Fred Loya Reviews

I hate this company! If Marla or Rochelle ever helps you... hang up the phone and run! Worst ** service and accommodations in the world!!! THEIR CLIENTS WILL REAR END YOU AND THEY WILL NOT GIVE A **! I have never been so upset or angry in my entire life. Their client rear ended me and damaged my entire car and they refuse to help because they have "STATE LIMITS". They are rude and disrespectful and have the most unprofessional people working for them. This company should be permanently closed - SERIOUSLY!

Nobody in the San Antonio office knows anything about their job. They were not trained properly to do their jobs especially DILLION. They did not explain to me the process of getting my check here, I am 7 damn days with a rental car that I have to end up paying $400 dollars out of my pocket. I ask for the corporate number and NOBODY knows how to get in contact with corporate... BUNCH OF BS CSR REPS and a BS OWNER.

I received a call today, no message left - I returned their call, it was Fred Loya. I've had insurance through them for 6 months. My rate was set to drop by $20-$30 by the end of the month. My driving record has always been spotless. Instead of dropping my rate, like our signed papers agreed on, they raised it by $15. They said they sent me a letter confirming that CO state has increased ALL insurance companies. I called around, that was complete **. No one knows what they are talking about.

My husband and I have had a policy with Fred Loya now for over 3 years. We have been covered since we were 16 without a gap. There have been 0 tickets and 0 accidents in the last 8 years and yet they informed me today that my rate will now more than double. They have horrible customer service and provide no reason for my rate doubling other than Texas rules. I call BS. I will be canceling my policy on both vehicles and finding a company who actually respects their clients. All of the employees I have ever dealt with have been rude and seemed to be inconvenienced by doing their job. Complete disappointment!! NEVER GET A POLICY WITH FRED LOYA, WORST INSURANCE COMPANY EVER!!!

7/25/16 a multi car crash resulted in an F150 pick-up crashing into the side of my work shop, I file a claim and Fred Loya accepted liability. They assured me that it would be handled promptly. It took me and some friends 16 total hours to support and secure my structure. It was four days before a contract adjuster showed up. 5 business days later I was informed that they did not have my information yet. On the 17th business day Fred Loya contacted me and demanded that I file a claim on my own insurance due to policy limits, I am unaware of any law that requires an innocent victim to file an insurance claim on their own insurance.

On Tue Aug 2, 2016 Fred Loya Insurance violated my civil rights. When I came in on the 2nd to pay my insurance payment I was treated real bad. The procedure at this company is to go to the video desk to speak to a repersentive on video to pay your payment as I always do. This time the rep told me to wait for the agent in the office to finish me. As I was waiting a Hispanic couple walk in & the agent did not say another word to me leaving me at the viedo desk real cold, while treating the couple that just walked in real nice.

June 20, 2016 had an accident and my engine was ruined! Need to get a new engine put in now and 45 days later, still waiting for my truck to be fixed. On June 21st I reported the incident when I got to work. The young lady asked a few standard questions, took the report, never asked if I needed a rental and then sent me on to repeat what happened to the next young lady who asked me basically the same standard questions. After a few days I attempted to get an update on my claim from the adjuster that was assigned to my claim and no answer. Attempted a few more times, same thing. I even told them I was leaving out of town for a business trip and wanted to know something before I left and still, nothing.

On May 28 I was hit by a drunk driver, he has Fred Loya Insurance. He was arrested at the scene. I was given delay tactic after delay tactic before an adjuster was finally assigned to my claim. My entire front bumper and right fender were torn off. I received an estimate from Fred Loya in the amount of $800. I obtained my own estimates from 3 random collision places in town. The estimates were roughly $1,900, $2,600 and $2,700. After weeks of more delay tactics, they agreed to a supplemental payment of roughly $900.

One of their stupid, ugly, and overweight customers hit me and profusely stated that it was all her fault and blah blah blah. I said, "** IDC. Give me your information" (the only time I, as an adult, felt like laying a ** out). This accident happened on May 19th, 2016. It is now July 7th. Damn and Fred Loya is a **. I know how he got rich. He was a ** cattle rancher who never went past the ** 8th grade and was depressed and decided to start selling ** insurance. Anyways, they have finally issued out my 12,500 check but are still lagging on releasing my vehicle. I had signed the agreement to keep the car, but they are still lagging on that... I do not care. At least I am getting paid. Pray that one of their customers does not hit you because it will be a few months until you get paid. Also, you will most likely develop some type of depressive disorder because these people are going to take the fight out of you.

The company is based out of El Paso, TX so in actuality I think they are run by the Juarez Cartel, and it shows. It's been a wild ride by this company and I'm still not done with them. Wth? Unbelievable experience. After reading some of these other reviews, my situation nowhere near as dramatic as some of the others, but here goes.

One never smiles when I go into the office. She looks like she's always angry. Second when they send me a text they sent me two different prices that I owe. Don't know why I only have a 1999 truck. Then they're rude. I tell them "Why the heck do you have 2 title holders on my insurance?" They couldn't give me an explanation. All they keep saying is "Well maybe those people live or Lived in your house." I said "Nobody's lives in my house for 11 years." I said houses built in 1960, well all the people that lived in your house they have to go on the insurance, so I told her "So the house is build 1960. Everybody that has live there it's going to go on my insurance?" There's about 3 or 4 people on my insurance saying they can't drive my car, so I don't even know who the heck they are. Oh I see you're all stupid. You don't do that. No wonder there's a lot of theft. Looking for a new insurance company.

I would like to know who are the people to blame that is not doing what is needed to stop this kind of company from doing business? I am angry and very upset with my dealings with Fred Loya Insurance company. However, I am just as angry when I can that this company is ripping off people in every way that they can in every state that they are allowed to do business in and that NO ONE is caring enough about their wrongdoing to stop them. Each of these states that are doing nothing about the wron doing of this company is doing more than doing nothing, they are ALLOWING this company to do all the wrongdoing that it does!

The most terrible company ever! They lasted 3 weeks to successfully finish the initial estimate. They had me jumping hoops with the check they sent out since there was 3 names it was issued out to. When it came to having a supplement estimate done, the insurance said they did not have anyone in my area to do the estimate! Are you serious? They offer services and charge for them when they cannot help you!!! I only spoke to my individual adjuster once, then I was not able to contact her and I spoke to over 10 people over the phone. Every time it was someone different! I so hate this company! Very unprofessional!

I am currently insured by Fred Loya and I was hit by a trailer on April 29, 2016. The insurance of the trailer agreed to pay for the damages and I received a letter on May 13, 2016 from my adjuster that a check would be sent out to me. As of June 6, 2016 I have not yet received any check. I contacted my adjuster a week ago and she told me she would check if the check had been cashed & if not she would send out a new one. I emailed her three days ago & she never replied or contacted me.

Today June 13, 2016 and I call in to make payment and they say that they are no longer taking payments at this time due to products and other stuff. Now I'm confused at this time, so I ask her (Kimberley) at the Memorial Drive office in Georgia, "So what do we do? Will our insurance lapse?" She said yes. So whoever has Loya for insurance won't have it if your payment is due this week. That means registration will be cancel subject to be pulled over by the police. Never have I heard of anything like this. Got to call the news people. Have to shine some light on this. I just can't with these folks. They are cheap but sometimes it's better to pay for what you want.

I am a Semi truck driver 1st off. I know most people think we cause all the accidents but insurance statistics prove cars are at fault in over 78% of our wrecks. I was involved in a accident with one of their customers on April 28,2016 on the Atlanta, GA loop. She pulled right out of her lane and into mine without even considering the consequence of her action. Luckily I have a very good quality Dashcam that records GPS trail as well as speed. After I rear ended her and we pulled over I went to check on her and she was fine she said. I immediately went back to my truck to download the footage into my laptop to store it. When the officers arrived (2 female officers) and they asked for my statement on what happened I pulled my laptop from the truck and showed them EXACTLY what happened.

