Fred Loya Insurance
Fred Loya Insurance Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Fred Loya Insurance reviews show a 1.5 star rating from 91 customers and 33% would recommend; overall sentiment is mostly dissatisfied with frequent claims delays and service breakdowns.
Key Takeaways for Future Customers
- Expect long wait times and unclear claim outcomes when researching Fred Loya Insurance.
- Be prepared to follow up persistently on billing, refunds, and cancellations.
- Shop alternatives if reliable 24/7 roadside or claims service is important to you.
Negative Feedback / Risk Areas
- Frequent customer complaints about denied or delayed payouts and poor claims handling.
- Unresponsive 24/7 phone lines and roadside assistance failures affecting emergency help.
- Billing and refunds problems, difficulty canceling policies, and perceived predatory practices.
Positive Feedback
Some customers cite friendly agents and perceived good deals, but positives are outweighed by service and claims issues.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Fred Loya Insurance reviews show a 1.5 star rating from 91 customers and 33% would recommend; overall sentiment is mostly dissatisfied with frequent claims delays and service breakdowns.
Key Takeaways for Future Customers
- Expect long wait times and unclear claim outcomes when researching Fred Loya Insurance.
- Be prepared to follow up persistently on billing, refunds, and cancellations.
- Shop alternatives if reliable 24/7 roadside or claims service is important to you.
Negative Feedback / Risk Areas
- Frequent customer complaints about denied or delayed payouts and poor claims handling.
- Unresponsive 24/7 phone lines and roadside assistance failures affecting emergency help.
- Billing and refunds problems, difficulty canceling policies, and perceived predatory practices.
Positive Feedback
Some customers cite friendly agents and perceived good deals, but positives are outweighed by service and claims issues.
Media from reviews





Haven't gotten my claim yet
- - Insurer refuses to payout after the driver's company paid the claim.
- - It's been over two years and all required information was provided.
They're refusing to payout my claim, even though it has been paid out by the drivers company that hit me. It's been over 2 years , I have given them all of the information needed and they still aren't paying my claim.
User's recommendation: Buy cheap insurance and get cheap service
They are refusing to payout my claim
- - Company lied about what I said; I'm pursuing small claims.
- - It was my first accident; I asked who to contact and they haven't reached the other insurer.
I've been contacting this company for the last two years. They lied and said that I told them that I was driving for a company that I was an independent contractor for.
I did not. It was my first accident ever, so I called them to ask if I was on the app at the time who should I contact first, them or the companies insurance. I was unsure at the time if the app was in use. They claimed that I said that I was on the app.
I have given them the information that they needed to contact the other insurance company to prove that I wasn't on the app. They still haven't done so, as I just spoke with the other insurance adjuster today.
I have listed them in my Google reviews and the views are climbing. I will be processing a small claims suit this week as well.
User's recommendation: When you get cheap insurance, you get cheap service.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Really ZERO!! NO AGENT IS AVAILABLE IN ACCIDENTVLAIMS 24/7 LIKE YALL FRED LOYA CLAIMS!!!
I had an accidentalmost 3hours pm agoand no one Isavailable tootakemyclaimlikeyall FREDLOYSCLAIMtobe
User's recommendation: If you have an accident after 6pm they claim to be available 24/7 for claims @ when u call the # they say are CLOSED!!
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerInf para añadir un vehículo a mi aseguranza
No me resolvieron mi llamada{{Redacted}}
User's recommendation: Mala
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Won’t accept fault in accident
- - Crash in Socorro while I was en route to pick up my son.
- - Police and TXDOT report the other driver is at fault; Fred Loya says they must contact them.
This *** crashed into my vehicle while I was on my way to pick up my son from the Socorro area. Now Fred Loya is telling me even though the the police report states the driver is at fault they need to contact the driver.
Theyve been trying to contact all policy holders and of course they are dodging the calls. Now FRED LOYA insurance is saying g they most likely wont cover my loses because they cant get a hold of them even though theres a txdot report putting them at fault and police report and my insurance. FRED LOYA Insurance will literally go through hoops to not pay out when their customer is at fault.
F Fred Loya car insurance. F the driver of this car and the policy holders that are purposely trying to avoid the consequences of their bad driving.
- Every where on facebook people know theyre crooked
Preferred solution: Accept claim and pay my losses
User's recommendation: Hire a lawyer if Fred Loya is the insurer’s company when they cause an accident.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerHorrible customer service
- - The 24/7 line never answers.
- - I do not recommend Fred Loya due to poor, unhelpful service.
I keep calling their 24/7 customer service number and no one picks up. I work the same hours so I can't call during the hours they are open.
