Loya Fred Insurance

My wife was broadsided by a Fred Loya customer a year and a half ago. They just flat out refused to pay. We have State Farm and they pursued Loya (after we paid our $ 500 deductible to have the damage repaired under our policy) and they refused to respond. I have since spoken a couple of former Loya customers and apparently this is standard practice for their customers as well as those hit by their customers. They seem to collect premiums and then refuse to pay ANY claims whatsoever. They market a cut rate service to people without sufficient means to obtain reliable coverage — folks who they know don’t have the money or sophistication to sue them. Look up the definition of fraud and see if you think it fits.

First off, this place is located BEHIND and old office building. Looks sketch. Then you walk in and the place is DEPRESSING. If you want to remove a car and add a new car you have to pay $ 20. They’re also not with the times that you have to pay your premium in full or go on month to month coverage. In order to add & remove a car you have to go into the office. What kind of bs is that. And on top of that, they charge way too much just for liability. Not sure why anyone would have this insurance company.

WORST «INSURANCE» COMPANY EVER!!!
How they can call themselves an insurance company is beyond me.
My mom and I were rear ended by a Fred Loya Customer and I made an attempt to call them and start a claim. BIG MISTAKE THERE. The customer service representative began to ask the basic questions as they do in any auto accident claim. Probably about 15 minutes after being on the phone with this gentleman I realized that the questions were steered away from the accident information and all the comments he kept repeating were as if the accident was our fault?! After not providing him with my SSN he was upset and began to place me on hold… ALOT. Thirty-​five minutes into the conversation I was annoyed and finally told him I would just wait for a claims adjustor to call back with further details.
The claims adjustor contacted us a week later and was explaining how their rental car process works. So this «insurance company» does not have a contract with any rental car company (how that is my problem I am not sure but he felt the need to keep making his employer look worse by the second) so when one needs to go pick up a rental car they have to approve the rental car and place you are picking up the vehicle from. This was inconvenient to us seeing as, our insurance company does business with Enterprise Rental and they will even pick you up from the Collision Repair shop and drop you off at their store to pick up your rental! (WE LOVE PROGRESSIVE INSURANCE!!!) And just to make the entire experience that much more awful, the car was apparently only approved for 2 days (with the damage there was to our vehicle that was unrealistic) so our card was charged for the other 3 days! So now we are having to bill Fred Loya for the rental car when initially the adjustor approved us for 5 days! :(
Do yourselves a favor folks, STAY FAR AWAY FROM FRED LOYA INSURANCE
Hope and pray that you never have to deal with them!

I can’t do negetive stars, so I’m forced to give them one star. Someone please explain this company’s thinking, because I do NOT understand how they stay in business.
Our family was transferred to California and my son’s auto insurance was with Fred Loya. When we got here, my son (22) called to find out about changing his policy to cover him here. Fred Loya said they couldn’t just transfer the policy to California, they had to cancel his current policy, refund what he paid, then start a new policy. Okay … ridiculous, but do what you need to do. He had just paid his monthly payment of $ 138 four days earlier. So they cancelled his policy and when he didn’t receive a check, he called. He found out the refund is for $ 27 (which they said they mailed). The rest of his $ 138 went to pay for the four days he was insured, and towards the FEES TO CANCEL HIS POLICY EARLY. Are you kidding? So you’ll lose his business because he wanted to tranfer his policy (AND REMAIN WITH YOUR INSURANCE COMPANY) when he moved? He could be paying you every month for who knows how many years. Instead, none of us will ever consider using your company again. What a rip off. How do they keep customers?
BYE BYE FRED LOYA!

To whom it may concern: This email is an attempt to notify someone at Fred Loya Insurance of how your customers were treated by your employees at one of your locations. Something needs to be done about this situation immediately. I have never in my 40 years on earth been in the presence of such poor customer service. As an American, I felt disgusted by the treatment our fellow customers had received by one of your employees. The location is off of Ave. K and West Parker St. in Plano Tx. We had earlier that day called the number provided on the liability card that the fellow customer had in their possession. We spoke to a lady named «Candy» who was very pleasant over the phone. Explained to her that the fellow customers (Mr.&Mrs. S) are purchasing another vehicle adding to the policy and need full coverage insurance. I gave her the VIN, year, make, model of their latest vehicle. She had told me that all she needed was to speak to the customers and have the vehicle brought to a location so that someone can take photos of the van. After speaking with the customers she gave them a reference number. She then said that any location could do it, and Fred Loya was open until 6pm (central time). We arrive at the mentioned above location at 6:04pm and were told by 2 female employees inside thru a locked door that they were closed. We told them we spoke with Candy earlier and all someone needed to do at this point was to look up reference number and take photos. We were again told thru a locked closed door that they were closed. For the next 25 minutes we were given the excuse of their computers are down for the night and there was no way to get them back up. It wouldn’t count for that days business. All of this being said thru a locked closed door! Finally after Mrs. S couldn’t hear everything the employee was saying. She did open the door and stood in front shutting it behind her. Granted, I cannot speak Spanish. But I did get the impression by body language, gestures and tone your employee spoke down to the Ss’. I kept hearing the fact that they could not do anything tonight and it was out of her hands. Here is a fact that I have not told yet. Another female customer was inside doing her paperwork at the desk in front of the door! If the computers were down for the night why was she inside doing business? Whether or not the computers were actually down or not is at this point irrelevant. The fact is that we were not 10 – 15 minutes late, we were 4 minutes late! The stoplight in front of your location helped make us that 4 minutes late. Something needs to be done about this situation immediately. I have never in my 40 years on earth been in the presence of such poor customer service. I as an American felt disgusted by the treatment our fellow customers received. They are newly Americanized citizens, immigrants from South America and to have someone who is half their age talk down to them is degrading and insulting. The fellow customers do not know that I am writing to you about this situation. I deal with the public as well. I sell cars for the largest automotive dealer in the U.S. and they are #138 on the Fortune 500 (their ticker symbol is AN). If I did what your employees did to one of my customers, I would be hung out to dry. I will be submitting copies of this email to others in the automotive as well as the insurance business communities. I will also send a copy to the TDI as well. Something needs to be done about this matter immediately. The customers in question are: Mr. & Mrs. S of Frisco Tx.