Thank you Larry for the advice. I am having similar issue. First I called Fred Loya and they said the person did not have insurance. Loya calls back about a week later and asked about the accident. They finally claim liability 17 days later and do not look at my car until approximately 30 days after the accident. I was told they are only paying 7 days rental and the vehicle is still not repaired (waiting on parts). The adjuster even told me that the repairs were MY responsability even though I was rear ended and their policyholder was charged AND they claim liability. Body shop and rental car company said this outfit is their worst nightmare. I've exhausted all options and Loya is being unreasonable. I'm left with no option but to see legal action.