Fred Loya Insurance
reviews & complaints

I was involved in an accident in which one of Fred Loya's customer was at fault. I filed the claim with Fred Loya and the service i got from the people that worked there was just horrible, so unprofessional and disinterested. After filing my claim i called back to get an update and i was told that i was going to get a call as soon as they had any new developments on my claim. A few days passed by and i did not get any calls from them so i called back and the claim person Steven Bais told me that my claim had been denied a day after they had assured me that they would inform me of any developments if any. Not only my claim was denied but then claim representative did not bother to inform me. When i asked the guy why i wasn't informed he had said that a letter was sent out by mail. What kind of service is that? isn't a two minute call a better choice? He also did not give me a good explanation about why the claim was denied. This is horrible service when their customer even got a ticket from this incident. So here i am without a car to make it to work and waiting on the police report to demand payment. HORRIBLE SERVICE AND HORRIBLE HORRIBLE MANAGEMENT.

I was involved in a car accident. The person that caused the accident was insured by Fred Loya. He has admitted fault in the accident. They are also admitting liability but refusing to pay for the full amount of damage to my vehicle. They are stating that because I lost control of my car that they will only pay for 80% of the damage. I find this to be insane. If I was at fault I would pay the damages.

This company *** I do not understand why this company announce their services in a christian radio. Recently had an accident and this company lied to me, they are unethical and really hate companies that lie to you!

I am sick of these people! fred loya insurance ***! Living here in texas *** sometimes becuase then you have companies like these that lie to you or doctors at hospitals that don't know how to do their jobs! I have never had problems with other insurance companies but just this one! How can the world change if you have people that work in companies where they are unethical and all they care about is your dam money!

I have had this insurance for only a little over 30 days and boy have i had major issues. My husband & i went down and got insurance through these idots and no one there speaks or understands good english. I have been drafted before my due date which has made me late with my rent and now i have a late fee for that. I then called the 800 number for the main office and all i heard was i do apologige but we signed for it to come out on that date. the papers that i have and from my knowledge state that the pmnt is to be drafted on the 11th of each month. Once i asked for a supervisor i was placed on hold for forever i assume " waiting for me to hang up". When the supervisor came on the line i explained the problem and was interrupted about 5 times before i could explain the entire situation. She then told me that they do it 5 days before to ensure that they get their money. BS lady, i have never known a company to do such underhanded business like this one. If u tell them the due date is 1 day then that is when you need to take it out. I have late fees for other things due to this issue and have been given the BS excuses too many times to keep calling. STAY AWAY FROM THIS COMPANY. This is not the end of the stories that i have to tell but i wont waste that much time talking about this peice of s*** for a company. They lie, canive, and are all for themselves.

Don't ever go with Fred Loya insurance.

We were charged twice in two weeks for our first month of insurance. This wasn't too bad except that we were never told it would happen.

So when we decide that we'd rather just cancel our policy after having to deal with the atrocious customer help it turns out they won't even be mailing the check for our prorated payments until 30 days from the day we canceled.

They took out 330 dollars, then 2 weeks later another 330 dollars for our 3 vehicles. We canceled our policy and had to pay out another 345 for an honest insurance dealer to get our policy started with them. I've had to pay over a thousand dollars this month for insurance thanks to Fred Flintstone Insurance. Oh, and to add insult to injury they're charging us 70 dollars to just cancel our policy.

I hope Fred Loya burns in hell.

Over the last 24 Hours, I have recieved OVER 15 phone calls from a Houston-based Fred Loya office. Even thought my voicemail CLEARLY states that they have reached MAGGIE, they continue to leave messages for a Mr. Arayllo (or something). I have told 3 separate employees to stop calling me, that Mr. Arayllo obviously was mistaken on his phone number, and still the phone calls keep comming.
What concerned me the most was that went I said I would be making a formal complaint, the guy on the phone seem as though it was par-for-the-course.
Aparently complaints are part of Fred Loya's day-to-day.

Several people have posted here saying that you should avoid having anything to do with this piece of crap Fred Loya. I wish I could, but I was rear ended in a multi car pile up by a Fred Loya insured. Nobody including my insurance company had ever heard of them and they are located in El Paso. Just my luck, no fault of mine, but have to deal with this filth to even cover my deductible for the damage. They stall and delay for everything even though I provided info on every driver and the details. In fact they encourage you to sue them!

Good luck if you have insurance, I doubt anyone who even googles fred loya, would ever buy anything from them. Hard to believe, but, they are still in business. I will complain once my claim is paid off or if it is delayed for too long.

I think they specialize in 'insuring' illegal immigrants with minimum required by the state and count on you try to sue them to get any claims. just horrible piece of crap these folks are.

Today I got fired from Fred loya because I told the truth about my manager taking money from the deposit. The ones who lied and acted like they didn't know n e thing are still working for the company and they told me that firing me was in the best interest of the company, ha if they only knew that those people lied to them TWICE! Anyone who is insured by Fred loya please DO NOT get into a car accident because they will find any excuse not to cover your claim! RUN! I think this is a very unfair company and they don't care about their customers nor employees!

I tried to cancel my policy with Fred Loya Insurance. To my knowledge it was done. But the next month it was drafted from my account again, putting me in the negative. Now in order for them to credit my account, i have to *** work, go to the bank to get a statement, and fax it to their stupid corporate office to prove to them that they are idiots. That means i am missing out on more money by having to leave work and cancel my appts. They owe me for two months worth of insurance and instead of just sending a check like i was initially "guaranteed", i have to do all of the footwork for their mistake and they are costing me more money. I will never go thru a smaller insurance company to try to save money again. I strongly urge everyone to go elswhere. Also, the supervisor i spoke to at corporate will not return my calls so i have to deal with someone at a local branch office. Do not get insurance from this company!

We have been insured by Fred Loya for over two years. Yesterday we called them to change our bank draft information for the upcoming payment. They emailed the form and required us to call them back. Today, they have not changed the bank information. We called them and they can't stop the draft scheduled for next Wednesday.We pleaded with them to stop the draft of that account because it will cost us a NSF charge of $35 on top of their payment amount and their fee for the NSF. They can't do it...takes ten days and a form. WE faxed the form yesterday but it did not have both our signatures. She said fax it again but can't guarantee a thing. More than likely the money will be drafted from the wrong bank. We asked them to cancel the insurance, they can't do that either without us driving 100 miles to the nearest office to sign a form. This is ridiculous...what happened to taking care of your customer? From the looks of somme of the these complaints, it is a good thing we were not involved in a wreck with one of their clients or ourselves. WE will be cancelling the insurance one way or another. The staff was not helpful at all...and on top of that, they talk over you...everytime we tried to explain our need, they would interrupt us and talk over us not allowing us to speak. Rude very Rude...I highly recommend you change insurance agents or avoid Fred Loya all together. I will continue to spread the news against Loya from this point forward...I will get the word out...

My daughter filed an auto crash claim with Loya ins, They took the claim and closed it within 3 hours of reporting it to them. They claim that the car was insured, not the driver. So thats the reason they closed it, they also called my daughter and suggested she file a law suit on her own. When we called them they were very rude and refused to listen to reason. When we called for damage estimates, several shop owners refused to give estimates when they learned that they were going to deal with Fred Loya Ins. I have never dealt with anything like this before.