Loya Insurance Group

Fred Loya's insured, carelessly smashed into my car. Fred Loya admitted its insured was completely liable. I filed my claim. Thereafter Fred Loya refused to provide written claim-related information. This led me to obtain my own estimates from reputable collision repair businesses. They shared their refusal to do business with Fred Loya. They relayed Fred Loya's failure to pay legitimate claims or Fred Loya's unreasonable extended delays causing negative impact on customers. When it comes to doing business and serving the best interest of his own insured and those who file legitimate claims, Fred Loya's business practices fall at the very bottom. Better Business Bureau gives Fred Loya an "F", a complete failure. The Wallethub reviews from Fred Loya customers and others who have had to deal with Fred Lpya reflect that Fred Loya is rated at a low 2.4. This certainly emphasizes a HUGE RED FLAG that says: "STAY AWAY FROM FRED LOYA" and "NEVER DO BUSINESS WITH FRED LOYA". In my personal experience, I have found Fred Loya to be extremely unethical, clearly dishonest, and pays attention to and will only communicates with those who owe Fred Loya premiums. When it comes time to pay up a claim, Fred Loya applies such delay tactics as making the claim check payment to an unrelated person, or misspelling both my first and last names, further, refusing to respond to written requests for necessary documented information, never providing the documented justification for their ridiculously low estimates and offers and verbally refusing to communicate via email or other written correspondence. Fred Loya made it clear to me: "We just don't do email". A rating of "1" is just too much for what I believe is a business that operates with such corrupt, lowly, disrespectful, and dishonorable business practices. Dealing with FL has been the worst and most distressful experience. it's unfortunate that the ratings do not allow a minus 100. It is completely remarkable and unbelievable how such a business as Fred Loay continues to exist. Fred Loya reflects the worst of the worst.

Just like everyone else, I can’t say a single thing positive about this scamming company. How are they allowed to sell insurance that is sub par at best? Their hours are wrong on the website, they do not have 24hr help, refuse to VERIFY POLICY info over the phone. And if you ever get through, they won’t call you back. They will underbid your estimate and not pay you on time, if at all… what a total scam company. No reputable body shops will even deal with them… wow.!.!.!.!

Don't ever buy car insurance from Fred Loya Insurance. Worse yet, don't ever be hit by one of their insured drivers. I was hit by one of their insured drivers running a red light. I had two other witnesses and traffic cameras to prove what happened. The Fred Loya driver was cited by the police for running a red light. After two days of frustrating calls to Fred Loya I was instructed to take my vehicle to a local F. L. office. A girl came out and took two pictures of my car. After another two weeks and many more frustrating calls (not answering, on hold, not returning calls) and after personally sending them a copy of the police report (which they couldn't get?) they sent me a check. I soon found out that collision repair shops (I checked 3 different shops) did not want to touch my vehicle only because it was covered under a Fred Loya claim. I was told of the difficulty dealing with them and low-balling estimates. I then contacted my insurance company and put in a claim. I took my car into the first collision repair shop on their list (one that previously refused me under the F.L. claim) and was now treated with respect. After one business day I was given an estimate that was nearly three times what F.L. had given me with the check. I went without a replacement vehicle for a little over a week but then realized I needed another vehicle because of some childcare responsibilities. I expected the worse and that is what I got when I called Fred Loya. After being on hold for 25 minutes and then talking to a girl I was told they don't have any agreements with car rental agencies. Really? The only thing they could do would be send me a check. The check would be for ONE DAY, $48.00! This is for the time they estimated it would take for the repair. I elevated my call to the girl's manager but got the same.
If you read reviews of Fred Loya it is one horror story after another. It is rated 1 Star but that's because you can't give zero stars. Don't give them your business. And write not only reviews on the BBB website and other sites but report them to your State Attorneys General Office for bad practices.

Their insured was 100% responsible. It took weeks to get an appraisal. After repairs were done, they are refusing to pay the difference of when they supposedly issued the check to the collision repair company and when the company received the check 10 to 12 days later. Total scam

Worst insurance company I’ve ever dealt with. Do you guys ever pick up the phone or reply to emails? It’s been 3 weeks since my accident and absolutely nothing. No replies to emails. No answers to any calls.

If I could give them negative stars I would. Good luck to anyone who's involved in an accident with one of their insured drivers. They literally do everything to scam you into paying for an accident that was not your fault. One of their employees hung up on me. The adjusters don't call you back. They expect you to pay out of pocket for a rental, even when the accident wasn't your fault. All I want is my car fixed and they've found a way to make the last month an absolute nightmare. I would absolutely NEVER get insurance through this incompetent company. It literally trickles down from the top. You get what you pay for. I even feel bad for the guy who hit me. I'm sure it's a mess for him as well. The most scamming unprofessional company I think I've every had to work with to date.

My vehicle was struck by a Fred Loya insurer. The driver accepted 100 % fault on the scene. Now I am being told Fred Loya's decision is 50 / 50 fault. This company does not respond to calls or emails. Dishonest and unprofessional.

A Loya customer destroyed my fence, gate opener and landscaping. I had to constantly call and then the amount sent was half what was needed to fix the issue. In hindsight I should have sent my great insurance company after them. They probably would have got the full amount and then Loya would have to pay my deductible as well. Would serve them right for the horrible service.

One of FL clients hit me, they took fault for the accident (it was a cut and dry claim). Fast forward to getting my car inspected for a damage estimate: no one gave me a claim number and no one wrote down my email address or home address for an estimate to be sent. I had to follow up for a few steps, fine; however once I received the estimate it was my duty to find a repair shop that worked with FL. I was told “no” by 14 repair shops! I called FL for assistance, asking if they have a list of locations in my area that accepted their insurance and I was told “we’re not allowed to tell you that”. What?! So I tried a 15th shop and they actually accepted FL except I had to call back in 3 months when they might have openings to fix my car.
I decided to call my insurance to take care of the claim since it was officially declared at fault by the FL driver. It’s going to cost FL way more than the estimate they initially gave me doing it through my insurance. Awful company! Low cost = awful service. I can’t imagine how crappy they are toward their own clients if they won’t even do their job to get cars repaired caused by their drivers.