This insurance is a scam even when I finally found it at a Walmart in Wasco CA. I honestly felt it was a scam I gave them all the information they needed my contact number and my insurance information even a witness number and I recently received a check for 80 something dollars. I was definitely shocked because I paid 500 dollars out of my pocket and my insurance helped me faster thank God for them honestly. They need to be investigated for sure I never received a call back and trust me I called them the day it happened because their clients fled before coming back to the scene I knew he had cruddy insurance. I called the branch in Wasco and they laughed at me could you imagine if he would have killed me and she's over here laughing about my suffering and trying to pay 80 dollars for over 2,000 in damages that still aren't fixed because trust me I went through my insurance because this Fred loya will never get back to you even if their clients are at fault I had a witness they probably never contacted just so they didn't have to pay for damages. Your not fooling anyone this isn't insurance People go to a professional even if it costs a little more, Fred loya is a bad choice I found theirs at a Walmart that's the proof. read more