Fred Loya Reviews

Fred Loya ignored repeated attempts to follow through with a filed claim. Their customer hit my daughter, was cited for improper lane change and they got away with paying nothing in the state of Alabama due to a 1 percent rule. I had to pay 500.00 to get her car fixed when it wasn’t her fault. Horrible company!!!!

Now that I’m reading the reviews I’m glad I am not insured with them. I tried to get a policy but was denied because of people who were on my policy in the past. My ex husband and daughter had a wreck when we were all on the same policy 2 or more years ago. They each have their own policy now and we no longer live in the same household but I was still denied.

My experience dealing with Fred Loya Insurance has been extremely disappointing. In my situation, their policyholder carried what I believe was inadequate coverage, and when it came time to address the damages—especially loss of wages—they made the process far more difficult than it needed to be. Instead of working toward a fair and reasonable resolution, the company pushed back at every step. Communication was slow and unhelpful, and it felt like they were more interested in minimizing their responsibility than addressing the real impact the accident had on my life. I expected an insurance company to handle claims professionally and in good faith, but that has not been my experience with Fred Loya. Based on what I went through, I would not recommend them to anyone looking for a company that stands behind its obligations and treats victims respectfully.

If I could give 0 stars I would. Over 2 years waiting to get my vehicle fixed, not wanting to cover a loaner vehicle after your client carelessly hit us, left us injured. Horrible insurance save yourself time and go with state farm.

This is the worst horrible insurance ever they do not help you with your claim, they never contact you on what is going on with your car. Claim Adjuster missed items on car that need to be replaced, luckily the body shop notified them to come and look at it AGAIN. This company needs to be canceled. They quit paying for rental. They are truly terrible. For what my mother pays a month is wrong. But this is a lesson well learned.

Worst insurance company ever, they don't pay on your claims. They say all my damages are older. Their driver accepted that he hit my car. The inspector took 1 hour at my home to make the estimates, yet they don't pay you for the damages or even for the rental.

You people are no good, a total rip off, I was quoted one price over the phone, and taken for a higher price, after they pulled from my card, now I'm suppose to wait 14 days for my refund with a $80 deduction, and I never left the building

Do not go with Fred Loya. I am barely finding out how much money I wasted on high rates. They just take. When it comes down to claims they don't pay out after you pay high rates. I had a brand new GMC Yukon with lots of hail damage and I didn't qualify. My friend didn't either but I wasn't as smart as her. She said she would call back with law assistance and they helped her. Now that I wanna add my boys to insurance they wanna charge an arm and leg. Please make sure when looking for insurance you do your research. I didn't know how many complaints, bad reviews, and stories people have online about Fred Loya insurance. They have a 1 star review. This should go to better business complaints. The unfairness is real. Fred Loya is not for the satisfaction of their customers.

Worst experience dealing with the claims dept. My son had an accident May 8, 2025, called in claim next day. Took over 2 weeks to reach someone, left several messages. Claim was accepted as uninsured. Car had to be towed from the accident site, made it known to the claim adjuster the fees are going up every day it sits there. Finally mid June we get a call from salvage dept. We need to sign a release at the tow yard so it could be picked up by insurance company. Got it signed, was suppose to be picked up end of that day. A week later still no communication from claims dept, left several messages for the person in the loss dept.

This company sucks. Martha, Diane, and Melima are all very inadequate of providing good customer service. I spoke to them on many occasions dealing with my claim and they never explain things in detail. Claims are delayed with this company. If you're reading this, please dodge a bullet like I wished I had and get Insurance somewhere else. If not, take notes of these names. They are not helpful. Not one but ZERO STARS PLEASE.

This is by far the worst insurance company. I'm not sure why they have not been shut down yet. Our truck was hit by one of their insured. No one returns calls, not even the supervisors. I sent them an estimate of $5246.38 and pictures of the damage. They sent me a check two months later for $3522.59. No estimate attached, no letter, no anything!! What? This also was a brand new truck that was hit. Where's the diminished value? And how the hell am I supposed to fix $5246 of damage with $3522? I'm sending the check back and getting my attorney involved.

I was hit by a driver who carries this insurance. I have called and left repeated voicemails with no response from anyone to include the supervisor. This is the worst experience so far, can't get a hold of the adjuster or anyone that can work the case, automated system rejects calls, beware of this insurance, it's been 1 month and still waiting just to talk with someone.... This is the most unprofessional company I have had the misfortune to do business with.

This has been one of the most emotionally draining and frustrating experiences I’ve ever had with any company. Throughout my total loss claim, I faced long delays, ignored voicemails, and poor communication from multiple adjusters and supervisors. I was even spoken to in a disrespectful tone and hung up on while simply trying to get answers. Even after I involved the California Department of Insurance, the responses I received from Fred Loya felt vague and inconsistent, offering no real clarity or resolution.

Most of your customers read your reviews? I hope I had. Because if I had, I would have known about your 1.2 rating. I filed a claim and the company canceled my insurance the day after. Refused to let me reinstate my listen. Manager was fine with restating my insurance until she was informed about the wreck then they both spoke in Spanish as if I couldn’t understand them & denied to reinstate it. I’ve contacted my car dealership and even they stated Fred Loya was a horrible insurance company and never wants to pay. With that being said, I’ll die first before ever going to them again or recommend them. Whole thing is such a scam.