It's frustrating because it feels like there's no one to help. Other insurance companies have 24/7 customer services and they pick up, like come on now.
I do not recommend getting Fred Loya, they will not help you out with your needs and they beat around the bush when they actually pick up. Sadly, they have horrible customer service.
Why did my rate go up
- - Rates are high and unfair to raise safe drivers' rates due to neighborhood accidents.
- - Rates should be based on driving record, not residence area.
Your rates are high. I don't think it is fair to raise up rates for safe drivers just because the other drivers in the neighborhood are causing accidents.
Rates should be determined by one's record not the area where one live. Not everyone can live in a certain neighborhood in order to get low late because that area has a limit on the number of people who can live there.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerBeen on hold for 20 minutes
- - Unable to cancel policy; kept being transferred.
- - Office visit required; cancellation not reflected; DocuSign down.
IOn the phone currently being passed around trying to cancel my policy. They will not cancel my policy and are requiring that i step into the officethe amount of inconvenience added to a $3000 deductible doesnt work for me their docusign is down is not my problem.
Ive already cancelled it out they said it wasnt cancelled!!! The screenshot is my third person ive been passed too and currently holding
User's recommendation: I would never ever
My issue hasn’t been resolve
- - Car in the shop since Nov 1 and now ready.
- - Fred Loya delayed the check; mailed on the 12th, not arrived, and they aren't answering.
I have my car in the shop since Nov 1st , my car is ready, and Fred Loya didn't send me the check fast enough , first they blame it in the shop , now the shop is ready, and according to them, they send the check in the 12th , is BS , that check hasn't arrived and its so inconvenient being without a car. Now they're not answering, its so frustrating , if you can take your business somewhere else because they don't care about their customers, to charge and even withdraw money out of my account for that they're really fast
Carta de experiencia
Pésimo servicio más de 40 minutos esperando para que tomen la llamada y para que te digan que no pueden solucionar nada es demasiado la verdad muy mala experiencia
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerLogin
- - Login shows not registered.
- - Needs explanation of not registered and how to register.
- - Used to log in before.
- - Wants next month's payment amount.
I try to log in to my account and it tells that its not registered. What does that mean and how do i register.
I used to be able to get in before. I want to check what my payment amount will be for next month
Preferred solution: Information
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerUnprofessional business practice
- - A Fred Loya insured was at fault in a collision that totaled the other car.
- - Fred Loya has not acted or provided a temporary vehicle.
Absolutely not
Fred Loya has yet to take any action what so ever. Fred Loya has all necessary information to at least provide a temporary vehicle for the non liable person. Fred Loya has not been willing to provide any assistance, but instead appear to be stalling. This is an issue that should not be acceptable.
We will pursue every option available to assure that this doesn't happen to anyone else. Also for anyone that is interested in using Fred Loya insurance, I would seriously advise against it.
I would liking this company as a sham. Be very aware.
User's recommendation: Be very aware. I advise against using Fred Loya services.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Claim’s Problem
- - Daughter rear-ended by a Fred Loya insured driver; fault 100%.
- - Claim submitted 5/5/24; no communication, no clear vehicle value, and no rental.
My daughter was rear-ended and hurt by a Fred Loya insured. It was 100% his fault.
We submitted a claim on 5/5/24, and the total loss department has been a complete nightmare.
There's been no communication and no clear clarification on the value of my vehicle. They have not provided a rental vehicle.
- Customer service
Preferred solution: Claims help
User's recommendation: Do get hit by one of their drivers
Insurance Expert Talks
They suck!!!!!
Not enough space to really let you know what I think..$865,?$$;/.,)&&bvgujnm bcc. Hjkbvcx bjjjnkmvcd
This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ
Verified Buyer |This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerElapse insurance policy issues
- - I paid on the 1st and was told it covered until next month.
- - 06/26 I was told the policy had elapsed with no grace period.
- - I request reversal due to miscommunication.
67 5********
We have paid at the 1st of the month and was told that as long as we pay by the first of the following month we were ok. I got phone call from local office 06/26 telling me my auto policy was elapsed?
I was told today the last month of policy no grace period. I say nonsense and this was never explained to me. I need this reversed due to it wasnt my fault, due to the wasnt communicated to me or did any one call to explain before 06/22?
I still have same payment date the 18th? Thank you for your help!
User's recommendation: Nope
Towing
Called the 24/7 towing service center for Fred loyal and the told me they couldnt help me because they were not associated with Fred loyal! I have been trying to get in touch with them for sometime now and I had no help or luck nor did they provide me with someone who could help!!!
Preferred solution: Numbers for the services I need when the office is closed
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