Fred Loya Reviews

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!

I’ve been a loyal customer for over five years paying $200+ monthly for full coverage on my vehicle, which is a 2009 Mercedes Benz with low mileage also being the titleholder. Now explain to me how this makes sense with this being my first claim, they wanted to only pay me $3000 including my deductible and 3 times less than the “Blue Book Value” on my vehicle. My paint and rims alone overrides that amount, plus the claims adjuster was very rude and highly disrespectful. I do NOT recommend anyone to Fred Loya insurance company.

I’m am reading so many reviews, with similar issues I am currently having with Fred Loya, and I am disgusted that this place is still in operation! On Jan, 2 2024 my parked car was totaled by a Fred Loya insured driver. The next day I decided to give them a call to see if a claim has been filed by the driver, and see what was going on. This is when the nightmare started. I called the claim number that was on their website, and was on hold for 30-min to a hour. I started to read reviews of Fred Loya, and immediately started to panic. After waiting another 15 listening to the elevator music, I decided to use a different phone and instead of reaching out to claims, I would ask for a quote in hopes I would talk to an agent, and be transferred to someone who could assist me.

This is the worst insurance company I’ve ever had to deal with on a business level. They are unprofessional, very rude, barely answer calls or call back, and they will make an insurance claim a living hell. This insurance company should be closed down, I don’t understand how they are in business.

My car got hit by a Fred Loya insured individual. The entire claim process was so horrible. Couldn’t get ahold of anyone, when I did they would give me numbers that wouldn’t answer and had full voicemail boxes. It took weeks to figure anything out and the whole time I was without a vehicle. Such rude employees. Gave me an offer (a low one) and said I didn’t even deserve that for the car. Please avoid this company at all costs.

One of the worker she did very bad behavior with us which is not acceptable for us. She asked stupid questions when I told her I am already insured by this company and you have my policy number. She threw my documents.

This is the WORST company ever! The claims adjuster does not return messages and the low payouts will not begin to cover damages. I'm ready to join a class action lawsuit. If you're thinking of using them DON'T!

It is a ditto to what other reviews have said when their client hits you. Declared a total loss. No call backs. Just total nightmare. Class action lawsuit anybody? How can these people be allowed to do business like this and not be regulated. There should be penalties or guidelines pursuant to law. If by law we have to have insurance, then why aren't they regulated under that same law.

Like most people here, I wish I could select no stars. This company should not even be allowed to be in business and I'm not sure how they still are. Someone with Fred Loya insurance hit my car and it has been nothing but an epic nightmare to get anything done or paid for. Call after call and they just push you around, say they will do one thing and then never do anything or follow up. I have now been trying to get paid for my rental car for 3 months. This company is literally a scam. Class action lawsuit anyone?

I wish I could give zero star, it’s been 4 months dealing with this company. I told them I would like to retain my vehicle and they told me they are going to keep my vehicle.. This has to be illegal. Worst business ever. Jessica **, Mayra ** and Raymond ** will lie to you daily. The car that hit me had Fred Loya insurance also so they played both sides trying to save themselves/ come out on top in the whole situation.

So I was in an accident 7/20 from a oil slip and debris on the road, at first things were going smooth but now dealing with total loss has been nothing but a nightmare, Dpt 19 is the worst. No one returns calls. I have called my assigned adjuster, Priscilla ** and contacted her manager Anel ** and even her supervisor Marisco **. I have left countless calls and messages daily and have never received a call back. I even reported to the DOI in hopes they don’t keep doing this to other people. Only person to return my call is David from a total different department. All I know is I would never ever again fall for an ad on the radio. This has been the worst insurance I ever had. I will be going back to JSB as I never felt with this I rather pay the extra for a better experience!!! Also it’s is 9/21 a month later and still have not resolved my total loss. Go to JSB. They are so much faster!

Fred Loya representatives stalled me for days on finalizing my quoted policy. After they got pictures of my vehicle, my id, my title and a voided check, then they informed me that they would not be able to provide coverage due to an accident I had earlier this year. At this point I’m just waiting for someone to come and steal my car out of my driveway because they have ALL the information they needed!

I do not recommend Fred Loya insurance. When we filed a claim, they took so long just to give us updates. We also had to hunt them down because they would not call us. They charge promptly for a bad service.

After going online and giving all my information I ended up getting much better rates with a competitor. Then for the next 3 months I received non-stop spam phone calls and emails from companies that were sold my info from the Fred Loya website.

Today I went to Fred Loya Insurance at the 5503 Van Buren location in Riverside California. The 2 reps ** and ** were sarcastic, rude and unprofessional. I asked that they remove the roadside service that I did not request. They asked if I had other roadside assistance which I don't believe is any of their business. Because of their attitudes I asked to speak to a manager which they stated he was at lunch.

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. ...

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.

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.

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.

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...

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.

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.

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.

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.

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.

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.

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.

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.

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!

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.

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.

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.

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!

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.

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.

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.

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.

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 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.

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!

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.

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.

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.

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.

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.

I was rear-ended in an accident, their client is responsible for the accident. I have filed all the evidence: photos, police reports, my statements. But they can't reach their client. Like they can not contact their client after almost a month of the collision happened. All parties' statements are ready, except their insured. My car is still sitting there unfixed. They gave me an estimate of 1450, but the actual cost of repair is 5900 dollars. They gave low estimate. Trash company with trash insured drivers.

I have been with Fred Loya for two years. Not only is it the law in Texas that you must have insurance you want to have it in case you have an accident. I had no idea how horrible the service was in the claims department until I had an accident. Very unresponsive, very unprofessional. Overall I just feel like I’ve been taking my money that I pay out to make sure I’m insured and covered. If I feel like I’ve been ripped off honestly at the end of the day you pay for what you get. They are very cheap insurance and you’re going to get cheapest service!

