Basically you're not covered at all because $1,000 on Comp is literally nothing and $2,000 for collision will leave you in debt. They will also refuse to change coverage and unless you threaten to cancel, they will then change the coverage.
Reviewed Aug. 25, 2021
On 03/17/2021, I was hit by a car insured by Fred Loya Insurance. The driver was driving illegally without a US driver's license, only a Mexican passport. We were both driving along a 3-lane road--I was in the left-most lane and she was in the middle. She made an illegal left turn from the middle lane attempting to turn into an intersection and caused the accident, hitting the front passenger's side of my car. I called police to the scene, but they did not do an official police report because they said no one was injured or intoxicated. Fred Loya only granted me 70% of damages and were nearly impossible to contact by phone during the entire process. I have left numerous phone messages and have asked to talk to the insurance adjuster and a manager, and no one ever answers or returns my calls.
Fred Loya Company Information
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- Fred Loya
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