My story is like everyone elses. I had to fight with them to get a car rental (8 hours on hold and being hanged up on). After my car was "fixed", the body shop did not want to give us our car because Fred Loya did not pay them. After fighting with Fred Loya for a day, the body shop agreed to release the car. After a few more days, we discovered issues with the seatbelts, it took us 3 months to get one of the seat belts fixed, with one still pending.

People I have Never had such a bad experience with Fred Loya Insurance company. These people are rude. They lie, you deal with so many different people that all has different ways of doing thing. No one is ever on the same page. On excessive hold time. My car has been in the shop since June 1 2016. Today is June 6. I was advise they have 48 to 72 hr to provided a supplemental for the repairs. It now has been day 6 and he just got there. They issues me a check for 2 days for rental 50.60. I have not been able to get to work. Almost lost my job. They have not provided an compensation for pain and suffering. I was advised to file a class act against this company.

It's been almost a month since I've been dealing with this fraud insurance company. I was hit on the 9th of May by one of their drivers. They picked up my car a week later and I was never notified of them getting it. Not once did they call me and tell me where the vehicle was located. It wasn't until today June 1st, after countless emails and calling that I found out it was at some salvage yard. Damages were estimated to be over 4K.

This is the worst customer service experience I have ever seen. I had my SUV stolen and destroyed. Get a hold of my insurance and have the highest expectations since I had heard they were great. So they start off of "yea well I need this and this and this and as soon as you get all this I can clear your claim and we can take care of it". So I get them everything they needed from me, police reports, signed paperwork, you name it. Call them and think finally it's over... NOT. "Well since this happens we can't continue until we get this and that. It takes time to clear claims. My boss said this. Salvage team said that. Well there too many claims." Blah blah blah. It went from "a week two weeks tops" said the adjuster to going on two months and I still don't see the light at the of the tunnel. No help. Worst people to take care of a claim. I can't wait until it's finally over. I'm not looking forward to using these guys ever again.

I was never contacted about this post, however, after 2 months I did receive and accepted a satisfactory settlement offer. My opinion about having them as my insurance has not changed. No way, but they did deliver in the end.

Got hit by one of their insurer. Just like everyone else have been getting the run around from the adjuster Ms **. Every time I call to check on status on the claim I get excuse after excuse. They have bad customer services bunch of people with no knowledge of the business. I finally got a hold of my insurance to do a claim. And have reached out to an attorney due to the vehicle that got hit is my business vehicle. Sorry if you ever have to deal with this sorry company. They should be embarrassed calling themselves a company.

I was rear-ended over a month ago by their insured. It took three days of my hounding them to get a rental and an estimate. They explained to me that if I agreed to use their body shop, which has lifetime warranty, I would receive better service and prompter return; because they are contracted with Fred Loya. I am a single woman in Houston and don't have the resources or time to shop around; so, I agree.

Worst company I have ever dealt with! What a fraud and horrible company! I was in an accident. One of their insured T-boned me while I was driving to work. She was liable and received the ticket. I was contacted by a Loya rep and was asked to take my car in for an estimate. So I did and they took pictures of my car and said they would contact me. Based off of the pictures that were taken the adjuster called me and let me know she would be issuing a check for $1100 and would be closing my claim. She was rude, unhelpful and could never answer any of my questions. I called around trying to get my car in for repairs and none of the auto body shops wanted to even work with Fred Loya because of being ripped off in the past by this awful company!

Hail storm and check made out to finance company. Yes you heard it right!! While other insurance companies are issue out checks to their customers, this company do not if damage is over $5,000 and you are financing your car. So after 20 years being a customer, I am now writing reviews and never ever again will I do business with this company. Bad customer service. Takes days to get a callback. And rates for insurance are higher and higher.

I was involved in an accident with a Loya insured customer in March of 2015. My daughter was in the car, we were on our way to work/school. The insured was obviously distracted as she changed lanes, ignored the red lights around her and rear ended me at about 40 mpg. Enough to twist a 1 ton steel tow hitch. She immediately pulled into the center turn lane like she was going to take off. I got out of my car and put my hands on the hood of her car yelling at her to stop while on the phone with the police. The police filed a report, ruling her at fault. I went to the hospital that day because I was feeling pain from the accident, my daughter missed school and I missed work.

We were in an accident with a driver that has this company's insurance. It was their driver's fault. We had witness statements but no official police report because of weather related cold reporting. We were given a claim number and tried for three days to contact an adjuster. They give you the runaround. You have to play phone tag. The adjuster finally called at 10:30 at night. He was extremely rude and not helpful. It was a waste of a call.

Their client rear ended us - it's been 16 days, and although we have cooperated, had our car looked at by their appraiser and gave statement to their claims adjuster, NADA. I've called adjuster 3 times. Today received a letter saying since I've been silent on the matter (what?!) they'll close the claim in 5 days. I'm calling Liberty Mutual, my excellent insurance company, to see what else I can do. This is ridiculous!!

Fred Loya's client hit me and admitted her fault but they decided they would not cover the costs because the car she was driving wasn't covered on her policy. Completely absurd!!! She's still liable for damages. NEVER use Fred Loya. BEWARE!!!

Very unprofessional. They never answer your messages... and when they do they will hang up on you. Good luck trying to get a rental car coverage. They only want to cover 30 days even when it was their client who's at fault. I'm surprise they are still in business. Avoid dealing with these crooks.

My husband was being insured with Fred Loya for quite awhile. When he went in to cancel one of the car's policy, they told him that the policy on the car he drives daily was cancelled. No notice was given to him and he was driving without insurance and he was thinking he was insured. Then he went back and said "I want to cancel the policy on my 3 vehicles," the lady there helped him to cancel the policy. Since then, 2 months now they keep calling him if he wants to make a payment for his policy after they had deducted 2 months premium for something he didn't authorize. When he confronted them he told them the lady over there helped me. Her response was, "I see a lot of customers on a daily basis so I don't know who you are." They are such in a rush to get people in and out that they don't know what they are doing. This is what we get when we go with CHEAP INSURANCE like Fred Loya. We learned our lesson! This was in the Victorville, CA office.

I had a policy for a couple years with Fred Loya on my 2 older vehicles. I needed a newer, more reliable vehicle and EVERYTHING went downhill from there. I am a business owner, and as I was signing the paperwork for my revised policy, I was given quick, brief explanation of the documents I'm initialing. Everything is fine UNTIL they get to the part when he tells me "This is stating you will not be using the vehicle for any business purpose at any time." Well, of course I DID NOT sign it and explained to him, "I told you from the start I am using my personal vehicle for business use" AND, AFTER he took pictures of my vehicle that has my business magnetic signs on the vehicle door!

My daughter whom does not live with me and was not on my policy borrowed my car and was in an accident where my front bumper was damaged. I had to wait until Monday to call Fred Loya since it happened on a Saturday night. I called and made a claim and was told an adjuster would call me. No adjuster called so I called adjuster. She was very rude and unwilling to help me and straight out denied my claim and said my daughter was excluded from my policy therefore that my claim was denied and there would be nothing that she could do.

On 1-1-16 I was hit in a parking lot by one of their insured. I made a claim with Fred Loya. They called me back a few days later saying it was denied because their driver wasn't in a accident. I argued to finally realize they wrote the policy number down wrong on their insured. So I had to start a brand new claim and make sure they put it in right this time. I agreed to have my vehicle inspected at one of their inspection centers. It took them an additional 3 days to come pick it up. I had to constantly call and ask questions about damage and where they were with the process. The claim adjuster Marivel later told me they couldn't get a hold of their insured and that she had 40 days to give her statement!!!