Fred Loya is the worst company in the insurance business. Have expensive cars insurance and went you want to file car accident. The worst customer service. The adjuster takes forever to answer and they don't want to paid the damage

Vehicle was damaged by one of their insuree in 2020. Shortly thereafter, I started a claim with their office. They assigned two claim adjusters by the name of Joseph ** and Anarosa **. If you have low expectations for an insurance provider, below average expectation on follow-ups, and drop commitments then Fred Loya would be your perfect insurance provider. What to expect from this insurance provider... slow turn arounds on claims, below-average customer service, and zero callbacks from their staff. AVOID AT ALL COST.

This company is the worst insurance company ever. You're covered for a rental up to 30 days yet they will not honor it you get two weeks max even if your car is still in the shop. Customer service is terrible. The return calls from adjuster is over 48 hours. They make you stand at autobody shop while they are talking to the shop before they approve it.

Worst company ever. They didn't help me at all when I turned to them when my car got totaled by someone crashing into it while it was parked. They left me alone not knowing what to do. They only know how to deduct 60 $ from my account for nothing. I wouldn't recommend this company to anyone. There are other companies that much better with much less price.

Fred Loya insurance is the worst insurance company with the worst customer service! I signed a form to have my payment drafted 7 days prior to my due date, and they drafted my account 10 days prior. Example: My payment is due on 05/03/2020 and they drafted my account on 04/24/2020! Let’s not forget to mention how we’re on a stay at home order due to COVID 19, and this agency won’t even reduce the payments. You would think the the OWNER of this company who lives in this community, would want to help and give back, but nope! I’m cancelling my policy with them! I will NEVER conduct business with this company again!

This driver harassed me in my front of my own home. See all that room on the other side? He wasn't nice enough to move so I can fully park in front of my own home. He proceeded to call me fat, ugly, and a disappointment. I am going to post this all over social media right now. I am so livid and scared for my life. He knows where I live. The words he was calling me shows a very sad unhappy man who would prob come back and do harm. Please address this now! No name tag, nothing that indicates he actually worked for you guys. I'm a single woman who lives alone. Scared. I have emailed and called Fred Loya Multiple times with no luck.

It is obvious to anyone who has ever done business with the Fred Loya Company, that the people don't care about being ethical or professional or even nice. The worst employees are based out of the Texas office - Ramon ** is a dirty rat and doesn't listen to people, he is just trying to make money. Alejandra ** was probably trained by him and she is not only unprofessional, unethical and immature, she is prejudice and has no conscience. They are a nightmare to work with and crooked and slimy.

This is not even called a company. Such a scam... My less than 1 year old vehicle my vehicle was hit from behind by their insured client while I was stopped behind traffic light in the right-bound lane to turn right. We both felt the contact and jumped out of the car to inspect the damage. My rear bumper and license plate were clearly damaged! The other driver instantly denied that she even hit my car which was mind blowing... We called the police to come out and file a report; which he did. Called Loya Insurance to file a claim and took us 2-3 hours on the phone to report out and answer their questions. 10 days later we got a letter that the claim was DENIED! This was stated on the letter: "THE DRIVER OF THE INSURED VEHICLE WAS NOT THE PROXIMATE CAUSE OF THE LOSS." Are you serious? Is this even real? I am speechless!!! I have no idea why these scammers are even allowed to conduct business in our country?!

One of their clients hit my car and dealing w/ Fred Loya has been a nightmare since day one. I will never consider them when shopping for my own insurance nor would I recommend them, just the opposite! Their customer service is terrible and the people in the rental department don't call back like they say they will, they stopped paying for the rental car 8 days before my car was fixed, not a reputable company!

First of all why this place is still I don't understand. They rip everybody off. Just look at the reviews. He'll just Got hit by Fred Loya driver, got assigned some punk named Elgardo ** but they called him Eddy, called he answered in Spanish, and as soon as he heard my Southern accent he started just being rude. My car is not drivable so since their driver t boned us I asked about a rental and I told him my 4yr old leg is broke. We have an appointment to get her cast removed Thursday. This guy laughed and said "that's not my problem. It's not my fault you're not responsible enough to get your daughter to the doctor." Shook by the comment I said, "So your driver wrecked my car and now It's not you responsibility?" He then said, "I'm sorry you're poor and can't afford a rental." Even said at one point, "You want better service? Use your own insurance..." I'm for real. This guy is just a **.

On November 11 2019 my wife was on her way to work. She was stopped behind traffic at a light. She was in the righthand lane because she was going to turn right when she reached the intersection where the traffic light was. While stopped she was hit in rear driver side quarter panel by a black SUV evidently trying to get in the righthand lane. Both my wife and the SUV driver pulled into a parking lot to exchange info. The driver of the SUV did not have a license but did have a Mexico passport and expired insurance card. We did learn later she was insured at the time but did not have the latest insurance card with her. My wife took pictures of documents and auto damage of both vehicles. Our insurance determined she was not at fault because she was stopped. The other drivers insurance (Fred Loya) also denied the claim for damages. They are well known for doing this. If you are ever in an accident we hope the vehicle is not insured by Fred Loya.

It started with them running my payment 10 days in advance granted I had the money in my account but it somehow declined. Mind you no notification from my bank that something was declined. So we call the day before our payment is due to find out what is going on. Without much explanation they said we had too many claims and that the "underwriters" made the decision to no longer insure us going forward. I told them I have been a loyal customer for almost 6 years now. When we asked for more details as to what the claims are they stated it was windshield replacements starting back from Dec 2014. Mind you there were a total of 4 replacements for the entirety of our business with them. With 1 replacement in the year I also live in Phoenix, AZ where we get bad dust storms so it has to be replaced 1x a year.

My car was involved in an accident in July of 2019 which I have full coverage insurance. Another lady in another car drove us off the road. We had got a police report showing the accident and the lady's insurance did not cover our car which was a total loss. Fred Loya didn't even back us up and our car was a total loss and now when it comes to me getting the report or a copy saying that they denied my claim Fred Loya insurance will not even give me a copy with my name under it stating that they denied my insurance so that Gap can take over and cover what they can with the car. This is a bad insurance company. I would not ever recommend this company to no one because what's the point of paying for full cover coverage insurance and you can't use it.

