DO NOT deal with this company. One of their customers hit my friend's car and then after dealing with Loya customer service for several weeks, he couldn't find any collision center that would fix his car. No collision center he contacted would work with Loya insurance. His own insurance company is currently fixing his car and then they will go after Loya to get their compensation. read more

I have NEVER encountered customer service this horrible...anywhere, ever. Their driver hit my car in November '25...it's now January 31 and I finally received the payment (of under 2k on a car they deemed totaled). They don't return calls until you leave dozens (no exaggeration) of voicemails. Their claims adjusters are rude and do their best to speak extremely fast and unintelligibly. I had to report them to the department of insurance to finally get a call back (after which they dropped the ball again). They guessed my car's mileage, never requested it and were 20k high, I had to send them time stamped photos of the odometer which they claimed they didn't receive, I had to send three times. Same with comps they requested after I disputed the value they placed on my car. Before the accident I had a mechanically sound/physically perfect car. It's an old car but it had nothing wrong with it. They gave me less than 2k...in no way enough to find a car in the same condition (or in ANY drivable condition). I wound up having to shell out 8k to get a used car. Absolutely corrupt, inept, disdainful - there was not a single person I spoke with who displayed any interest in helping me, it's as if they're trying to be rude to make you give up. Sadly, none of us have a choice if we're in an accident and the at-fault driver has this insurer. TLDR - they're horrible, keep a close record of how many calls you had to make and document everything. Be prepared for a very bumpy ride (or no ride at all when they're done with you). They shouldn't be allowed to do business. read more

Fred Loya Insurance is by far the worst insurance company I've ever dealt with. One of their policyholders hit my car and was clearly at fault (police report filed and two witnesses), yet from day one this has been a nightmare: * Their claims line constantly hangs up after the "please stay on the line" message -- no matter what time of day you call. * When I reached the main number, I was told they "Don't start until 10 a.m." even though their recording never mentions that. * I've had to give my police report number three different times. * One day they say they've received their policyholder's information, the next day they claim they haven't. * They even gave my insurance company a fake claim number, then denied ever taking the call, forcing me to start over. It should never take this much effort to get a straightforward claim processed. Their customer service is inconsistent, unprofessional, and shows no concern for accident victims. All I want is to get my car fixed -- their insured is at fault -- but instead I've been given nothing but the runaround. read more

BEWARE! Do not work with this insurance. It's a scam. Fred Loya does not want to cover the basic expenses even for inspection of the truck. My body shop billed out 2600$ just for inspection and storage. About 1200 for inspection labor to one the truck up and see all the internal damage. Storage, Admin fees, etc. Reason why they're charging so much for storage is because Fred Loya has taken so long to go on with the process. We're always just waiting on them. Yet, they're Replying days later, lying about me even receiving phone calls or notifications when I never did. It's been so hard to get a hold of my adjuster for any questions. Question I ever asked was for a status update on my vehicle because they never notified me about anything going on. ALEXANDER R HERNANDEZ and VERONICA TORRES have made this process very difficult. Stay away from this insurance. They don't back up their customers and their customer service is the worst. I'm very surprised a company like this is still in business. Definitely not getting insurance with them again or recommending anyone to do so. read more

I have been trying to put this nightmare behind me for eight months now, EIGHT MONTHS and we still can't close my claim. My claim gets passed around from adjuster to adjuster and no one seems to care enough to notify me of it, not with an Email, no letter, not even a call. I had to reach out to the BAR to help me negotiate with the body shop since my insurance failed To remove the vehicle causing it to rack up some ridiculous storage fees; i with the help of Mr Hamlet (from the BAR) was able to lower the storage feed from $16k plus to $1,875. They were quick to pick up the vehicle from my residence within a few hours of me, taking it out of the shop but its about to be five months and they can't finish reimbursing me. Now going based on the settlement agreement,they owe me $2578.72, again it's been eight months how long does it take for them to close a claim?!!!! read more