It is the worst company I have ever met. File a complaint on December 12, 2015 and will be two months and the money does not appear, faxes are lost. The Bank has had to send 3 times the information and they lose... I had to wait up to 50 minutes in line... No one knows, no one returns the call... is the worst.

Was rear ended by one of their policy holders (if there is such thing). She was from Mexico, was going to run, had to call police. Of course she has no driver's license and has Fred Loya insurance. Man I knew this was trouble. Now just like one of the other reviews posted I keep getting told she's not returning calls so they can't process claim. FRED LOYA INSURANCE COMPANY SUCKS and he should be jailed for fraud.

My son got T-boned by a driver with this insurance and it has been a week. The adjuster still has not got a statement from the insured driver. His driver. Their own people. Can you believe this non-sense. They have a statement from everyone else involved. This company is ridiculous. I have never dealt with an insurance like this. I call everyday from the day of the accident and the adjuster never calls me back. What a way to do business!!! The more people that don't go to them the better for everyone else driving.

I purchased a policy through Fred Loya a couple of months ago and I am already very dissatisfied with the quality of service and lack of customer loyalty. My experience has been nerve racking on every level. I set my account up on auto draft to make payments for full coverage on two vehicles, because in order to get a good rate that's what you have to do. When the payment was due, I got a call from a representative who stated that they previously attempted to draft the payment, and it came back as declined, and that they would make another attempt at drafting the payment in a couple of days. I was fine with this, as I needed to check my account to ensure there were no unexpected charges that may have proved what he said to be true. I called the bank and there was plenty of cash to cover the payment three times over. I thought it was strange, but brushed it off thinking they would just re-draft again as they said they would.

12/5/15 I lost my son in an auto accident. The car he was riding in was insured by Fred Loya. Today is 12/28/15 and they STILL to this day have not returned any of my calls nor has anyone contacted me after my insurance company was sure to give someone my contact information. My son died... why am I still being ignored? Why Fred Loya, WHY?

These people are the biggest frauds! They take your money and then do not start your insurance policy until the next day! I got into an accident and because they didn't activate my insurance until the next day but tell me I was covered by them the day I paid for it. They are going to refuse to pay for anything! They are horrible to deal with in general! I have gone with other companies and never had an issue and Never been told I wouldn't activate until the next day.

My girlfriend was rear ended by a Fred Loya insured. I called my insurance company and they told me in order to avoid my deductible that I should go after them myself. So I did and at first everything was good, they were quick to admit fault once they received the police report. Once the adjuster showed up to take a look at my car 2 hours later than promised he said it was about 4k worth of work. I had already gotten estimates for over 7500 dollars. I laughed and said ok and told him he'd need to go back out for a supplement check eventually and he shined me on.

My son was in car accident with one of the insurer on 10/17/2015 on a Saturday which claim department is closed on the weekend. On Monday my son made a claim of the insurer who at first refuse to exchange insurance until my son called the police to make sure that he provided or had a police report on accident. Since the both parties agreed to exchange insurance info the police gave my son a call report case # to provide insurance. The adjuster had finally made contact until 10/21/2015 said the appraiser would be there on 10/23 no never came until I called and spoke with the adjuster claiming that she wasn't able to contact the claimant (my son) since there is no info. And then I proceeded to calling the claims dept 800 number and one agent provided a help by emailing between the adjuster.

Loya driver does 5k damage to my car. Loya adjuster informed me I can take my car to a repair shop of my choice and they would reimburse me for the rental car. Then one week after I took my car to a repair shop and picked up a rental, Loya adjuster calls to tell me they are not paying for the rental because the repair shop is taking too long.

I had an accident on the 4 of Oct at 10:00 pm which is a Sunday. I called on Monday since they are closed on Sunday. They told me my accident had to be investigated. So I asked if I could get a rental until then. They said know I have full coverage includes rental up to 30 days and towing comprehensive and collision. They said I cannot get a rental until my claim had been released from the investigator dept. which it took until the 15th of October before I got a rental. Had to return it on the 19th, had to call, ask for an extension. They gave me one, told me to keep it until I hear from my adjuster which I never did. I had to hear from the rental people. They told me that my insurance stop payment on my rental on the 21st and I was responsible for the payment and they call me on the 23rd so I tried to call my adjuster - no answer. I left a message.

It seems to me every time I walk into Fred Loya, if you're not Mexican nobody wants to help you. The agent is rude or just ignores you altogether but let a Mexican walk in and people come running from every direction. This is a racist company with rude and lazy employees, it makes me sick to my stomach. The employees can barely speak English. What **

I am satisfied with the prices. And it's always easy to make changes but I've not had to use my insurance yet to find out what other people have told me. They are slow with the getting back to you part of the process.

Was a good insurance at a good rate until I found out that they had me as married and after that my rates went up really high. I was recommending my sister for this insurance company and that's when I found out about the mistake they did. I had to quickly look for another company because I could no longer afford the insurance I had.

All of Fred Loya's commercials say how they can save you so much money, but at what cost. I had their insurance and when I went to trade in my truck my dealership would not accept that insurance. I was told it was because when you are in an accident they don't pay out. What's the point in having that insurance if it's not going to pay.

My mother in law was rear-ended by a client of Loya - many witnesses as this joker took off (one followed them and observed them before returning for Police). BOLO issued for his vehicle as he continued to evade since June 2015. Today she got a note saying that they (Loya) could not contact the client and are not honoring the claim because 'Our insured is not cooperating with us.' Wow - in other words they can't find him. I will just turn things back over to the police in hopes that they jail him on hit and run - then they wont have to worry about him paying anything to them.

Accident Occur on 09/23/2015. This is the Insurance of the guy whom I had an accident with. He cuts me off because he was trying to avoid another car that could hit him. This is the Mexican guy who drives in Dallas without License and just a Mexican ID. His insurance was Fred Loya. All the people who answer the phone from Claims to the Adjuster Jennifer ** were unprofessional. They are taking the time to work with the injured party. Jennifer told me that the Mexican guy was not answering the phone and not contacting them so they will do anything otherwise. My day off work was ruin. My brand new car was ruin!! And all she got to say was "I can't do anything unless we talk to our Insured," which is an illegal person driving someone else POS van. This Fred Loya company should shut down by Insurance department for all these complaints.

On April 30, 2015, I was hit by a Fred Loya insured drunk driver. Adjuster came and took pictures of my totaled vehicle, and an offer was made that I refused (per my lawyer) and then I got nothing!!! It's been almost 5 months and neither my attorney nor I can get a status. I've received only one rude message by phone and 2 short emails that contained no information. They didn't offer a rental or anything!!! I've been borrowing and bumming rides for my kids and I with no response from what my attorney called "bottom feeders of insurance companies".

Before I even get started please DO NOT CHOOSE LOYA as a insurance provider. RUN as fast as you can. I thought they were the most cost effective insurance company until I was rear ended by an uninsured driver!!! When it's time for them to pay out a claim all hell broke loose! The reps and so called adjuster are ignorant and uneducated, and hardly speaks clear English! The adjuster that I was dealing with lied to me and said she had received a letter from the uninsured driver insurance company to prove they were uninsured in order for me to be covered under the uninsured policy. The body repair shop (which were extremely professional and kind) called to advise me my car was ready for pick up. Once I arrived they asked if I had received any funds from Loya to pay the bill. I responded no! We then called Loya and that's when ** hit the fan.