This last accident I was involved in, NOT MY FAULT, I was an innocent bystander who was hit after the accident occurred in front of me. Fred Loya totaled my car and then proceeded to treat me like I was at fault when I obtained a lawyer. Long story short, they took over two months to finalize the total loss and they’ll probably claim it was my fault for the long process. When I went in to remove the total loss vehicle from the policy and remove myself (I’m done with subpar insurance companies) my mom (second driver on policy) wanted to remain as a client with Fred Loya. They told her they need approval to “ALLOW” her to proceed with insurance through them because of the amount of claims on the previous policy. WHAT?!?

We were were hit by a customer of Fred Loya in a parking lot in Sept of 2019. They were unhelpful from the start. My take on it is they are interested in collecting the premiums but will do what it took to get out of paying. If my insurance did that to another person and it was my fault, I would be mad! The purpose of insurance is to pay for damage when a mistake is made. Fred Loya has a bad reputation from everyone I talked to starting with my agent, my adjuster, etc. Fred Loya wouldn't confirm if the customer had insurance since the driver, Chris, didn't have a current insurance card. I had the policy info, name and address. A photo of the proof of Chris' insurance. I then called my insurance co. (Safeco) who were great.

Fred Loya is the worst insurance I've ever delt with. I've been with Fred Loya for years. Recently I was in an accident where I was rear ended, an unavoidable accident which was not my fault. My vehicle was totaled. In a case like my mine you would think that the insurance company that you've been a loyal customer for years would be sympathetic or have your back. They are the most unprofessional, unsympathetic, horrible customer service, rude group of people I've ever delt with. Not one time was I even asked if I was ok. Not one mention of a loaner car.

When you buy a car in Texas it must have insurance before it leaves the lot. Every insurance company either accepts pictures sent to them, allows the customer to come in within the next day for pictures, & most will also offer DocuSign or email documents for them to sign. Fred Loya will only allow a customer to get insurance if they bring the car in. Well, if you haven't bought one yet because you need insurance, & if the state of Texas says it is illegal to drive without insurance, then Fred Loya will ONLY provide insurance to people who make the choice to knowingly break state law & drive the vehicle to their office with NO Insurance. Fred Loya is a crook. He has been preying on the Hispanic community & the lower socioeconomic communities for decades & everyone just looks the other way.

I was hit by a driver of Fred Loya's.... Wasn’t my fault. I was in the store and someone passing by come inside and told me my car was hit. I call the company and reported the accident and the next day they sent me to a different adjuster and omg he sucked. He never answered the phone and when I could get ahold of him he would tell me he couldn’t do anything about my damages until he got a statement from the driver which we had already given our statements to the previous adjuster. I said I would get my lawyer involved and boy did he get the stick out of his ** and got on with my claim... Fred Loya insurance isn’t the worst by far.

They are very difficult to get a hold of. They will call and leave you a message, but when you try to call them back, it either goes to someone else's voicemail (so they must have not updated the ever-changing customer representative's voicemails) OR they shockingly answer and take your claim # and say they will call you back (no ETA provided). Once they never called back like they said they would and the second time, they called after their work hours so how should I have expected a call back from them to be available? Their voicemails also says if you call and leave a message before 4pm MTN, they will return your call before the end of the day, which is a complete lie. Horrible customer service. I'm already not expecting a promising result on the claim based on how they treat their customers. Absolutely HORRIBLE!!!

At the end of August a driver hit my parked car & they were insured through Fred Loya. Seeing that this accident was 100% not my fault, I decided to go through Fred Loya for repairs in an effort to avoid paying my deductible through my insurance company (Progressive). It has been nothing but an ABSOLUTE NIGHTMARE with this company from the very start. Here we are almost 5 weeks later and my car is still not in a shop for repairs.

They are unhelpful, they change the story from one thing to another. We have full coverage but you need to pay upfront out of pocket first before they cover any cost and they do not provide detail information. Once our vehicle is fix we are leaving this company.

I live in Las Vegas NV, I would not recommend LOYA INSURANCE to anyone. I was assisted by an agent named Yvette. Short black hair, with a lot of make up. She was very rude. I asked her questions about the auto insurance policies she begin to be very annoyed by me huffing and puffing, rolling her eyes and laughing. I asked for my paper work back because I did not feel comfortable for her to assistant me any longer. She refused to give me back my Personal belongings. Meanwhile everyone else in the office that works there was watching her be very rude, unwelcoming and disrespect towards me. Nowadays companies hire anyone. I was so angry with the way I was being treated with no one to back me up I wanted to slap the ** out her so I just snatched my personal belongings and left. This location is on LAMB AND BONANZA.

I was hit in the parking lot at Target's. The person who hit me, left her name and number and it was on the camera at Target too. I called her, got her insurance information, Fred Loya, took my car to their office for them to look at damage. I was never contacted again. Never took my car to a body shop, they didn't return my phone calls. Finally, after 3 months, I got a hold of someone who said they had sent a check. I wanted to know how they even came up with an estimate since no body shop ever even looked at my car. I didn't receive a check either. As of now, the only thing I have received is a form letter saying they had voided the check and they are "investigating". I believe that I should be able to take my car to a body shop and not to a Loya office for an estimate. I also feel that 9 months is way too long to wait for resolution. I would never purchase insurance from Fred Loya and would advise others not to as well.

I got hit from behind and the one behind me had Fred Loya ins and they don't want to pay for my 1,661 chiropractor services. Ricardo ** from Fred Loya says it was not so much damage to my my vehicle. I'm not asking for a lot. I'm asking so can pay my insurance 1000 back and get my 661 out of pocket. I paid which was nothing for me just to be out of pain from neck. So yeah and they are offering me 500 dollars. Worst insurance ever so please pray you never get hit by one of these people caring insurance from Fred Loya or pray to be able to carry better insurance than these guys. By the way Allstate is great. They make the process so easy. And pay within 7 days.

Let me start by saying if I could give a "zero" rating I would. If you want an insurance that will just take your payment each month ONLY, without the intention to ever have to actually use your insurance, then Fred Loya is the company you want. I have been insured with Fred Loya almost 4 years. I used my insurance July 2018, because someone took the entire front end of my car off in my workplace parking lot. I should have took the hint then with the bad service and delayed processing (3 and 1/2 months) then to run for the hills!!! But no, I remained loyal as a policyholder. So, my car was stolen, and damaged and you guessed it - the hassle begins. Continual request for more and more documents, rude service full of interrogation and scrutiny - as if I was the criminal. The crime was resolved, assailant arrested and bonded out and that wasn't enough for Fred Loya!