Would not recommend! My car was damaged due to the flood in Pasadena , I went to a mechanic to get it fixed payed 436 out of pocket . Was told there was nothing they can do for me even though I'm paying full coverage insurance also comprehensive that covers flood because I had to wait for an adjuster to inspect my vehicle . when I have proof of the flood and the receipt . was told it's on my contract that they can't help me with anything since I didn't follow protocol and wait for them to inspect my vehicle ! I have a life and a job how was I supposed to get to work. And also was told why didn't I call the day this occurred when it happened Sunday they were closed . And yesterday was Labor Day also they were closed! How inconsiderate! What's the point of paying for full coverage insurance when they aren't going to pay a dime ! read more

At the start of 2024, my two SUV's insurance premiums with Acacia Insurance Managers LLC were $74.84. In February, it rose to $75.84, and in March, it increased again to $76.84. April's premium remained at $76.84. Believing this to be excessive for insuring two Suburbans, I began to look for a more economical option. In May 2024, I discovered that Fred Loya Insurance offered the most affordable rates. I signed up with an initial monthly payment of $59.82. The only drawback was their requirement for automatic deductions of the monthly premiums from my checking account, which implied granting them access to withdraw funds as needed. Indeed, they provided me with an authorization agreement for recurring payments on variable dates, yet they failed to specify any monthly amounts. This oversight should have been a red flag; regrettably, I placed my trust in their commitment to honor the monthly agreements. My initial automatic payment was higher than the quoted amount; it was $63.82. I was immediately upset because they withdrew more money than what I had agreed to. I felt very disappointed with Fred Loya for not honoring the quote they had provided when signing me up. After pondering for a few hours, I considered disputing the price difference and starting anew with a different insurance company. However, I decided against it and remained with Fred Loya, assuming the difference was only $4.00. The subsequent monthly premium remained unchanged, but this month (August 2024), I was surprised with a charge of $75.82--an increase of $12.00 from my initial premium. Since they have access to my checking account, I feel powerless at the moment; definitely, they've taken advantage of my available funds. Since this month's premium has already been withdrawn, I will begin searching for a new truck insurance company, preferably one that does not mandate automatic withdrawals from my bank account to prevent such issues. - Lesson learned...! After sharing my unfavorable experience with Fred Loya Insurance, I began to value Acacia Insurance more. Their rate hikes were more reasonable, and crucially, they didn't automatically deduct their premiums; instead, they billed me monthly. This gave me the opportunity to consider whether the premium was acceptable or not. I shared my negative experience to prompt others to carefully evaluate if Fred Loya Insurance is truly the best value option, given their access to customers' financial institutions. read more

Fred Loya Insurance - Authorization Agreement for Recurring Payments. - Auto Insurance Near Me - El Paso, Texas

Their client hit my vehicle and I filed a claim . It's been 2 months and the claim is still on hold . They haven't even bother to send their adjuster to take picture of the damages their insured caused . My truck is totaled ! Their response is that they haven't been able to talk to the policyholder to hear their side of the story even though I have a police report ! read more

I emailed Loya again this morning Here's what I stated: Hello Loya,  As of today, March 27th, your company still has not provided me with a Market Valuation Report for determining the Total Loss of my 2021 Hyundai Sonata VIN #5NPEG4JA9MH103488. I have requested this required document over and over again in order that I may file a GAP Claim.   I am also reporting this failure to disclose this document to the  Illinois Department of Insurance  Consumer Services Section  320 West Washington Street  Springfield, IL 62767 Phone # 217-782-7446 as well as the fact that you stated that I may retain my total loss vehicle which is in violation of Illinois Vehicle Code which does not permit me the right to retain my salvage automobile once it has been deemed a total loss. You, my insurance company must take possession of this vehicle because it's not 8 model years old and you must pay my lein holder, Hyundai Finance the full Actual Cash Value, including taxes & fees minus my deductible, which you have failed to due so. Sincerely, Rashaun Pledger read more

Fred Loya Insurance - Auto Insurance Near Me - El Paso, Texas

TERRIBLE. Worst insurance company ever. Nobody answers phones or does anything. Sorry ass company. STAY AWAY.