Run away. Run as fast as you can. Run away. Do not use this trash insurance company. People there are rude. If you get in a accident they will end your insurance policy. They are rude and will try not to cover any accidents. They are not accredited by the bbb and their bbb score is a 1.07/5. How are they still in business with such bad reviews.

I had a horrible experience trying to cancel my policy when I had to sell my car after losing my drivers license. The communication was awful, and their system only lets you come into a physical location to cancel. Being on a work trip for 3 months, I had to pay for that time and then wait until I was back to cancel in person. Really inconvenient and frustrating experiences. They should definitely be investigated.

Horrible company!!!! Dealing with this company was a total nightmare. Their insured totaled my vehicle. And I got treated like I was the person that caused the accident. Your claim goes from one person to the next person to the next person. No one wants to answer the phone call calls. They don't wanna pay you. I missed work because of the accident. They did not want to reimburse me for that and the reimbursement for the rental was way less than the amount of the Rental itself so they want to cheat me out of my money for what I had to pay for a rental in order to get back-and-forth to work. I truly with all my heart hate this company and would never in my life refer them to anyone. They are the worst insurance company I've ever seen and anyone that I've talked to has said the same thing, save yourself time and do not and I do not get them as an insurance company!!!!

Let me start of by saying I wouldn't even give Fred Loya a one star. The most unprofessional business I have ever dealt with. Some chic runs into my truck and I'm getting the screwed. They are only wanting to give me a 1000 for it. They never call me back. They have had my truck over 4 months. I send them sites of different vehicles like mine that the value is more than what they are wanting to give me. And excuses after excuses. One lady gives you one price the other person gives you another. I pray I will never have to deal with Fred loya ever again.

They make it very hard to make a payment or anything. They know they are low-level insurance and they will treat you like it. If it's this hard making a payment, I could only imagine what it'd be like filing a claim. STAY AWAY FROM THIS COMPANY.

I was hit by a driver that carries this insurance, worst experience so far, can't get ahold of adjuster or anyone that can work the case, automated system rejects calls, beware of this insurance, it's been 2 months and still waiting....

I was involved in an accident on 2/12/25 where I was hit by a Fred Loya insured, and dealing with their claims department has been an absolute nightmare. The adjuster I was assigned was rude and dismissive the one time I actually spoke with them. After that, my calls were ignored completely. I had to escalate my case to a supervisor just to get a response, and even then, I only heard back once. After that, they stopped responding as well. I called again, but no one would answer or return my calls. Their voicemail states that they will return calls if you contact them before 5 PM, but that is simply not true. No matter how many times I followed up, they refused to respond.

This may not be the norm, but I was so lucky to call and talk to a young lady at one of the Tomball locations. When my location couldn’t add a car to my policy that I was purchasing because everyone was busy (and also never called me back as they said they would), I called this location in the next town over. Charlie (I hope the spelling is okay) stayed on the phone with me for AN HOUR after the location’s closing time because of how long it was taking at the dealership for my final documents. I’m so thankful for her, her kindness, and her patience!

This review is for the location on 6928 s Pulaski in Chicago IL. I could give this place zero stars, I would. Not only is this company completely unreliable, but they also have some of the most untrustworthy employees I’ve ever encountered. Imagine signing up for auto insurance, only to find out that your credit card information has been stolen and used—by someone who works at this very location. Absolutely unacceptable.

Fred Loya refuses to accept fault even though their driver is listed as being at fault on the txdot, police report, and my insurance investigation. If you cause an accident and don’t pick up the phone with Fred Loya insurance then you probably will get away with it. Fred Loya insurance is so crooked that there are memes posted about what a terrible insurance company they are. Should have known when Fred Aliya’s son stabbed someone at a party and got away with it they wouldn’t hold integrity to themselves and their drivers.

Our vehicle was involved in an accident (hit and run that a witness saw the individual). Fred Loya would not return phone calls and every time I called I was referred to someone else (with no results). Adjuster was supposed to come out but never called or showed up to inspect damage. Stay far away from this company!

ZERO STARS. On 12/14/24, a woman hit two parked cars (the second being my 2024 hybrid Toyota Rav4) in the lot at the school where I teach and was working the food drive. My car was hit so badly that it had to be towed. My car was brought to Markley Collision in Fort Collins, CO, and the following Monday (12/16/24) I called Markley at 8am to say that I am filing a claim to get the other party's insurance to cover the cost of my repairs. As soon as they heard the insurance was Young America, the worker said, "That's Fred Loya. They are so awful, we won't work with them. You'd need to file through YOUR insurance." I then called Fort Collins Collision. They said the same thing. They refuse to fix a car with that insurance. They said that that company is, and I quote, "a nightmare". They said that company will try to force them to use used and aftermarket parts, and that it's next to impossible to get paid.

In 2023 my son’s parked car was hit by a Fred Loya Insurance holder. He saw it get hit from inside his work. Since he is under our insurance, we called the company and spoke to an agent and they said the claim was being reviewed and they would contact us in a week. A week later we called back and same thing happened. A week later we called and no answers so left message. It has now been over 7 months. We’ve tried going to the physical insurance office, they won't address our issue and tell us to call. We have tried calling so many different people and numbers with no response. At this point I believe this is fraudulent. They are a horrible company.

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.