On May 24th 2019, my car was parked in front of my house when I got hit. I was not home at the time. It was a hit and run. Not my fault. I was not even at home at the time. Once I got home I made a police report and called Loya insurance to start the a claim. I was asked to take my car in the next day so they can take pictures. I did and I was told because of the holiday it will take a little longer to process. I called the adjuster (Daisy **) on May 28th and she told she had no updates for me. It was still in process. She said she will call me with any updates. She never did.. I left many messages for her asking her to call me back. On June 1st I had a missed call but it wasn't from her. It was a co-worker of hers by the name of Oscar. I called him back and left a message. This was on a Saturday.

Every bad review about this company is more than true.. For every day I don't receive compensation for my lost car I will write a review.. I was hit by a driver on their policy, nearly two weeks ago and I still haven't received any compensation for my car that was totaled. This is my only car and I've been extremely patient. I'm this close to taking this to court and suing the company for every penny they have left. I waited a week for a claims adjuster to come out..It's been three days since then and still nothing. I call and ask them what's taking so long. They tell me, "We need to send you some documents and you have to send them back then we will send you what we owe you." I asked will they give me a rental since my car is a total loss. They told me, "No. It has to be in our shop to do that. We don't provide a rental for total loss..."

They are worthless and they don't assist consumers. They don't listen to consumer needs. They want to charge me a late fee every month instead of putting my charge date for the day I came which is the 21st around my pay day but no they expect me to pay them a late fee each month. I spoke to a manager and still no help so I will be going to another company. Thanks for nothing Fred Loya. I wish I could give no stars. They don't deserve any.

I am complaining about Fred Loya's claim department, I have an issue with my car due to an accident. They will not correspond with the auto body shop because I chose it and it's my responsibility they say. Also, they will not send another adjuster out because they can't take my word for it. I have been a loyal customer for 6 years, and always have paid on time. They won't give me another rental because I have used my 10 days, when I get another car you will no longer have my business. This is it! I pay full coverage on two cars at 213 a month for horrible service. I will be done after everything is tied up, promise.

I placed a claim against Fred Loya's Insured. The Insured driver who rear ended me was 100% at Fault, however it's been a nightmare to get my vehicle repaired. It's been 2 months since my car was looked at and a check was cut for 3k. Keep in mind the other vehicle was totaled. The Repair shops won't take Fred Loya's because they don't want to pay, I see why. The repairs exceed more than the 3k check. I need help. My car is at the shop, no repairs have not been started. I got a check for 7 day rental that I have not cashed.

I was struck by a Fred Loya insured driver who was cited and admitted fault at the scene. The initial encounter with this insurance company was frustrating and opened the door to many more frustrations as the claim went on. They would not accept 100% fault until they had gotten a statement from their driver and kept claiming they could not get a statement from her. Meanwhile, my insurance company had already completed their investigation in which the other driver was cooperative and admitted fault to my insurance company. There was a police report filed citing the other driver as well as the information my insurance company shared with them to help expedite the process. They still would not move forward until they got a statement from their driver. Their driver went to a local office and completed a written statement that apparently was "lost in the shuffle."

I had got in a accident with someone, the company didn't fight for me even when the other drive took fault of the accident. They ended up making the crash my fault and after things get even worse. They sent a tow truck to my home where my car was parked. Fred Loya called me and said the car is going to be picked up and sent to our partner shops 40 miles away and will give us a quote on the repairs needed for my car. They later called me back and said the car will be repaired in about a month and I will be able to go get a rental for the time being. I got ripped off by Enterprise fraudulently signing and approving their extra insurance which was 150$. After which Fred Loya never returned my call about helping me fix that. I had to pay....

I was hit by someone with Fred Loya insurance and the experience of getting my car repaired has been awful, to say the least. They're rude, incompetent, sexist and there's a reason why VERY few body shops will work with them. They won't release my car because Fred Loya went back on parts they approved and kicked me out of the rental car. I have to pay for 100% of my repairs even though the driver was at fault. I've heard this company is fraudulent and I truly believe it should be investigated. How they deal with claims is beyond bad. Also, they refuse to pay for my medical bills and the parts they approved for my newer car didn't fix it. It was a mess and a lot of back and forth with their entirely incompetent team. I was disrespected many times over the phone as well. I would highly recommend getting a lawyer and know this process will be difficult.

I have been communicating with adjuster a supervisor who would only identify himself as Ricardo, and appraiser, since March 2019, when Fred Loya client's truck driven by a person who was arrested at the scene for DUI, had a one car accident that damaged my real estate property. The driver left the road and drove through and demolished 35 feet of my fence, and slammed into my healthy, mature oak tree. The tree was severely damaged and two tree specialists (one a certified arborist) stated that the tree would not survive, would become a hazard, and should be cut down. After my providing all information, including proposals from contractors and photos of the wreck and damage, Fred Loya sent me a check, without conditions or requirement to sign a release. However, this only covered about half of my immediate damages.

Honesty get you in trouble with this company. A couple of months ago I asked a question about what my insurance covers. They told me it don't cover what I needed so I told him that's fine. Now I'm trying to pay them and they want pictures of my car and I'm a thousand miles away from my car. And I had a Jessica tell me to put an uninsured motorist in my car to drive it to one of their locations. What insurance company does that? They won't take my payment. My car hasn't been driven in over a month. I haven't been home.

This insurance company is the worst, if I could rate them 0 I would. Filed a claim against them, their driver backed up into me when he was reversing out of a parking spot and failed to see me. I was already in the lane and reversing to reverse park in a spot when their driver hit me. It's been a week since I've been trying to get an answer and they told me they'd have a liability answer yesterday. Instead, I got into a heated argument with their stupid adjuster, Eduardo, Edwardo, however you spell it. He was so rude, insensitive and the worst customer service. Like, YOUR driver hit ME. YA'LL inconvenienced ME and then don't want to take responsibility or pay for damages yall's client pays for?! Had no choice but to file with my own insurance and they can duke it out, Fred Loya is the worst company ever. I don't understand how it's still a business. They should be shut down!!!!