The simple act of a smile would actually have made the whole transaction better from the beginning. Unfortunately, the very first person you have at the door should be at the very back of the store with no doors so anybody can see her. She is the worst person I have ever seen in my life. I don't care if she's had a bad day or a bad life. It's early in the day already for her to have Carise fucci. She wears no name badge whatsoever the cards on her desk don't have her name. Oh I forget she does have a name badge. It's reversed so you don't see her name. Luckily I got a receipt and it showed her. Her name was Moni and it was actually Monique but she corrected me when I said moni. I don't understand why being in Customer service with an entrance for customers to actually come in are horrible. Yesterday I got a phone call from a lady on the phone who had the best attitude and I could tell she had the hugest smile on her face and I told her I would be in today to make the payment in person because I don't like to give my credit card information over the phone. She was totally awesome. Your bad seed here trying to impress I don't know who needs training. And you have a big company, sir and ma'am you can afford to train these people correctly. Who actually want to give the best impression of your company. It's already sour because of other things that have heard of in the past, but thank you for reading this post. I think I'll have to go to Google and copy and paste this now. read more

Got a missed call from Raymond Baeza saying that my claim was denied (I already knew that was going to be the case, no arguments there). I call ray back and he tells me he needs the claim number he left on my voicemail, so I'm like ok I'll call you right back with it. I get the claim number and call him back not even 3min. Later and he completely ignores my calls now. All I wanted to do is ask a couple questions about my situation. If these "professionals" act like this over a denied claim that was obviously going to get denied with no rebuttal from me. Then I couldn't imagine how they'd act in a real situation where I needed them as a paying customer smh. But you get what you pay for I guess, cheap insurance comes with even cheaper insurance representatives. Do yourself a favor and spend your money with a reputable insurance company that doesn't have so many negative reviews. read more

If I could give this company NEGATIVE stars I would do it in a heartbeat. I have never worked with such an unprofessional company. You would think if you got hit by THEIR client they would help you like any normal insurance would. NOPE. Their client TOTALED my car and still no answer from them. If you ever get into an accident by someone insured by them GET A LAWYER or GOOD LUCK. They NEVER answer the phones. I even called SUPERVISORS 10 times and leaving voicemails. Supervisors SALVADOR and CHANTEL called them each 10 times and left VM and never got a call back. My first "adjuster" would pick up but would immediately put me on hold so I would never even get to talk to them, my next adjuster was rude and made me seem like I was the problem. It took me CRYING on the phone for her to help me. My final "adjuster" seems like he doesn't even care period. You will get bounced around from adjuster to adjuster and they won't even tell you. I had an appraisal person come out to look at my car and even said "fred loya drags their feet" and since no one would answer me I contacted her to see what the updates were and she was rude and told me to contact fred loya. Aren't you part of fred loya??? No one gives you guidance at all. Shoutout to you Amanda, I just know you love working here! This company won't send you anything in the mail and will text you major updates with little to no info and when you try to call them AGAIN NO ANSWER. The phone number on their website is not even in service so AGAIN you won't reach anyone. Also, no one seems to have corporate information so AGAIN ghost town. I got hit December 6th and it is now almost the new year and I still have not gotten a settlement from them. I have never experienced being so helpless from insurance. Good luck to the next victims of this awful company. I would not wish this experience on my worst enemy. read more

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 have filed complaints with the Attorney General and BBB. This company is a complete scam from top to bottom, and they need to be held responsible. read more