I had a hit and run accident. They told me to look for a shop which I did. The shop has a good reputation. They check my car and said I had to replace everything, insurance didn't approved my bumper. Now the car is done and you can still see damage in the bumper. Called the insurance and this lady said my car isn't that new even though I'm paying full coverage. She said if I want my car look good I have to buy the part and I said no way. She told me it was my fault for taking this car to a different shop that is not theirs. I told her that they never told me they have a shop and she just told me "Well we already paid a lot. You have to pay the deductible and if you want that part you have to pay for it." This is a ** joke. I'm so pissed.

They review my car damages and say that they will fix it. The SRS light and the side air bags light turn on since the accident, my radio stop working. They had another adjuster go over to the body shop and readjust the claim. He said that there no way that caused it. I picked my car and I'm taking it to my Honda dealership and let them look at it. I will send Fred Loya the bill for sure or I see them in court.

Loya Insurance will not REFUND money, it's their policy to roll over to the next payment period. So, if you cancelled a vehicle you still have to pay in full and they will apply any monies to your next payment. Also, the payment is due about 20 days before your insurance is due.

After accident insurance adjuster Mary ** and supervisor Mauricio ** didn't take care of myself and family, I have full coverage. Very rude to me. Every time I called Mary ** was very rude and hateful. Has no customer service skills at all. I had to pay 1231 expenses and 500 deductible total of 1731. I write a letter to company about my treatment. I never got an apology or nothing out of this insurance company. As of 08/14/2015 I dropped this carrier.

I was rear ended by a Fred Loya insured driver. I filed a claim with Fred Loya. They examined my car and said the repair would take two days. They wrote out an estimation form for me to take to the body shop. The body shop looked over the form, and luckily, since I was still able to drive my car, sent me home in it while they ordered the parts. Fred Loya will only authorize a rental car for two days, since that is all the time the repair should take. They will not arrange for the rental car, and their allowable rate is so low it will not pay for any rental car on the market that is not a weekend special, and body shops are closed on the weekends.

A driver with Fred Loya as their financial responsibility hit my car on 7/15/15. Fred Loya adjuster were quick on contacting me and advising that they will be taking care of the losses but when it came down to send me the check for the damages, they played games and always jerking my chain. My car is been sitting at the body shop with repairs completed but they won't release my car till payment is made. It's now middle of August and still no payment and no car. What a joke!!

I had an accident made the 22nd 2015. I call the insurance company or insurance company to come out and make her assessment of my damages. Cesar ** came out and looked at the damage to doors on the passenger side or damage they offered 4500 dollars to repair. After about an hour said that he was writing a check. Mr ** told me that they decide to total the car out because of the frame was damaged. I asked how could he determine if the frame was damaged and not have the vehicle on a rack? After the appraisal left I immediately took my car to body repair vs. each told me that the car was not damaged at the frame to the point that it could be total out each said they couldn't repair the two doors and my car will be just like new.

I have 2 cars insured with Fred Loya. I have the 2 cars in shop right now to repair hail damage. We had bad storms in Colorado this year, so we went and drop off our cars to this shop and then we went to enterprise to get our rental. Both claims were filed the same time/date, the auto shop, enterprise and us contacted Fred Loya to reserve rentals, but Insurance only did one rental. This happened 7/16/15 until now they are claiming I went and got it myself. They are refusing to pay it and on top they will only pay for only 4 days for the rental!!

Been waiting three weeks for a $87 reimbursement! I sent all of my information to the claims rep the same day of my towing.. The towing company emailed me a receipt after paying over the phone. I called the rep after not hearing from her for her to ask me to send the information again. I already knew what I was dealing with at that moment and told her I will not do the back and forth or the run around game. I am not that customer cause I will flip my top! She told me she needed to contact the towing company to "confirm" they sent the receipt by email. After that she was out of the office for a week straight as I called and emailed with no response. She call me a week later after hearing my voicemail to tell me she still has not gotten in touch with the towing company. I call them right up and have them call her and again she could not be reached!

I was a passenger in a car involved in an accident with an UNLICENSED driver covered by Fred Loya. She did have a state I.D. I was called by one of their adjusters and came to an agreement on settlement. Received a check from them today for less than half of the agreed upon amount. I called and was given the name of the adjuster and called him to find out what was going on. He asked me if I had cashed the check and when I told him no (I don't trust insurance companies) I was told it was a computer error. They will send me a corrected one.

My car broke down and I had it towed to my home. Loya insurance was supposed to reimburse me for the towing. 28 days later and I'm still getting the runaround! The tow ticket was filed from one of their offices by one of their reps. The ticket had all the information on it. Every time I call claims they need this; they need that! Stop the bull and just reimburse me. I'd hate to see how they would treat me if I were in an accident. Bottom line...... They don't want to pay for anything. THEY ARE A JOKE! DO NOT WASTE YOUR TIME OR MONEY!!!!!!

My son had his first and only accident ever, Fred Loya said his car was totaled...fine. But took almost 4 months to pay it off with me calling and calling and leaving VM after vm talking to 4 different people until they paid it!!! 2nd they called for a 10 day pay off from the lienholder OK. Then paid it a month later...in which time the interest accrued, now for 3 more months trying to get them to pay THAT off. Still waiting!!! Meanwhile my husband and my credit score is going down the toilet because it's showing NON PAYMENT FOR 7 MONTHS!!! I'm switching insurance companies this week. I'm so done with them.

My son was rear ended by a person. That person was driving his brother's car. When my son filed a claim they said that the person driving the car was excluded from the insurance policy and they refused to pay. My son's insurance company had to pay but he is out over $500 for the car rental. They are a terrible company with terrible customer service. I said I wanted it in writing that the person was excluded and they said they needed a court order.

Do not get this company. They take advantage of you. We got into a crash on a Thursday. We called and they told us 2-3 days they will come and take the car to a body shop. They never came, we had to take it ourself. They said we were covered for a retail and at the end they said we had to get ourself and pay it ourselves. We are doing their job. We picked up the car and took it the the body shop and it been almost 2 weeks and still they haven't approved the body shop so they can start working in it.

Was in a bad accident on August 14, 2014. Car spun out of control and had 3 impacts messing up my arm & neck. Almost a whole year and nothing yet. I would never in my right mind recommend such a poor valued insurance company! I have my lawyer and they ARE going to pay even if I have to go to court. Best way to go is State Farm.

I had an accident back in February. It was completely my fault. I hit a median head on that I didn't see. This caused a leak in my oil pan, thus locking up my engine. Fred Loya was my insurance company. I filed a claim. The collision shop they recommend took over a month and failed to fix the problem. The car still overheats, the struts which were damaged were not replaced, a Crack in the water reserve was not done. They refuse to fix it properly, claiming it was done correctly and I must have had another accident!!! Oh... and to top it off, they listed my daughter as the driver of the accident. She was never mentioned in any conversation. She was actually in the hospital due to illness when I caused the accident and it's been a nightmare trying to get this fixed. She now has another insurance company and paying more of premium than necessary because Fred Loya is incompetent.

I filed a claim on 4-18-15 my car got flooded. My car was picked up and sent to a shop for inspection. I received a rental & was told I have 30 with the rental and I am responsible for the taxes, which I agreed with. It took them 2 weeks before they went and inspected my vehicle and authorized repairs. They refused to give me anything new because my car is used. I was only allowed a "junk yard" motor which was trash! AutoNation needed to get yet another "junk yard" motor because the first one failed every test possible. The 2nd motor had quite a few issues itself but were repaired. By the time Fred Loya finally paid AutoNation so that I could pick up my car it's almost 2 months passed. So I'm responsible for the rental because I went over my 30 days, because they were too slow to inspect & authorize repairs on my vehicle.