I was hit while parked in traffic by a car that spun out of control traveling around 20 mph, and slammed into the side of my SUV while my kids were in it. I decided to use his insurance to process the claim as my deductible is high, and I'd have to pay out of pocket first before being reimbursed. He was insured by Fred Loya... I was already uneasy as I had never heard of them before...

My vehicle was struck by a person insured by Fred Loya. That insurance company called me, and asked me to make a statement about the accident, that would help them determine who was at fault. I'm sorry, but it was obvious at the accident that their client was at fault. Then they proceeded to ask me questions about THEIR CLIENT: was she using her car for Uber or Lyft? How would I know? Clearly, their question was a witch hunt to find a way to deny coverage to their client, and get out of paying a $550 claim. Coverage that their client paid good money for!!

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.

The biggest rip off of any car insurance. First off they raise your rates when you have had no tickets or accidents in 20 some years. Then when you do have an accident they don't want to cover it. Never ever get Fred Loya insurance because you will be wasting your money. Go with Progressive, Geico or one of the other big insurance companies. I also heard they treat their employees like crap too..

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.

On April 18, 2018 got an estimate with Nataly for Liability Auto Insurance: Policy, $156 for 3 months and to be deducted from my Bank Acct. So today April 19, 2018 went to sign up to one of their locations and Judy said, they change the policy to $183. According to them because I stop 3 times when driving my car. So the more stops I do, the more they charge? I called the 1-800 and they said can't open a policy for me at this time. This is ridiculous.

I was rear-ended by one of their customers. They told me that everything would be covered, but when it came to paying out they refused to pay out in full. My body shop Maaco was in contact with them, told the insurance company that the two day estimate to get it fixed was not realistic due to workflow and ordering parts, and that they completed the work as quickly as possible. Even with this they would not pay out for how long I was without a car and I got stuck with a bill. This insurance company needs to be investigated. They rip people off who their customers hit.

I got hit by one of their customers and I had to do their job. I had to call them. I had to keep calling because every time when they were supposed to they never did. It was always next day or tomorrow. My car got totalled and they want rip me off on the price. I paid $1500 for the car and they're paying me $1300!!! Not including the price I paid to get it registered and expected. The associate over it didn't even call me. I had call him and he rude the entire time. He chuckled when I explained I paid the amount for it and I pointed that out. He ignored it like it never happened. They think amount but it's something to me since I missed work thanks to their customer and had trouble getting there cause they took so long. If I need insurance for a new car it won't be with them. Should hired a lawyer.

I had full coverage with Fred Loya. My car would not start in the morning. It needed a new battery. I had to get to work. I called the person renting my basement as they had an extra car to see if they had a spare key and if I could borrow their car. They did. I used their car and got in an accident. My insurance was supposed to cover a loaner car. They denied it. Now the other insurance company is trying to take my license. Fred Loya then would not insure me saying I was uninsurable, but they added me to the insurance of the person renting my basement without even letting them know.

I was in a fender bender with someone insured by Loya. They are non-responsive and I made sure all correspondence was in email. They went so far to lie to me about contacting my body shop and told me my shop padded the estimate. LIES. This would have been big trouble for body shop had I not investigated, my shop offered to go on a 3-way call. Loya refused. I might add they took 100% liability for the accident. I only wish enough people would join a class action lawsuit and STOP Loya from screwing people. They should be fined and/or closed for the unethical practices.

Fred Loya sucks. As we got hit by one of their people who had Fred Loya that didn't want to pay the medical bills or for my car being total. I went to mediation and Fred Loya showed up without their people who can say yes or no on the money. They play games and that's what this company is. All games. Go get State Farm insurance. A little bit more but they take care of their customers. I got a rent a car that paid to get my car fix. They say you get what you pay for. Cheap insurance cheap and sorry company. I will never do business with Fred Loya and hope y'all done. Either put this sorry company out of business. My next step is calling the BBB Better Business Bureau on them. You make sure they go out of business.

I've had auto insurance thru Loya Insurance for about 10 years. My policy canceled cause my automatic payment didn't go thru. I called them, paid over the phone, stepped into their office to sign paperwork and that was that. I had roadside service before it cancelled, because they asked me if I wanted it. When the policy cancelled, so did the roadside service which I understand. They didn't ask if I wanted to include it again and I figured everything went back to what I had before since there were no questions asked. Now I need a tow truck and have no roadside service. After 10 years you'd think I'd get more than a "unfortunately..." I'm super frustrated with them.

Fred Loya has cheap insurance prices for their customers, but if you get hit by their insured vehicle don't expect for them to accept your claim, even if they were at fault. I got hit on the side of my vehicle while at a Drive-thru. This is their tactic to keep their prices down.

I’m having an issue. I had an accident and my car was in the shop since December 18th 2017 and was deemed a total loss just recently on Feb 1 2018 partially because Fred Loya didn’t know how to communicate professionally so a lot of delaying was going on then when they finally got ** done they deemed it a loss. Then they had me come in and sign the release paper at the body shop so they can pick up my car and so that the total loss adjuster could come out and pay me out for my car and now that’s on hold 'cause they are investigating the other vehicle 'cause their damages don’t match mines as if to say the other party is trying to get damages fixed that was already there.

Previously I was a customer at Fred Loya. I had 3 claims that's still unresolved. They promised in the contract. They never came through, after sharing my information from my privacy rights on down to sharing my bank account information. They lied and betrayed my confidentiality. They withdrawn money without authorization, after not following through with the promise stated on the contract. I feel like if you got to lie and scam people for your gain for business, and don't follow through. Someone needs to file a complaint, and I am one of them to help get the job done.