I have been trying to contact my claims adjuster for some time now. All they can do is put in a 24 hour wait list for him to call me back. He finally calls me and I missed the call by 5 minutes. This is extremely frustrating. I have no update on my car. I keep being told contradicting information. Their answer is always only your claims adjuster can tell you. My family and I have been customers for over 15 years we are seriously considering leaving the company. This has been happening since February!!! Do not do business with them! read more

Terrible insurance company. I tried to file a claim and they kept saying a claims representative would call me back and I never got a call back. I decided to cancel.my policy but they took the money from my account before the due date. They sent my refund check to the incorrect address. Multiple calls and weeks later, they finally tell me I need to go into an office to void the check. Another week later, they still haven't sent another check. I wonder if I will ever even get my refund. I don't recommend doing business with them because they do not care about you as a costumer at all. read more

This insurance company is deceitful beware they tell that you have a 10 grace period and they do not honor this. The best thing we did was go to Allstate we saved money and we joined a reputable company. read more

I don't even have this insurance but I can see why it has so many bad reviews . I do have a claim with them because the other party involved has it . And let me just say it's ridiculous. I've been waiting and my claim is pending because they're insurer claims she was driving when it was clearly a male she's obviously covering up for someone and now I have to wait because they "have to confirm " who the driver is . So now it's a waiting game which is a bit ridiculous because she already admitted her car hit mines and to top it off it was a hit and run ! I can't even wash my car cause she rear ended me so hard and popped my trunk up . And it's been over two weeks ! Also whoever appraised my car listed my car as fair condition literally just took my car off the lot two weeks prior to the altercation! Loooking for the cheap way out I can see . read more

Don't do business with this insurance company and hope you aren't in an accident involving one of their insured. They will lie to you, accuse you of causing the accident when their insured drive was cited by highway patrol for multiple violations. Good luck in trying to get a claim paid by them. They don't use email I was told and the paperwork was mailed to me, it wasn't, another lie. The person I talked to was rude and didn't care that they get crap reviews online. You would be lucky to actually get a person on the phone. Zero stars but default is one. read more

I'm disgusted in this company and after reading reviews I see alot of people have the same issue. My car was hit by 1 of their drivers 2 weeks ago. She was just gonna leave but I stopped her and she gave me her insurance info. They also asked that I bring my car in to have pics taken but made no mention of it being truly looked at. Fast forward 2 weeks still waiting ive had to call the adjuster Vianney Martinez is worthless she doesn't call to update me NOTHING called her lead who was worthless as well i said I have VIDEO of this accident she said o send it to me never heard back on and I see they really dnt go above and beyond because supposedly this lady refuses to contact them back regarding this incident. Im contacting a lawyer as well as filing a police report. This is complete bull shit and so unprofessional and terrible customer service. read more

Fred Loya Insurance - Auto Insurance Near Me - El Paso, Texas

Fred Loya's client hit my 4Runner. After three weeks, they finally accepted fault and told me to have my SUV serviced. With parts shortages, it took almost another month to get it fixed. In the meantime, Fred Loya makes you pay out the rental car out of your pocket, and they try to reimburse $26 a day. You can not rent an SUV, for $26 a day. I paid almost $2000 out of pocket and have been chasing them for 7 weeks to get reimbursed. You call and leave a voice mail, and nothing happens. You email, and nothing happens. (Probably 50 phone calls, and 20 emails) Horrible customer service. The absolute worst I have seen in 31 years of being an adult. Beware of this company. I give it a "1*" because "0*" wasn't an option. read more

Fred Loya took 2 months to look at my motorcycle and left me with the towing/storage bill. They sent me a check for the towing and for my damaged property, but it doesn't even cover the towing/storage! Much less leave me with anything at all to replace ANY of my damaged property! They said they took so long because I didn't do my "due diligence"for them to look at my bike in a timely manner. Uh, hello?! You had all the information as you requested the police report the day after the accident! I was recovering from major injuries sustained in the accident, yet they want me to follow up with them to ensure they look at my motorcycle? Come on, folks. They refuse to budge on their minimal payout and now I'm being sued by the towing company. Thanks a lot, FLI! read more