I unfortunately had to leave Geico because at the time I couldn't afford the coverage with them. Went to Loya! HUGE mistake. They threatened to cancel my coverage if an app wasn't signed. But before the app was signed they sent me a check. I thought I overpaid so I cashed it. Now they're saying they have to rewrite my policy because I cashed the check. Number one: who sends a check of REFUND AND OVERPAYMENTS to a policyholder BEFORE the coverage is cancelled? Only to then say "Well since you cashed it, now we need another payment and have to rewrite your policy. Not the amount you cashed but a completely new down payment". So my coverage with them will be cancelled as of today!! I'm not giving them another red cent!!

I was involved in an accident with one of their insured. I was driving on a main street and the insured was leaving a gas station and swerved into my lane causing damage to my car. At first, I contacted Fred Loya and filed a claim with them. They got back to me and took my car to one of their authorized repair centers. They said they were going to fix my car. Everything looked good up to that point.

My vehicle was damaged by one of their insured drivers while legally parked and the responsible party admitted fault. Filed a claim with Fred Loya Insurance Company and an adjuster took photographs. Repeated attempts to contact the adjuster were met with disconnected phone number recordings and wrong numbers. Was told that a check had been made out and was in the mail. Took vehicle to two different accredited body shops for estimates on repairs. One estimate was in the $1500.00 range and the other was in the $2000.00 range. The check arrived and it was for $644.00. I own this vehicle and there is no lien on it whatsoever. This was explained to the adjuster at the time he assessed the damage.

On January 20, 2015 I was involved in an accident wherein I was traveling WB on 51st Ave. When I came to a stop light at N. Peoria I was in the right lane behind one car with another car in the left lane when the light turned green and the car in front of me proceeded into the intersection and I followed into the intersection with the light being green. My signal light on to make a left turn to travel South on Peoria St and as soon as I reach the 3rd lane on N Peoria I was struck by a Truck traveling N on Peoria in the third lane. Consequences: Constant pain, stressful situation with Insurance Company-FRED LOYA.

I unfortunately had my car damaged by a Fred Loya insured motorist. After the initial claims process I started running into problems when I brought up the subject of getting a rental while my car was in the body shop. My car spent a week and a half at the body shop. I called my adjuster ** and asked him how much per day was authorized for a rental car. He was very vague and said that he would "help me out with that" when the car was repaired and when the rental car invoice was submitted. So on 5/18/2015 I submitted the rental car invoice and spoke with him regarding the reimbursement. He said he'd review it and call me back. After a while he stops responding to my phone calls, doesn't return calls when I leave voice mails.

Their commercials talk about how much money they save their customers - yeah, if you're Hispanic. I paid almost $200 a month for liability only on two vehicles. Ridiculous. They refused to give me a discount for automatic pay, no commute (it takes me 12 mins to get to work), and being a safe driver. Then, when I tried to cancel my policy after signing up with another company, they told me I had to go in to sign the papers... which was impossible. Not to mention, it's illegal for them to continue covering you once you've signed on with another company (they were trying to eat away at the premium I already paid). Bad company to do business with if you're not Hispanic.

I was hit by someone with this joke of a company for their insurance. I was injured in the accident. The total bill for my treatment was around $7000, they offered me $240. By far the worst experience in my life!

How is it that an Insurance Company does not provide out of state coverage? How is it that when your sales agents located at Wal-Mart, or their office location have a very poor unprofessional attitude. My mother was driving her car from Texas to California when an unknown animal or obstruction on the main highway went under the car and causing damage? When arriving at the location in Chula Vista she informed them of the incident and presented to them the damages. AND THEY HAD THE AUDACITY TO STATE THAT THEY DID NOT COVER THAT OUT OF STATE? On another note their present to the public that they have poor business ethics, and use crony business practices to get people to sign up for their insurance plans.

My car was vandalized 2 weeks ago. I called and made a claim as soon as I noticed my car. Fred Loya made a appointment for me to go into one of their offices the same day so one of their workers could take pictures of what was done (that was the easy part). I called Fred Loya manager ** to see when they would issue me a rental car. No one called me back. I called the following day and one of the HELP said I had to wait for an adjuster to call me or send me an email. By this time I'm on my way to enjoy my weekend in Reno (no rental was approved yet). So I had to come out the pocket $467.13 on a rental due to the following Monday being Labor Day weekend.

Long story short. My car was parked and was hit by a Fred Loya policy holder. He cause an accident by running a stop sign, he flipped over a couple of times and hit my car. He admitted to fault. Called Fred Loya the same day...said they'll come pick up my car in a couple days. Called them back the next day to check and they said my claim was denied because the driver wasn't on the insurance. I immediately told them that's a lawsuit because that's a lie. (Not knowing I went to their website and read the policy) Bring up a lawyer and all of a sudden an adjuster will be calling soon. Well I'll Be calling back today because I'm almost positive these lying people will never call back. They were not helpful whatsoever. Just a bunch of liars.

I had and excluded person to drive my car had an accident and now Fred Loya don't want to pay. If it excluded they got to pay regardless!!! My brother had a similar problem. He had accident with a car covered by them and didn't want to pay him!

My son was hit by a Fred Loya insured. First claims is not open weekends, then on Monday they said we will tow the car, They showed up on Tuesday. Still waiting for an adjuster to approve a rental. I recommend if you are hit by one of their insured's the first call you make is to an attorney. My son finally did call an attorney and now has a rental and a new adjuster.

Just like you are so worried about people being fair with our comments, that's how I feel about you service to the customers... Fred Loya you are not FAIR or ACCURATE with what you promise to provide, like you say it in your commercials. You are selfish and a big scammer. YES you are that and more... I have heard a lot of horrible stories, which i did not want to believe. Fred Loya tell me why I drove my 2015 for 3 months with no coverage after your uneducated staff told me that they would send everything to my bank handling my car loan... Just the other day called to report an accident (not at fault) and the kid had the ugliest customer service ever. Could not understand him, sounded like he had his mouth full of food. Now I know that all what I have heard is TRUE... I honestly do not know how you stay in business... BUT I sure will not stick around to experience anything else with your sad ass horrible business.

They are a terrible insurance. I am from Denver and if you dealing with Fred Loya you are gonna have some problems. First problem that you are gonna have for sure is a pushy adjuster who is gonna make your claim pass thru a terrible experience. They use psychology system to scare you, and put you down. Second problem it's gonna take forever to them to fix your car. Third problem they always fail to fix what it was damage by the accident. They need to go out of business.

I was there for 3 months and I was in the emergency room after work so I missed 3 days and I had excused paperwork from the er. But since I wasn't there for more than a year I wasn't eligible for sick days so they fired me. Nobody there lasts more than a year because they try to fire everyone before giving benefits.

My husband was issued an insurance adjuster, claim number and a specific amount for the damage to his truck from one of their insured drivers. 6 weeks later, no check, no phone call and no letter. Turns out she wasn't insured for the damages at all. Please let us know next time. Don't waste our time.

My fiancee was hit by another person who was at fault according to police report. The other person is not the insured and I was told that I needed to go through my insurance to have my car fixed. I know from experience that they are still liable and I will not have my insurance pay for their problem.

My car was hit by their insured OVER a month ago (at 2 am while my car was PARKED outside my home) and was deemed a total loss. I've dealt with 3+ "claim adjusters" and a "total loss adjuster" and have yet to receive a satisfactory answer. They keep passing around my claim from one person to the next and all I ever get is "My manager will have to call you back." Word to the wise, if you EVER have the misfortune of having to deal with one of their "insured" - total joke - Hire a lawyer because without them you will never get a dime or an answer from any of their incompetent workers.

