Fred Loya insurance, should be called Fred Lousy insurance. I have never dealt with such an unproffesional group of ###s till I met the employees of Fred Loya. Beware all! This insurance company actually tries to blame the accident on you! when a police report states the exact opposite, when the insured driver states the opposite! On one unfortunate evening I was driving home, minding my own business when another driver decided to change lanes, into mine, while i was still in it. Somehow this accident is my fault according to the brainiacs at Fred Loya. When the one literate agent took time to read the police report, it was no longer my fault for being hit, but for rather not moving out of the way..well of course! ill hit an innocent bystander because FRED LOYA is unaware of how insurance works. So here i wait, a month later, after many calls to Fred Loya and there well educated staff, I have been given 3 different % of whats covered, first 100%, then 60% now 30% and now the checks in the mail after nothing, nada! was ever settled. I think we know where their check is going..