Where do I start? My wife and I have held Full coverage insurance on our vehicle for several years. When it was destroyed in a fire on Oct 14 22 they have yet to settle up. Today is Dec 06 22 . They also "DECLINED " to pay up for the other 2 vehicles damaged in the fire. After the sale service is the worst, The claims process is a nightmare. We were told we had rental included but when our car was involved in a fire and totaled, they changed their minds and decided we don't have coverage for that. We are still without a car or money to replace it. Ms. Veronica Torres , "The Claims Supervisor "was the worst. Rude , dismissive, talking over the customer and saying that it was in the hands of the "Appraiser. I am getting no assistance whatsoever and I am now forced to file a complaint with the TDI Texas Department of Insurance. Here is the Website address. www.tdi.texas.gov. I now know how the Loya family is able to continue to be super rich and open more and more offices as well as put on 100.000 dollar + Christmas displays. Simple: Don't pay claims. Read all these bad reviews and ask yourself, Do I want to write one of these too? read more

Fred Loya Insurance - Auto Insurance Near Me - El Paso, Texas

See all

If I could give them zero stars I would. Wednesday morning 5/24/23 I had one of there insured drive into my driveway and take out both of my cars. It's been nothing but an absolute hassle since. I make it to the point of picking a body shop and the body shop say no way we are dealing with them (Fred Loya). So I call another basically get the same story. It's 5/26/23 now and I still have both cars inoperable in front of my house 1 on the lawn and have no rental. This company is an absolute joke! I will be going to the Oklahoma Insurance Department about these clowns! They shouldn't be offering insurance to anyone! read more

At one time they were great, but that has changed. Since the business has grown, so have their heads. They are rude, ​ and don't care. I cancel my policy, they still charged my account ant now I have to wait 7 days to get my money back. When I had a claim, they took forever and you have to take your vehicle to one of therapy approved shops so they give tou an estimate less than it should be. Beware of Fred Loya Insurance. read more

I had been using Fred loya insurance company on one of my vehicles and I purchased another vehicle and I went to them to add it on well they had to cancel the first vehicle and then open up a new policy with both vehicles one with full coverage and one with liability only why they did it like that I have no idea but nevertheless I ended up paying $280 to get a new policy started although I was not a new customer 4 days later I had to cancel this policy because the finance company for my new vehicle would not accept Fred Loya they do not do business with this insurance company, I requested a refund, I was told I'm only going to get $176 because they charged me $40 to cancel policy and the rest were for the four days that I used their insurance, which doesn't even add up but nevertheless I will never do business with these crooks again and I will never recommend them so stay away from them now I know why the finance company didn't want to do business with them. read more

If you are looking for a insurance company this is definitely not the company you want. I got stolen and I did everything I was supposed to do call the police make a report call the insurance send them pictures. It's been more then a MONTH that I waiting for the check they were supposed to send me to fix my car and I still didn't got it. Since July 21 I'm waiting for them to do something about my car and nothing. It's really frustrating. They have a "good price" but you know the cheap is always expensive at the end. The customer service is worse, I'm very disappointed. read more

This company is the worst company I have ever dealt with. They don't even deserve a star that's how bad they are. I don't even have this insurance but dealing with them was such a bad experience overall. They are KNOWN for disputing EVERYTHING and PROLONGING every thing just to hold on to their money and not pay out anything until the end! Every person in every department I've dealt with are so rude, lifeless, unmotivated individuals. This company is worse than the DMV. SAD, sad, sad...I DO NOT RECOMMEND ANYONE GIVING THEM ANY OF YOUR BUSINESS. There's other insurance company who actually has a heart and care about their customers. I'm glad I'm not their customer but unfortunately had to deal with them. read more