A week ago today I was involved in a car accident at 18th & Euclid. A 21 year old girl speeding, ran a red light and we collided. I've been having to deal with my AAA insurance (who I'm also disappointed with); after obtaining statements from two witnesses my insurer FINALLY agreed I was not at fault, however LOYA insurance says their client was not at fault, EVEN THOUGH they also took statements from the two witnesses who saw everything - they were directly behind me AND according to the officer, her statement to him was "I think I ran a red light." Being that I do not have car renters insurance I am SOL for rental reimbursement. Lucky for me my medical expenses were minimal. It's so frustrating!!

I was involved in an accident. The person that hit me was an insured of Fred Loya, on 12/28/2017, today 01/30/2018 still no car and my parents had to come out of pocket for a rental since FL does not supply rentals even if their insured is at fault. The adjuster is NEVER available (David **) his supervisor (Vienay **) is never available and neither is her supervisor (Mauricio **). Then they tell me if I’m not using one of their preferred body shops I would be responsible for getting my car towed to have it fixed plus 40% of the cost of the tow yard (mind you my car had been there over a month) so now I’m out of $939 for the rental and looking at another $400 just to get my car to a place to have it fixed and I was then informed that they would only claim 60% at fault, it was 3 cars involved.

Never have I had such a bad experience as a consumer as with Fred Loya insurance. Their client hit my car. I have 2 at-the-scene witnesses that the LOYA client was responsible for the accident when he hit my car. My insurance has reviewed the information and declared me not at fault when the LOYA insured hit my car. LOYA insurance is refusing to pay my claim stating that I was at fault despite the fact I had 2 witnesses testify that I was not at fault. My witnesses voluntarily stayed at the scene to talk to the police to declare the LOYA insured driver at fault. I will file a complaint with the Colorado Insurance Commission.

My brother received repairs on his leased Toyota car after an accident. Fred Loya Insurance sent the payment to the shop with his name, my mother's name (lease co-signer), and Toyota Financial Services. The shop wouldn't take the check without all 3 signatures. Toyota Financial Services at the dealer would not sign the check. Fred Loya Insurance, both physical location and over the phone, refused to help or reissue the check without Toyota providing a written statement and Toyota said they've never had to do such thing. Fred Loya Insurance informed my brother there was nothing they could do to help. We are on the 6th week of attempting to resolve this issue, still in process. Because of Fred Loya Insurance's incompetence and challenging procedures my brother does not have a vehicle and cannot go to school. His on-campus college semester begins tomorrow. :(

0 stars... I went to renew my tag and it was showing no insurance... FRED LOYA cancelled my insurance but they have been withdrawing money out my bank account every month for 298 and when I called the office Jasmine had an attitude with me. I request to speak with a Manager several times and I was told she was on the phone several times. I had to threaten them in order to get them to push it through.

I’ve been a loyal customer for several years but yesterday I decided to cancelled my policy. Every 6 months when I renew my policy I had an increased & bad customer services in the location of Tampa & Roscoe in Reseda CA. I have excellent driving record as well my wife & daughter. We never had a claim. For 3 cars full coverage they increase to $602 per month. Now in Geico I am paying $447 for more coverage & better plan. They gave me a credit for Straight A student. Goodbye Fred Loya!!!

My daughter's car was hit in a parking lot by one of Fred Loya's customers. She had two witnesses who went to campus security with their eyewitness account of the guy hitting my car and then driving away. They both had descriptions of the driver and one of them had the license plate #. The guy was later arrested for hit and run and a police report filled out. His truck had white paint on the bumper that matched my daughters car. And there is CCTV video of him entering the parking lot and then a few minutes later leaving in a hurry. Fred Loya says that they believe their customer was not involved (Really!?!) and they are refusing to pay. The case has now gone to arbitration between my insurance company and them. Basically, Fred Loya is a scam and is not offering coverage, only a piece of paper saying that you paid for coverage.

I am amazed that this company is still in business, especially after seeing all the negative reviews online. There has got to be a way to lobby to get this company taken out of business. If a drug company were providing its customers with sub-standard drugs, they would be penalized, yet this company continues to exist? Recently one of their clients slammed into, and totaled my brother's car, and severely damaged my car. The police made a report that it was the client's fault since both cars were parked in the driveway when their client hit them. They dragged their feet with (a) writing off and issuing the check for my brother's vehicle, and (2) my car sat in the shop for almost 21 days while their "adjusters" kept going to the body shop and providing low-ball estimates. The dealer was not able to repair the car using their estimates.

I chose Fred Loya Insurance because I was assured that they were a good company to go with, however 3 weeks into my policy I was forced to cancel it since I no longer own the vehicle. When I went in to do so I was assured that I would receive my refund check minus the $50 cancellation fee within 2 weeks. It has been almost a month and I still have not received anything. When I called, I was informed that I was not entitled to a refund because they were taking out more fees than what I had been told would be taken out, which was the $50 cancellation fee. So not only am I not getting $130+ back from them, they say I technically OWE them money! Do not get any insurance from Fred Loya... Period!

I was involved in the most minor fender bender with a Loya Casualty insurance member who reversed into my car and before I had called them they had decided I was at fault. The damage to the other persons car was very minor whilst mine was a little more serious. I called them and sent letters which they did not reply to and offered to pay if they paid for my damage.

My daughter turn 16, and without my authorization they decided to add her and charge me without my consent. They said since she turn 16 they ASSUMED she was going to drive. They charged and withdrew from my banking account without my consent. Called them and I couldn't take her out of my policy unless I went in person to sign papers to approve for her to be withdrawn from my policy, what an irony. They didn't me to add her and charge me without permission.

We had this insurance for 4 years, never had to file a claim till last month, my husband was driving on the highway and cut a sheetrock panel on the road, got damage on the windshield, front bumper, driver side mirror, driver side fender, hood, etc. We call and file a claim, when they give us the final estimate they also send us a check for $130.00, so I laugh, and call them back, took my truck to a shop and they give us a total of 1800.00 to fix it. I meet the adj at the shop and he told me that he was not going to pay more than that because my truck had rock-chips on it. This is how easy they get away of the bill, so what’s the point for me to have a full cover insurance on it?