I was rear-ended by a "Fred Loya Insured". So far, I'm out of pocket for the rental, they have refused to pay for the proper parts, the "claims adjuster" was the rudest little punk I've ever encountered and his boss said he had never heard of Farmer's Insurance (which is my insurance company). I have been treated like I was lower than low and I'M THE INJURED PARTY! My car is in the shop, it looks like it's going to cost me and I'm thinking this is insane. If I quote law they just say, "according to our policy, we do things differently." Well, I will hate to have to sue for damages BUT, it looks like that's where we're headed. Fred Sleaze Insurance Company...

I was rear ended by a Fred Loya insured driver. I drove from my son's pre k school parking lot and entered the middle lane (turning lane) because traffic was kind of heavy. As I'm sitting there waiting for traffic to clear so I could merge onto the main highway--boom! I'm like 'what the hell.' So I tell lady who hit me who is now on the side of me in traffic to drive in front of me out of traffic before she gets hit. She asks am I ok and says she didn't see me. We both came from the same driveway which had a stop sign, had she stopped and looked carefully before jutting into traffic, she would have saw me. Well I let her use my phone before I even make a call because she doesn't have a phone. The police come, we give statements.

I was re-ended by a man who had Fred Loya Insurance, so I had to use them. I cannot tell you how awful they were. It took them weeks to get in touch with me, and they did everything they could to NOT pay, even though it was their responsibility. It took weeks for them to send a check to me and they did not want to pay for the rental car, even though it was their customer's fault. I hope that I never have to deal with them again.

I have been with Fred Loya for 6 months now and they are not upfront about what their procedures for payment are. I signed with them and was told on paper that my last month to pay would be in February (2015). But as it turns out, that payment automatically renewed the contract I had with them for another 6 months. And to cancel, I will be charged $50 (I pay $66 monthly! What a ripoff!) for early contract termination which I never approved and was never notified of (the contract renewal). A representative said that they sent me a notification letter on the 7th but my account gets automatically drafted on the 6th at midnight. Does that make sense? No. They tell you after they charge you.

These guys are a scam. They walked me around circles for three months. Repaired my car at and installed aftermarket parts. Extremely difficult to get a payment from them.

I was rear ended a month ago by their insured, who took full responsibility saying she was not paying attention. At first they seemed to want to make it right. I went by their office they took pictures and a statement. I was told I would have a check the next day, then I was told as soon as they got the other party's statement I would get a check. My adjuster never contacted me. I called him after a few days had passed, he said he had her statement and i would have a check in the mail within 5 days, 2 weeks pass, no check. Call him again, he tells me there was an error processing the check, they would have to cancel it which would take 2 days, then reissue me another one that I could pick up in their office.

I have 2003 Chevrolet Avalanche and the back covers were stolen and they cost $3,063.51. And I talked with a lady named Diana ** to let her know about the problem and how much the covers were, and she ended giving me a check $299.96 which doesn't even pay for one of the covers. And when I get the chance to leave the company I will because they sell full cover but end up paying whatever they want and not covering for anything.

Had house and car insurance with them. After 1 month my car insurance jumped $200 annually. Went to office and all I got was a shrug, so I changed it. My house insurance went way up after I filed for hail damage on my roof. Their estimator didn't even get close. Had to sue them to get what I was suppose to get in the first place. I have met other people that have problems with them. One had full coverage w/ $500 deductible. They refused to pay anything on the accident and he was parked! Nationwide is not much better. Canceled my house insurance after 1 claim and did not notify me until 6 months later when I got a check in the mail. When my roof gets finished, its adios Fred, hello State Farm. Three claims later, premium still the same.

I got into a car accident on 11/07/2014. A Young America Insured driver failed to yield right of way and came across my lane while turning into an apartment complex. He t-boned me from my front driver's side wheel to my back door. The impact caused my front wheel to come off and we fish tailed into a ditch and flipped upside down. I suffered an open fracture on my right tibia which required surgery (my tricare military insurance covered it) and a fractured c1 vertebrae. My girlfriend suffered a broken arm (she does not have health insurance and has over $90,000 in med bills) and our friend in the back seat broke her arm as well.

My son was injured in an accident on 1/26/2015 and I called to use the coverages that I pay every month to only to be denied for my claim. The adjuster changed everyone statement including the witness and said we are not going to pay for anything. They are rude, do not return phone calls and should not be in business. I think all of the people on this site should file a class action lawsuit for deception of practice against Fred Loya! These people should not be in business. They will continue to prey upon others who have not came to this website to read the reviews of other people pain and suffering. Together we can get them out of business or exposed to future victims of this **.

I WOULD NOT RECOMMEND THIS INSURANCE COMPANY TO ANYONE. THEY ARE NOT CUSTOMER FRIENDLY ONCE SO EVER!!! I had this company a little bit shy of a year and every single month, a week or two before my insurance payment was due they would call two to three times a day to remind me about my payment. If no I did not answer from my mobile number they would call my workplace... who does that as a insurance company??? As a paying customer there is no need for you to be that needy and clingy towards people to make a payment. This is not a loan company people!!! Fred Loya Insurance you need to get your priorities straight and try better customer service skills, not greedy in need of money skills. People please be advised take your money and your time elsewhere!!! Sincerely your friendly neighborhood reviewer.

I have an auto insurance from Hanover Insurance Company for last 4 years. All the payments went on time from my savings account each month. In July 2014, I ran into an accident, no fault of mine, and had a total loss of vehicle. The other party has state farm insurance company. I have been trying to settle my claim from the date of accident very sincerely. The Hanover insurance company appraised my vehicle at 60% of the current market price, I can buy similar vehicle from dealer. I have emailed them at least 50 similar vehicles up for sale. They will not repair my vehicle or they will not compensate with reasonable amount so I can replace my vehicle.

Accident happened on November 8th. Their insured hit my vehicle in the rear while it was parked. She admitted she wasn't paying attention and never applied brakes, she was driving approximately 45 miles an hr. My 9 yr old was sitting in the parked vehicle. At first Fred Loya put 50/50 fault on me and refused to pay. When it was proved that the city of Mesquite had a document that the area parked was approved parking, then they said they would pay.... they still have not paid.

I signed up due to the savings and advertising I had been hearing on the radio, but before that I had never heard of this company. I started a policy with this insurance company 10/24/2014, paying $80.00 that day and $62.00 11/08/2014. I canceled 11/28/2014 due to being in an accident and having my car totaled. I was told I had to come in and cancel, so I did. I was told at the time I canceled that I would receive a refund for the remainder of my coverage, the dates I paid for but did not use.

Very bad service, unprofessional agents/employees. I got my insurance on Sept. 2014 and until now I have not received any documents from them at all, the only thing I have is the cards I printed online. Other than that no other paperwork from them. Very bad service by phone and super unqualified for customer service. I bought my insurance Sept. 28, made the payment and then I got a call and was asked to pay another similar payment on the 5th of October, I did not get a good explanation why. The only thing I was told it's because that's the date "they" decided I should pay.

I have been waiting for 6 months to get the final payment on an auto claim we repaired for a claimant to Fred Loya Insurance. I have made numerous attempts to provide them with all the documents they have requested (invoices, DTP, supplement revisions). Fred Loya still has not made payment. I would advise anyone who deals with this insurance company to hold the vehicle until all payments are received. This is the only way you will get what you are owed. The adjuster that works the Colorado area is a cheap, uncaring, under-knowledgeable in the industry. He has no class in people skills and has no idea how to repair a vehicle. He is still in the 60s as far as repair methods and experience. I will advise also if you can stop it, do not take a Fred Loya Insurance repair into your shop. The time required to just get the proper estimate on paper and then all the time to get that paid is not worth the 5 or 6% you end up making on the repair because the adjuster is so cheap. Take them at your own risk. I will never work with this insurance company again in my shop.