It is true that trying to reach by phone is horrendous. I was recently in an accident, which was determined to be my fault. And if that was the case, I was fine with it. I wasn't going to shrink responsibility (in any scenario). What disappointed me about Fred Loya was the lack of communication. Basically told I couldn't get any help (even though my car had more damage). Asked could steer in the direction of a body shop and would pay myself. Told they don't do that/have no one. I responded with "what kind of insurance is this?" then. Definitely going to move to another company after such mediocre service. read more

my name is daisy my claim number is 72429372 this insurance is the worst insurance you can get. dont make the same mistake as me and get insured by them they will not do their job as adjusters and answer your questions,update you ,explain the process to you what so ever. if i could give zero stars i would !!! how is it that since my accident i have not been in able to get in contact with my adjuster michael aguilar i have been calling him everyday leaving voicemails to his number ,messages,emails i have even continued to start calling and emaling the adjuster supervisor & still nothing ? what the fuck is wrong with this insurance literally? the supervisor of adjusters really cant call me back or email me back nothing ?? its her job to do so i'm receiving emails from fred loya wanting me to sign documents i even have a deadline and they expect me just to sign ?? without answering all my questions how tf am i supposed to sign something i know nothing about ??? i just spoke to someone from the claims department & said my adjuster tried to contact me yesterday at 5pm yet i check my missed calls & its nothing !!! they are lying saying they tried contacting me !!!! to cover their ass i call everyday and have my phone next to me at all times. i need more information before i sign anything i need my questions answered its not their car that is a total loss its not their job on the line they are not the ones paying for rentals & ubers so of course they are so careless!! read more

I'm providing factual information on why you should never do business with Fred Loya Insurance from my own personal experience. Their insured rear ended my vehicle July 3, 2021 it's now October & things are not resolved. I even had to contact my own insurance. I had to obtain the police report and send it to them. They told me the insured party had 40 days to make a statement. Due to the accident on the expressway my car didn't show much physical damage, but begin to not shift properly. The adjuster knew of this and didn't even bother to investigate. Instead he made me wait almost 25 days to go back and pretend to check the mechanical damage. Then after Ricardo from Fred Loya got me a rental car they would cancel it every couple days, and then enterprise rental would contact me. So I constantly stayed on the phone with the Fred Loya, the rental department, and the rental company. Then they lied and told the Enterprise that my car was fixed, but it wasn't. They said that because the car was in the shop the max amount of time. However, the only reason that happened is because he waited 3 weeks later to falsify conducting a proper inspection while giving Chris at the dealership a hard time. They also poorly notated the account a few times to the point where they didn't even where my car was. Now Alexis V is denying my all medical treatment after my visit to the ER... She also started with a offer of $250 pain and suffering/lost wages. Even though I wasn't able to drive my business vehicle which is approved to drive commercially for 3 months. Also I emailed proof of how I'm paid as Uber driver and for owning my own company. Last but not lease leaving me with $4000 worth of car rental bills. When I haven't had my business vehicle.The insurance business is heartless, but Fred Loya is the worst! read more

Fred Loya Insurance - The second rental car I had to pay for out-of-pocket because Fred Loya is scammers. - Auto Insurance Near Me - El Paso, Texas

See all

After reading the many horror stories of this company I am adding mine. This past year I thought I had a good quote from another company. I cancelled my insurance with Fred loya and later found out that is wasn't as good as what I had. I tried to get back to my original policy, but they wouldn't let me. I am on a fixed budget and they wouldn't work with me. My premiums are higher than before and no roadside assistance. As soon as I get another company I am out of there. They are the worst company ever, really gave me a hard and were rude. Placing a huge guilt trip on me. I am a good driver and deserve better treatment than this. I agree they should be shut down. They are thieves. They don't deserve any stars. read more