I would have given 0 stars but it wouldn't let me. My driver was involved in an accident in May. Fred Loya’s driver was 100% at fault. I even have text proving it. I had full coverage and had to file with my insurance to get a rental car and my insurance ended up paying me for my totaled car. We have medical totalling almost 9000$. They are refusing to pay all medical and lost wages and only offered my driver $1000 for injuries and pain and suffering. Our claims adjuster is Derek **, he never returns our calls, we are constantly calling trying to get an update or status on our claim and he never has an answer. We aren't trying to get rich, just want a fair offer. This company is a joke. They have the worst customer support ever. Our next step is an attorney.

This insurance company is horrible. We were hit from a driver covered by this insurance company on Monday 8/28. Today is 09/05 and we are still not in a rental car, my smashed vehicle is still sitting in my carport and for my husband, myself and 2 children under the age of 9 years old, they have only offered us $500 for injury settlement. It's impossible to get in touch with your adjustor or even a supervisor. We have been given the run around from the start. They are horrible.

I was rear ended by one of their insured. All I wanted was my car fixed. You have to speak to different people in different departments (out of state) for every aspect. They have all been unprofessional. They have "regulations" on when and how you get a rental. Mind you, I was hit. They came in very low with estimate to repair my car. Of course it cost a lot more than estimated. The body shop is waiting for the supplement check from Fred Loya insurance. My car has been in the shop for over a week. They are refusing to pay any more of my rental, leaving me to pay out of pocket. This whole ordeal has caused me severe emotional distress and anxiety. I really don't know how they stay in business.

Fred Loya is the worst insurance company I have ever had to deal with. I got into an auto accident on June 19th, 2017, I finally got my car back today. They did a half ** estimate the first time, and the body shop had to call them twice to do a supplemental. My claims adjuster Clarrisa ** lacks customer service skills, just as well as the customer service department, they refused to give me a rental, amen for the body shop they have me one! I hope and pray I never get into another auto accident with a Fred Loya driver!

I been with Fred Loya for couple years now and every time I go to make payment their staff are rude and tend to over charge me in 6 months. Time I went from paying 74 dollars a month to 103 dollars For Liability. Is it me or is this company robbing people blind. Am just tired of dealing with these kind **. I will be searching for another company soon. Go ** yourself Fred Loya insurance. You’re nothing but ** rip off. Don't buy insurance from this ** no good piece of ** company.

I have not one good thing to say about how they are handling my loss. I've been without transportation for two months, I asked for a rental car they declined. Signed over my totaled trucks title a month ago. It's been sold and I'm waiting for my settlement. I've lost $3000 in wages. Horrible business.

On May 25 my car was struck by another driver who run the red light. Needless to say that I have been insured by Fred ** Loya. Since the very next day my car has been sitting in the body shop waiting on them to get the repairs paid. My adjuster Eita has the worst customer service etiquette I have ever experienced. The supposed to be investigator Jasson good for nothing. Doesn't even know what's going on even if it hit him on the face. Do yourself a favor and never get insured by this company.

Fred Loya's insured hit my car, she was found at fault and received a ticket, but Fred Loya will only pay 60% of the estimated damages, claiming "Driver Inattention" on my driver. How can you not pay the claim @ 100% when your driver was at fault?

This company is crap, in every aspect. How are you even in business, when you obviously cannot do a job you're supposedly paid to do? My daughter was parked at a restaurant and one of their "insured drivers" hit her car as they were pulling into a parking space. Right away the other party wanted to send my daughter to their own preferred body shop, in another county. My daughter made a claim with Fred Loya, went to the office, they took pics, and never got back to her, until she started calling 24/7. They stated they can't carry on with the claim because their insured driver will not return their calls, to give her statement?? They have bad communication amongst each other, between California and Texas. None of them know **! It's like a revolving door or no one knows **! Your best bet is to just sue for damages because you will get nowhere with these people! HORRIBLE HORRIBLE service, never dealt with a company like this!

My daughter was in an accident with one of Fred Loya's insured customers. He was at fault according to the police report. My daughter has been calling them for months with no results. The claims adjuster stopped answering her emails and her calls. She has been trying to talk to someone for weeks. When she does speak to someone they tell her she needs to speak to someone else. Fred Loya is giving her the runaround. They offered her 250 when her hospital bills were over 3000. The accident occurred in December 2015. These people are unprofessional and lack integrity.

I have had an unbelievably awful experience with this insurance company. I was assigned to someone named Elita ** as a claims representative. I asked her for her license number and she told me she did not have one. Then she laughed at me! I asked for the license of the other claims rep and got the same response. Got most recent correspondence from someone named Priscilla ** also a claims representative and not licensed. This started on April 4th of 2017 and as of today May 23rd they still have not fixed my car. I cannot get to work. The car is unsafe to drive according to everyone who has looked at it that is a professional claims service representative, including Toyota's service manager where I bought the vehicle and independent body shops.

One of their policy holder hit my car and he even admitted that it is his fault but still these people are lying to me saying the hitter did not see me in his backup camera. I had call my adjuster ELITA ** and left 6 voicemails on different occasions and she never picked my call. Finally I had to call other customer representative to reach her. Then they are offering 250 dollar for my damage where my damage cost 1000 dollar. And they talk to me like if I'm bothering them by calling at their house. IF ANYONE WANT TO CLAIM THEIR LOSSES PLEASE LET ME KNOW. I'M GOING TO SUE THEM BIG TIME. If anyone want to claim their losses email me your info at **. My lawyer will work with each one of us.

I've read some of these reviews and have come to the conclusion that most people leaving reviews are a bunch of whiny, stuck up **. I had an accident a couple of months ago and the other driver was at fault and was a Loya customer. I am NOT a Loya customer. Because I only carried liability on my car, my insurance company was less than helpful. I called Loya and filed a claim against their customer and was immediately taken care of. An adjuster was assigned to the case, my car was inspected at the tow yard and an offer was made on the car, that was listed as totaled. Because it was a 17-year-old Isuzu Rodeo with over 260,000 miles on it, I wasn't expecting a whole lot of money. I figured that anything over $1000 was going to be gravy.