I called in to receive a quote. I was asked for all my personal information. I was then place on hold for ten minutes. The agent returned and told me that I was unable to receive coverage. I was given no explanation. I had one driving incident several years ago (non-alcohol related). I have multiple friends that have full blown DUIs that were able to receive coverage from Fred Loya??! I asked to speak to a supervisor in hopes of receiving some kind of reasoning for their decision. I was placed on hold for 15 minutes. The supervisor's demeanor was completely unprofessional. She belittled me and made me feel like a criminal. She said I was too big of a risk and I should look elsewhere.

I am sure you have heard it all before, but I must share with you my recent experience with Fred Loya Insurance Company, and ask how can you allow this company to continue operating in your state. My parked car was totaled by an insured of Fred Loya Insurance, no debate on liability, but it took over 40 days since the accident to get a settlement. My totaled vehicle was left on private property for 7 days before being picked up by Copart on the orders of Loya. The accident was on July 1, but I was screaming at them daily as I live in Indiana and the vehicle was abandoned by my driver. They offered ridiculous settlement values, and had me dealing with 5 different agents who did not return calls and would always go to voice mail. I was told that they were only required to supply basic car rental at 24.00 per day even though my vehicle was a tow vehicle, an SUV, and I am in the golf cart business and require such a vehicle. This is all they would pay. It had a trailer on it when the accident occurred.

My car was hit by one their insured. My car received minor damage. I took my car to a reputable body shop for repairs. When I told them the insurance company name they just sort of rolled their eyes and told me that they had certain rules dealing with that company. If the repairs would be anymore money then what their claims adjuster estimated they would need to go there to take them a check in order for them to release my car. The repairs only took 2 days to complete, I have been stuck with a rental car for more than a week now.

First I got my insurance over the phone. I told the rep I wouldn't be back to Colorado for a few weeks, she said no problem. So I went with the insurance company. They then called me on Nov.4 to cancel my policy, OK. But now it's been 2 month, no refund check and all they keep telling me is they need more information to cut my check as it is. I'm concerned about my identity from this company when they can't even mail a letter to the correct address 3 times. I hope somebody has had the same problem with this company. And if so could somebody lead me in the right direction.

On 10//5/2014 a Loya's client hit my vehicle in the rear. 10/29 I received the very low claims check. Took my car to the shop of my choice where a claims adjuster needed to come out so another check could be cut for the remaining balance for repairs. Calls and emails to the claim adjuster were all in vain. I don't think no one who works for the company does anything at all but clear voicemails. That took another two weeks putting me at 11/12/2014. I had to get the rental myself and wait for a reimbursement check once everything was done. Car was completed 11/28 and now I fighting to get the reimbursement check. The claims adjuster now is telling me that they can only pay me for 20 days even though I had the car more days due to their unprofessionalism. This is month 2 of hell working with this insurance place because this is not a company. I guess you get what you pay for and their client don't pay anything clearly.

I was involved in a minor accident the day before Thanksgiving. I was in a gas station parking lot with my car door ajar about to step out to go inside. A car comes from my passenger side, drives behind my car and pulls into the space beside me. When he did this, he hit my door. There is a good foot long dent in the driver's side door now. I filed a claim as I am supposed to do. My insurance company gave me an adjuster by the name of Veronica **. She actually argued with me on the angles of the accident! MY INSURANCE!! She wanted to know how it was possible that he hit me if the front corner of his car didn't hit my door. Did you not take geometry? If you are turning from behind someone your right corner is not going to hit it would be the side of your car. She then said she would re-review the case and get back to me.

The only car on my policy with them was totaled on 11/09/14. I tried to get refunded for the days of the coverage period after the accident. Every single person I spoke to said they had the right to maintain coverage for up to 30 days even though the car was in their possession!! They would not refund me the money and went so far as to state that the Texas department of insurance has their own opinion when I told them the rep there stated they are supposed to refund that to me!

What to expect on a claim: -Voicemails - returned promptly, but voicemails. -Very Low settlement offers- so, counteroffer. -No Rental cars - so lack-of-use comp. starts day of wreck, today check is cut. -Checks take 10 working days - if lucky.

My daughter was in an accident with one of Fred Loya's client. She hit my daughter in the back. When she called the police, she ask "why you calling the police?" So she calls her mom to help her pull the bumper cause she wanted to leave. By then the police came gave her a ticket. We called them the next day to give a report of what happened so we did then. They called again to give another report, we gave three. Now they saying that there was no police report when we made a copy and gave them one and now they're saying they want the original one. I personally think that Fred Loya is just taking their client's money.

I was rear ended by one of Fred Loya's insureds. I refer to this company as "immigrant insurance" because nobody else will insure the people who sign up with them! First I had to jump hoops in order to get a claims adjuster to look at my vehicle. I ended up getting estimates from my body shop and taking the vehicle to the local Loya office to be photographed. Loya failed to pay me for lost wages due to the loss of use of my vehicle, for which I was forbidden to use a rental for. They were slow to approve repairs and overall, delayed the process by at least 24-48 hours. The staff at the local office was dressed like street walkers and the claims people were very unprofessional - never returning phone calls or repeated emails. This company is a joke and I pity anyone who gets victimized by having to deal with them. My advice is to file the claim through your own insurance company and let them go after Loya. You'll get your car back much faster without the headaches of dealing with their inept people and less than stellar company. There's a reason they market to who they do.

My vehicle was hit by one of their insurers and they came out and gave an estimate too low to repair the damage and they still have not paid the difference. The claims adjuster is not answering or responding.

My truck was stolen Monday night between 11:30 to 6:30 a.m. I reported the incident right away to the police department and contacted the Fred Loya claims department after I talked to the police officer. Customer service was helpful. She asked a lot of questions and after we're done she gave me the adjuster name and phone number. In less than 2 hours Alex the adjuster contacted me and informed me everything what we need to do. I don't even get a chance of calling him. He is so fast handling my problem. My blood pressure went up because I was very angry when I noticed my empty driveway but Alex calm me down. Today he contacted me again that our rental car is ready for pick up. I am so thankful that I have Fred Loya insurance. They are very helpful and fast solving my problem.

Approximately 7 yrs ago, we had bad storm and hail damages. I filed a claim to be denied w/o ANYONE coming to view damages. I called and was transferred to a woman VM. I then received a letter of denial. Again called and spoke with claims and explained that damage could be seen inside and no one came inside or to view. So ... I had no choice but to fix out of pocket. Well last week I get a letter after 7 yrs... that they want pictures of my repairs or my home insurance policy would be canceled in approximately 3 weeks. I called and asked why? Again was transferred to same VM lady ... No call yet and email given to send pics wasn't valid. So I have now a few days to attempt to email pics of MY COSTLY REPAIRS... FRED LOYA DENIED 7 YRS AGO??!!

I'm hoping I can get help this way. On June 18th a driver insured by Fred Loya totaled my car. I have a police report and have been trying to get someone on the phone to help me ever since. I have called numerous times, left messages, and still over a month and I have an unsafe vehicle when I did. I have missed numerous days of work because of being hurt and not having a good vehicle. All I want is this insurance company to do their job. I'm so frustrated!

One of our cars was backed into by a Fred Loya insured (actually it was his UNINSURED daughter, but not knowing how much trouble FL would be, we let that slide, big mistake). We got the information and filed the claim. We waited about a week to hear from the estimator to set up an appointment (earliest was almost another week from then). We got the estimate in the mail and it was at $1600. Before we filed the claim, we already got an estimate from our local body shop and it was at $3,200 (it's mostly a fairly damaged door, door alone costs $1,000 before paint, installation, electrical and upholstery and everything else) so we get the letter saying they're going to take responsibility and we get the check for $1600, BUT our name on all of the paperwork/check was spelled incorrectly.