This is an insurance company that gives the insurance industry a bad name. We had an accident on 3/11 with a driver insured by this company. Their driver admitted fault at the scene. He stated that he was reaching for something in his car and ran a red light. My stepson, driving my wife's car, called my wife and asked if he should call the police. Seeing as there were no injuries and the police are currently very busy with the health situation, plus their driver admitted fault, she said not to bother them. We called Fred Loya and they picked up the car and towed it for evaluation. Within 3 days they said the car was totaled. They said they are waiting for their driver to respond to their phone calls. We provided text messages from their driver apologizing and admitting it was his fault. They will not accept that as proof and asked if we had a police report. So now it's been 12 days and their driver hasn't responded so they will not pay the claim. This is forcing me to go through my insurance company and accept a $1000 deductible on collision. My advice, if you get into an accident with a driver using Fred Loya insurance, and it is their fault, call the police to get a written report. read more

DO NOT USE OR DO BUSINESS WITH THIS COMPANY This is the worst company I've ever dealt with. I'm not a guy that likes to post bad about companies, and reviews. But this company deserves it and deserves other people to realize how bad their services are. My bike was run over by on of their registrants. I filed a claim so that my insurance (Serenity Insurance: very good and affordable) would resolve the matter. Loya is the only insurance company that does not allow other representatives to file claims other than the person involved in the accident. It was difficult for me to waste so much time and effort trying to get this over with since my time is very limited. Even though I had to wait about two months for the issue to be resolved and for them to pick up my total loss bike and send me a check... That was it. I'm very disappointed with this company, their customer service representatives were rude, unprofessional, and inadequate. DO NOT SIGN UP OR DEAL WITH THIS COMPANY EVER, EVER. YOU WILL WAIST YOUR TIME, MONEY, ENERGY. WORST THING EVER, CAN"T BELEIVE ITS STILL RUNNING ALONG WITH AN FFF RANKING AT THE Better Business Bureau. read more

Ashley Deleon is the most unprofessional person I've had to work with. She is very nice when getting all the information needed but when it comes to everything after she's horrible. Does not communicate doesn't answer calls doesn't respond to voicemails so I emailed her, all I got was "if you have any questions please call me" so I replied back LMAO you never answer and just like that she blocked my number or something because every time I call now it goes straight to voicemail. Nobody ever knows what's going on every time I call I get asked about payment but my car is totaled wouldn't you think they'd make a note of that so they aren't still collecting money for a vehicle that's not operable? Nope and whenever I ask about my claim they tell me stuff I already know not the updates of what I really need. Horrendous insurance company would highly NOT RECOMMEND and it's very unfortunate because this is a Latino business. Buenos para pedir $$$ pero cuando es tiempo k te pagan a te they go blind. It took a month and some for a check to get sent out to my Lienholder nobody could tell me when it went out just that if it's not there yet it will be soon. But the packet they sent me I received in 3 days and that was sent on a weekend I got a text Saturday about the delivery yet it takes years for a check. I am highly disappointed with everything they handled. Only covered 5 days of a rental when my policy doesn't end until September 12th, like what. That's what she couldn't explain to me and that's what she was ghosting me for. I hope you read this Ashley you need to find a different job this ain't it. read more

Before you decide to get insurance with these people they're the worst insurance company ever my due date was today August 17th and they cancelled my policy today because they didn't receive their money between the 12th and the 17th due to circumstances so now they decide they want to cancel my insurance policy do not do business with these people they're bad business people bad customer service all around just a money-hungry insurance company that just want their money and if you don't pay even if you do pay on your due date they still cancel your stuff all around just a money-hungry insurance company that just want their money and if you don't pay even if you do pay on your due date they still cancel your stuff read more

