FRED LOYA RIP-OFF?

I have fred loya and my 17 year old was driving my car wich is insured under my name.I have full coverage, now when the accident happened was when a pissed off driver cut infront of her and slammed the brakes.There wasnt any stop signs no traffic lights just road.Well she ended up hitting the pissed off driver.Now my insurance wants me to add my 17 year old to the policy and they want me to pay $250 to add her to the policy, they stated if i dont they will cancel my insurance also keep in mind that she doesnt have a license at all.

Is this normal on the Insurance Laws or am i being ripped off.

Comments (18)

1. Written by joe blow on the back burner, on 25-09-2009 13:40 your stupid!!! what is she doing driving with out a license anyway! ha your the fault DAD. Report

2. Written by Michaela AKA the fun police, on 19-09-2009 23:36 get over yourself, man! Report

3. Written by Michaela AKA the fun police., on 19-09-2009 23:33 C'mon...REALLY??? SWEETHEART, YOU NEED TO GET A LIFE & QUIT *** ABOUT STUPID *** UR DAUGHTER OR WHOEVER DOESN'T HAVE A LICENSE & WAS NOT EXCLUDED FROM THE POLICUY...LAW STATES THAT THEY CAN ADD THE PERSON & ADD POINTS FOR AN AT FAULT ACCIDENT & REMOVE DISCOUNTS, IF YOU WANNA BE TECHNICAL! AS FOR THE MORON "MARTINEZ" THAT WANT'S TO FILE A CLASS ACTION LAWSUIT...IF YA FEELIN FROGGY, LEAP...BAD BOY!!! (OR GIRL) HE GOES BY THE BOOK & EVERYBODY WILL HAVE A COMPLAINT WHEN SOMETHING DOESN'T GO THEIR WAY, BUT YOU ARE BEING ABSOLUTELY RIDICULOUS!!! QUIT TRYING TO MAKE A QUICK BUCK & GO OUT & GET A MUTHA EFFIN JOB & DEAL WITH LIFE...INCASE UR MOMMA & DADDY DIDN'T TELL YA...LIFE ***, DEAL WITH IT!!! IF I CAN...ANYONE CAN!!! Report

4. Written by nunya, on 17-09-2009 16:33 They suck....flat out suck. They don't want to even cover the medical portion of my claim. THEIR driver hit ME. Expenses exceed 10K and they offer less than 3K????? WTF. Yes, I will be suing their ***. Report

5. Written by Been Around, on 09-08-2009 11:19 Some of you know what you're talking about; most of you don't. Young drivers are high risks for insurance companies, so companies charge higher premiums to insure them. If the policyholder does not want to pay the extra premium, the company will exclude the young driver, which means that if that driver has an accident, there will be no insurance available. It should be no surprise to the policyholder, however, because to exclude the driver he or she has to sign an excluded driver endorsement. If an insurance company does not know about a young or risky driver, and that driver has an accident, the company has to handle the claim. It cannot deny coverage because the driver was not on the policy or because he or she was not licensed. However, you can bet that from that moment forward, the company will take steps to avoid this situation occurring again. This complaint was about paying extra premium, not about coverage being denied. As I see it, coverage was not denied. Report

6. Written by insurance, on 07-08-2009 01:26 It's is your responsibility to add or exclude all housemembers in your household. The insurance shouldn't cover them but since they are not flat out canceling policy they might have to cover the accident since your daughter was probally found at fault. And they have to use your liability to pay the other driver's damages, they probally won't your vehicle so be thankful for that. At least. Report

7. Written by gcuevas, on 23-07-2009 02:05 Sorry elementary school next time keep that *** to yourself Fred Loya is a great Insurance company ignorant people like you talk before they know the facts Fred Loya should sue you for your ignorant comments Report

8. Written by gcuevas, on 23-07-2009 01:59 you stupid ignorant *** add her next time to the policy are you that stupid WOW did you finish elememtary Report

9. Written by Brian Dallas, on 21-07-2009 20:51 So you want your insurance company to pay claims without yourself paying premium for someone driving your car? She would not have to be added to the policy if she hadn't caused an accident. If you say she is not going to drive the car, then simply sign the exclusion form saying she won't. My assumption is you don't want to sign the exclusion because she IS actually driving your car, as evidence by her wrecking it. A young driver on the policy is a huge risk for the insurance company, and therefor YOU should be paying for it, not me! Report

10. Written by martinez, on 01-06-2009 11:19 ANYONE OUT THERE PLANNING A CLASS ACTION LAWSUIT AGAINST FRED LOYA INS. PLEASE E-MAIL ME. @ blanca@welmakerlaw firm. com Report

Comments on FRED LOYA RIP-OFF?
Consumer Forum is another great place to discuss consumer concerns NOT RELATED to this article.
Name:
Comment:
Code:*
	I wish to be contacted by email regarding additional comments