I tried to pay my insurance policy at midnight and couldn't reach anyone. Fred Loya representative told me my insurance had expired at midnight. I explain to her I was trying to pay it online at midnight. Most insurance give you till midnight the same day not midnight before your insurance is due. I thought that was strange and now they want pictures every time I turn around.

I got hit from behind and Fred Loya are the hardest to get a hold of any Representative to help you. They Take forever. Very frustrating when your car doesn't work!!! And very rude on the phone....

Jose **, insured by Fred Loya, hit three parked cars, totaled two, including my truck and Fred Loya Insurance has not paid me for the damages. It's been over two years now.

I was rear ended by one of their 19-year old customers in May 2014. I went to one of their stores and a young clerk came out and took pictures of the back bumper. He didn't even look under the bumper to see if there was any obvious damage. After a while, he said the estimate was for $660. After a week or two, I received a check in the mail for that amount. I then went to four (4) body shops and the estimates were all between $860 and $1025. They all said the young estimator forgot parts and a trailer hitch plug and bracket that was under the bumper. I then called the assigned adjuster back and said I would like a check for the difference in repair costs.

I was hit by a Fred Loya customer. After 2 hours on the phone I finally got someone to tell me where to take my van to get an estimate. So I took it to an office where a lady did an estimate it was for $363.65!! I laughed at that she didn't even look under the van to see the sub frame that was bent, guess she didn't want to get dirty. So I took it to a body shop I trust. They came in at $1224.86. Then I went to my insurance companies estimator who came in at $1222.23. So I contact the adjuster for Loya and they tell me to take it to the shop of my choice and they will then send send the difference to the shop.

I was rear ended on 4/10/14 by a driver who was insured by Young American Insurance. It was an accident that involved 3 vehicles. I finally received a phone call from a woman from Fred Loya Insurance on 5/2/14 (3 weeks later). The phone conversation was questions about what happened in the accident, and the specifics of my vehicle. I informed her I was positive that the mileage on my vehicle was 206,000, but I wasn't positive of the remaining numbers. They sent out an adjuster to see the damages, but I was unavailable to show the correct mileage at the time. The woman called me back and said they deemed my vehicle a total loss, and their payment was $1553 if I release the car, and $1070 if I retain the car.

When I called the insurance company to let them know that their client has hit me and it was all their fault, I did not do nothing wrong, it took them more than two weeks to let me know that they actually got in touch with this person, just to find out that it they are a hundred at fault. Consequences is, I was not able to take my son to school and I missed all for my kids appointment including my own for the doctors.

Ok. The worst ever... hands down. File a claim and see for yourself!!!!!

Got hit by one of their insured. It took a week before they came and looked at my truck. They actually flew someone in from Texas to Colorado. The adjuster wrote the claim up and wanted to use a "Used" bumper to repair my vehicle which is 13 years old. Took it to the body shop and there was no used bumpers to be had. The body shop called Young America (subsidiary of Fred Loya) for a "Supplement" to get a new bumper. They responded with "We need pictures", which I don't understand, because they already took pictures.

This is possibly the worst insurance company I've ever dealt with. Yes, it's true. You get what you pay for. Customer service is the worst. Bookkeeping is terrible. Every month they call saying they didn't receive payment, even though my bank shows they did. While my son is in school and not working, this is the best we can do. But once he has a job a different insurance company is first on the list.

This is accurate and fair. This is possibly the very worst experience of my life. After an accident involving one of Fred Loya' insureds, I had medical treatment for almost 8 months, and, as a medicare patient no specialist would see me. That aside, my bills total approx $20k. I was dealing with an adjuster for all this time, maintaining contact every two weeks with progress reports. When I realized that I needed to settle this claim as it was now quite high and I needed to see serious hand specialist, possibly to have a sympathetic vein transplanted to get blood flowing into my hand, this could result in some seriously large bills with a microvascular surgeon.

I reported being in an automotive accident. My wife was getting out of the truck when I was parking and she fell out and got hurt. I took her to the hospital the same day she is in bad shape! I have been with Fred Loya over 10 years with a perfect driving record. I am a truck driver so that should sum up my driving! I reported the accident and now they open a investigation because they don't want to pay. What's funny is they can sure take my money for my insurance but if you make a claim and get hurt they don't like paying for hospital bill's etc. Bad, bad, bad a shame on FRED LOYA! SHAME.

I have been with Fred Loya/Rodney Young insurance company for about 5 years, never filing a claim. Recently, I was hit in an accident and though the police report says it was the other driver who did not yield no tickets were given at the scene of the accident. It has been over a month and I have no rental car, still paying my totaled cars payment and they threw up their hands telling me that they do not have to cover me because the driver (my sister) was living with me at the time. This is completely untrue, never mentioned and now they are done. They will not even help me go after the other insurance company since the accident was their fault in the first place.

My son was rear-ended by a man covered by Fred Loya insurance. We received a check in the mail. The check was deposited in my bank account and, when checking for it to clear, I found it had been returned and I had been charged an overdraft fee of $30.00. Vision Insurance, who wrote the check, had put a stop payment on it. After numerous calls and getting voice mails, i was told they had reopened the case and found us at fault for us being rear-ended by their client. I have never heard of a check being issued then a stop payment put on it. This insurance company is a nightmare and a disgrace to the other higher standard companies.

I was recently hit by one of Fred Loya's insured and, oh my god, it's been a nightmare dealing with these people. I can NEVER get a hold of any claims adjuster. I always get sent to their voice mail and when I leave numerous voice mails, I never get a call back! I was given a rental car for 2 days and my car was in the shop for a week. They didn't want to extend my car rental so I was left without a car for 5 days. I've never been treated this badly by any company before. Fred Loya is a disgrace.

By far, this is the worst insurance company I have ever dealt with. I was hit by one of Loya's insured. It took nearly 3 weeks to get my rental car authorization. I was lied to and told a check was sent out for the estimated repairs and it wasn't. It took another 13 days to complete 4 days' worth of repairs due to the adjuster not returning the body shop's calls. Then to add insult to injury, I was charged over $300 for the rental car extension. Lastly, I still have not received a call pertaining to the diminished value that was requested. I was told I would receive a call within 24-48 hours. It has now been 5 days and 4 messages later. This company is horrible!

On March 3, 2012, a person who was insured with Fred Loya at that time hit my car and totaled it and the other car. Since then, the insurance has been playing me around. I want to file a complaint. Fred Loya insurance is refusing to pay me for the total damages.

On September 2010, my daughter and I were rear-ended by a policy holder with Fred Loya Insurance Company. My daughter was taken by the ambulance to the hospital and I followed. There was a police report that stated that the woman who hit us was completely at fault and was an unsafe driver. I filed a claim with my insurance company and they paid for the rental car and my car damages, however, there was no medical coverage. Fred Loya has refused to pay the medical bills or my loss of wages, and all proof has been documented and sent to them. There is now over $5k in medical bills on my credit. They will not respond.

I cancelled my insurance policy with Fred Loya insurance five days after I began it. Policy #72-637920819 due to that fact I no longer have the car. The represented stated that it would be a $50.00 cancellation fee minus the daily cost of insurance. I paid $151.00 for my policy with me only had car insurance coverage for 5 days. I was expecting to receive a refund of $75.00. After three weeks of waiting I received a refund of only $20.10! This is not what I was told in person at the office. This is robbery and unfair. Fred Loya stole $121.00 of my money and I never received any services other than 5 days of car insurance coverage. Not fair! Customer call center was extremely not helpful.