Okay, so it started when I got rear ended by one of their drivers. I've been dealing with a team in El Paso (assuming based on the phone number, specifically Team 2). I dropped off my car to a body shop on monday the 4th. A supplement was submitted by the shop Tuesday the 5th. Today is monday the 11th. I've left them I think four messages as of writing this and the body shop has left them at least three about the status of a supplement to the repair (meaning it was more then the previous estimate done by their agents). The voice mail recording states that if the message was received by 4:30 pm, it will be answered that day. Well, it's been five days and counting now. If you can't answer the phone or call back to a voice mail, well, you have a problem. Just dropping off my car and the claims process was a pain in the neck. First off, the police report (and the fact that the guy who hit me was hit with a citation for following too close) clearly states I was not my fault. But they take forever to "investigate" the accident. Yeah, like you'll get anything better then a he said she said situation when you ask the drivers. Next, to get a rental, they have to confirm with the shop that I dropped off my car, but as stated, getting these people on the phone is a nightmare. I dropped off my car at 2:40 pm. It was approximately 6:30 by the time I finally got the keys for a rental. And no, Enterprise was not the hold up, the hold up was waiting for them to call me back so I could hand my cell phone to the shop employee and they could tell them I dropped off the car. If I do not receive a call back by Wednesday, November 13th to tell me the status of the supplement, I'll be filing a complaint with the BBB and moving on from there. I'm not an impatient man normally, but this is getting stupid. I would also like to point out that this evidently is not uncommon. The shop employee I dropped it off with heard "Fred Loya" and signed. He then told me once they had a BMW in for more then a month before a supplement was approved and they could finally finish the work. Also, I will be happy to update this review if someone in their Customer Service department can help. read more

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 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 . I called him back and left a message this was on a Saturday. I called back on monday and talked a supervisor. She told me that i has missed my appointment to take my car for the pictures. That was not true. I told her that i was there and had took the pictures. Then she told me that they lost my pictures. I said at what point was i going to be told this. She said that she would have to send some one out to take the pictures again and i was going to take a couple of days. And they did come to my house. He took pictures of the damage to the car my seats. My floor matts the oil on the dip stick even the sticker on my window from my last oil change. I told him that i was having trouble starting the car and there was a clicking noise coming from the the tires. Today is july 31st 2019 i was told that the fuel pump is damaged and my car will not start. A claim was submitted and was deined. They said it is not accident related. Not mind you i did not have problems with my car starting before the accident. I do have full coverage and Now i have to pay out of pocket along with a high deductible of. Now let see if the will fix what ever is clicking on the underneath... Cant wait til this nightmare is over. To be continued... read more

I am only give this company a star because I am not allowed to give them zero stars. I was hit by a Fred Loya client on 4-27-2018 and I have not received my check to fix my car yet and it's now 6-5-2018. Carolina Villalobos, the Claim Representative, refuses to send my check in a fashion that allows a tracking number even though by their account, they have tried sending me my check but it's just not reaching me. Well, how is it not reaching me when I have already received correspondence from Fred Loya and the letter came to my apartment right away. Carolina's boss, Victor Garcia, refuses to call me back. Victor Garcia's boss, Jose Guitierrez, refuses to call me back. The President of the Claims Department, Edgar Meza, refuses to call me back. I have now filed a complaint with BBB and the Texas Department of Insurance. read more

This is such a horrible insurance and customer service. The holder of this insurance policy hit my vehicle on Saturday at 8:30 6/11 five days later My car has not been picked up for assessment, and they are declining to give me a rental until the auto shops picks up my vehicle What the F!!! is that. Plus the auto shop is in Los Angeles, and they are picking up my vehicle in Long Beach, FRED LOYA is in TEXAS and they work Mountain eastern time, meaning that I will go on a sixth day without a rental. WTF. And I have to accommodate the insurance because they hadn't gotten that insurance holder's statement or taking liability for hitting me. What a disgrace of insurance and says they are for Latinos. Really make accommodations to assist all states equally and not just have Mountain Time so that I have to spend 8 hours trying to deal with this issue. Car rentals are open 24 hours, the rental can be set up so that I can pick up a rental after 6pm California time, but noooo because the auto shop does not have my vehicle in their possession, I cannot get a rental. REALLY never had this happened to me before. What a horrible insurance!!!! read more