Fred Loya Insurance is a horrible car insurance company. They sold me a policy and presented me with all these great benefits but left out all the fine print. Every time I ran into a problem involving my vehicle they always seemed to come out with an excuse on why they couldn't help me without me having to pay more money. Right before I had about enough of them and decided to cancel my policy they asked me for my month payment and said they couldn't go forward with any actions until I paid for another month. After canceling I immediately demanded a refund for the money I had just paid since I wouldn't be using their services anymore. The manager said there was nothing he could do and that he could not refund me. I was enraged. I can't believe how horrible they treat their customers. Fred Loya is a thief.

Worst company ever!!! They called me saying my account was closed and my payment could not be processed. I paid with the same account immediately on the phone with my agent, only to get notice later that day that they had drafted my account again for the payment. Have been getting nothing but a runaround now for 3 weeks. I changed to a real insurance company. My agent in Mesa, Arizona at the Rodney Young agency has failed to return my calls all week after basically calling me a liar. However, the bank statement does not lie. Never never never do business with this crappy place.

A Fred Loya customer hit two of our parked cars. One was my daily driver (totaled it), the second belonged to my brother in law. After following standard procedure, filing a police report, having their appraiser come out to take pictures, and giving them 3 or 4 statements, it seems like I am already getting the runaround. They wanted to tow away my car "while they investigated" but I refused to let them take it fearing they would use it as leverage to lowball me. I had a bad experience with them back in 2002 when my neighbor backed into my 98 Camry, ruining my read bumper and driver side rear quarter panel. After bullying me, they offered me $600 dollars and nothing more. They told me to take it or leave it, that was all I was going to get. The repair actually cost me much more, so I already know about their predatory practices.

There was an accident and Fred Loya is my insurance so now they don't want to pay and told us we was not paid up when we have auto pay we can see what comes out our accounts. So they decided to drop us as a client. These people are fraud and take people's money.

So got my bill taken out of account... 40.00 more... no notice... Go complain. Oh well. They pretty much laugh. Said I will cancel. Then get my notice after about the increase and it's 50 to cancel. Worst company ever!!

Save yourself and do not use this insurance company. They drafted payment from my account three times instead of just one and now my account is overdraft. According to them they only had proof "in the system" of one payment drafted so I had to go out of my way to an office and show them my bank statement for proof. It seemed like they were going to handle the situation and they told me they would have my money refunded by Tuesday December 13th 2016. This is already a stretch for me considering I cannot access my money because my account is overdrawn. (By the way my bank also charged me an overdraft fee). Now it is Tuesday and they still haven't refunded my money. I called customer service to see what the situation is and the lady says it's going to take 3-5 business days to refund my money.

So the other day a Fred Loya customer hits my truck in the front end trashing it. He got the ticket and pled guilty to it. Now Fred Loya says they have to investigate if it was their driver was at fault or not so Ian out of a truck. This happened 3 weeks ago no rental car so I am out of work. This company should not be able to operate or sell insurance to any person since they cannot cover their policy's. I really think someone like the board of insurance should take a closer look into some of these little company like Fred Loya because they are scam artists; would not recommend them to any person and if you're already a customer shame on you.

I went to a locate office during my lunch hour so I could add my new car onto the policy and remove my old vehicle but was not allowed to since the policy is under my husband's and my name. Which I had already called the 1-800 number 3 times before going to a local office so I would know what was needed and to avoid any problems or delays since I was going during my 1 hour lunch time. Well what I got was terrible, rude service and was informed that I could not add another vehicle to the policy without adding another driver when we don't need an additional driver on our policy. The employee was very rude and unhelpful and I was not allowed to remove my old vehicle from the policy either. I was also told in a very rude manner that I was not allowed to take my old car off the policy without my husband being present.

Today I contacted them because I have traded in my vehicle. I had a 2014 Nissan Versa and currently have a 2015 Elantra. I traded in the Nissan for a 2017 Dodge journey. So I went into the Fontana Cardenas branch here in California. I asked to have the Nissan removed and add the new vehicle. First of all they just withdrew 261 from my account Saturday. So the girl there makes me sign a paper stating my agreement to remove the Nissan, yet they mentioned that I would be 20 for adding a vehicle plus the difference. OK so the contract states the charge, so I didn't argue that then she tells me that I have to pay 97 aside from the 261. She said my total each month was estimated to 311.

I was rear ended in an accident and multiple cars were involved. I called to make a claim and I was told to call back the next day. I called back to make a claim, talked to one rude lady only to be transferred to another rude lady whom tried to twist my words as to if the accident was my fault. I asked if they were going to send someone out for pictures she stated "we don't do that." I called on a Thursday and was promised a call back. No one called. I called back Friday. I was told that my adjuster was changed. Now it's the weekend. I am car less, and keep staring at this part to another vehicle lodged into the front of my car. I wish I would've known about their poor service and concern before now. And yet they want to recruit workers. Never will I work for a company like this!!! Awful but I must admit the locals here in Birmingham are nice. Get a real insurance company. Might be more money but it's worth it!!!

I have family who are current employees with this company, even they advise to not purchase insurance with this company. They are aware of the many frauds this company do to working people. When I was with them I did submitted two claims with this fraudulent insurance company. Both claims we towards my uninsured motorist coverage, which I was supposed to be insured. First claim they came up stating I didn't report to the police so they couldn't do anything. The second claim they stated I had comprehensive and collision so they couldn't help me because it was less than my deductible. Which is unlawful because there is no deductible for uninsured in the state of Colorado. Besides this the treatment they give paying customers is just trash. There is no such thing as customer service whatsoever. I don't recommend this insurance to anyone. It's the worst I've had.

My husband goes through Fred Loya insurance company and they raised my husband's insurance because he's 1 day late. Every time we went from $33.00 to $67.00. How is that possible? I wished they would do payment same time each month but they don't. They are unreliable and unworthy of their position. It's BS what they put people through. They are a rip off company. We're finding someone new.

On October 29th, 2016 at 10:00 a.m., three employees were there. One could help. She was taking a while. I don't know why the others couldn't help. I just needed to make a payment. It was in El Paso, Texas. I was waiting about ten minutes. 9417 Alameda Ave. 79907.