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Fred Loya Insurance

Fred Loya Insurance

www.fredloya.com
What is your customer experience with Fred Loya Insurance?

Fred Loya Insurance Overview

The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.

AI insights based on reviews
Rating Distribution

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.

View full overview ›

Media from reviews

Fred Loya Insurance - Haven't gotten my claim yet
Fred Loya Insurance - They are refusing to payout my claimFred Loya Insurance - Won’t accept fault in accidentFred Loya Insurance - Been on hold for 20 minutesFred Loya Insurance - Elapse insurance policy issuesFred Loya Insurance - I’ve been calling for assistance since 5amFred Loya Insurance - Claim
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Anonymous
map-marker Folsom, California

Haven't gotten my claim yet

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AI Highlights
  • - Insurer refuses to payout after the driver's company paid the claim.
  • - It's been over two years and all required information was provided.
Fred Loya Insurance - Haven't gotten my claim yet

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

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Anonymous
map-marker Folsom, California

They are refusing to payout my claim

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AI Highlights
  • - 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.
Fred Loya Insurance - They are refusing to payout my claim

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.

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1 comment
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Azeta

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
| map-marker Cleveland, Texas

Really ZERO!! NO AGENT IS AVAILABLE IN ACCIDENTVLAIMS 24/7 LIKE YALL FRED LOYA CLAIMS!!!

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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!!

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Ramir Lzb

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

Inf para añadir un vehículo a mi aseguranza

No me resolvieron mi llamada{{Redacted}}

User's recommendation: Mala

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Louise R Bgs

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
| map-marker El Paso, Texas

Won’t accept fault in accident

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AI Highlights
  • - 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.
Fred Loya Insurance - Won’t accept fault in accident

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.

Loss:
$5000
Cons:
  • 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.

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Mariana A Osx

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

Horrible customer service

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AI Highlights
  • - 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.

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Kathyleen Ccs

Why did my rate go up

AI Highlights
  • - 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.

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Mikeyla Puu

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

Been on hold for 20 minutes

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AI Highlights
  • - Unable to cancel policy; kept being transferred.
  • - Office visit required; cancellation not reflected; DocuSign down.
Fred Loya Insurance - Been on hold for 20 minutes

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

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Anonymous
map-marker San Antonio, Texas

My issue hasn’t been resolve

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AI Highlights
  • - 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

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Samira Tyx

Carta de experiencia

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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

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Martha O Iui

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

Login

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AI Highlights
  • - 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

View full review
Vin Dwq

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

Unprofessional business practice

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AI Highlights
  • - 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.
Updated by user Jun 27, 2024

Absolutely not

Original review Jun 26, 2024
A Fred loya insured client with a liability policy was in a collision that is at fault. The Fred loya insured customer totaled the other person's vehicle.

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.

View full review
Jacque B Iva

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
| map-marker El Centro, California

Claim’s Problem

AI Highlights
  • - 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.

Loss:
$10
Cons:
  • Customer service

Preferred solution: Claims help

User's recommendation: Do get hit by one of their drivers

View full review

Insurance Expert Talks

Insurance Claims Tips: What Red Flags to Watch Out

Insurance Claims Tips: What Red Flags to Watch Out

Insurance claims, insurance fraud & why you might need a public adjuster. Watch our video interview with Vince Perri, CEO of Commercial Claims Show, get expert tips on how to file insurance claims and get the settlement.

Read full article
Vince Perri
Vince Perri

Vince Perri is a Expert Claims Adjuster and CEO of Commercial Claims Advocate. He has over 14 years of experience in handling large commercial losses and complex residential insurance claims.

Anonymous
map-marker Denver, Colorado

They suck!!!!!

Not enough space to really let you know what I think..$865,?$$;/.,)&&bvgujnm bcc. Hjkbvcx bjjjnkmvcd

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Company responded
James A Xiu

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 Reviewer

Elapse insurance policy issues

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AI Highlights
  • - 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.
Fred Loya Insurance - Elapse insurance policy issues
Contains 1 confidential file for company representatives

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

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2 comments
FredLoyaIns
Fred Loya Insurance Response

Hello, my name is Yvette De Santiago with the Fred Loya Insurance Customer Service Department. I apologize for any inconvenience we may have caused, as we strive to provide all our clients with the best customer service possible.

We value your input, and would like the opportunity to review your concern.

Please contact me at (915) 444-1059. Thank you

FredLoyaIns
Fred Loya Insurance Response

Hello, my name is Erica Belmontes with the Fred Loya Insurance Customer Service Department. I apologize for any inconvenience we may have caused, as we strive to provide all our clients with the best customer service possible.

We value your input, and would like the opportunity to review your concern.

Please contact me at (915) 444-1059. Thank you!

View more comments (1)
Company responded
Montrell Vgn
map-marker Texas City, Texas

Towing

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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!!!

Loss:
$30

Preferred solution: Numbers for the services I need when the office is closed

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1 comment
FredLoyaIns
Fred Loya Insurance Response

Hello, my name is Maggie Vega with the Fred Loya Insurance Customer Service Department. I apologize for any inconvenience we may have caused, as we strive to provide all our clients with the best customer service possible.

We value your input, and would like the opportunity to review your concern.

Please contact me at (915) 444-1059. Thank you

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