Fred Loya Insurance, A.K.A. Loya Insurance Company, is the worst insurance agency I have ever dealt with. I should have been more prepared for their horrendous customer service after hearing two other claimants complaining about Fred Loya Insurance, A.K.A. Loya Insurance Company, at the repair shop. After hearing what the other repair shop customers and workers had to say about Fred Loya Insurance, A.K.A. Loya Insurance Company, horror stories I was concerned, but thought 'they must have been at fault.' I was sure that Fred Loya Insurance, A.K.A. Loya Insurance Company, was going to work with us, right? Wrong!
My experience with Fred Loya Insurance, A.K.A. Loya Insurance Company, has been so terrible that it makes me wonder if this is standard operating procedure for this entity. Their poor customer service leads me to wonder if, Fred Loya Insurance, A.K.A. Loya Insurance Company, automatically denies certain claims in hopes that they won't be fought in court. Think about it. If Fred Loya Insurance, A.K.A. Loya Insurance Company, denies most every claim for minor fender benders, relying on the fact that court action might not be worth the trouble to most, they might save a great deal of money.
If this is true Fred Loya Insurance, A.K.A. Loya Insurance Company, doesn't that mean they are breaking the law?! Fred Loya Insurance, A.K.A. Loya Insurance Company might be gambling that their legal fees, in possibly handling those few who take the time to go to court for smaller claims, could be less than actually subrogating in a just manner. The math could work out for Fred Loya Insurance, A.K.A. Loya Insurance Company, if it's done often enough.
Fred Loya Insurance, A.K.A. Loya Insurance Company, might end up paying a little more in legal fees, but most accidents, which are mere fender benders, can be denied knowing that many won't fight their corporate greed. Fred Loya Insurance, A.K.A. Loya Insurance Company, could possibly save much more than they spend on lawyers in the long run if this is what they are doing.
What's even scarier is that Fred Loya Insurance, A.K.A. Loya Insurance Company, does a great deal of business with the Hispanic community. Are they preying upon undocumented immigrants in the same way? What if Fred Loya Insurance, A.K.A. Loya Insurance Company, denies the claims of undocumented immigrants in hopes that any involved in an accident would be too scared to go to court to get the issue resolved? If Fred Loya Insurance, A.K.A. Loya Insurance Company, treats undocumented immigrants in the same way my family has been treated then I can see them raking in the cash off the backs of poor Hispanics.
In our case Fred Loya Insurance, A.K.A. Loya Insurance Company, placed every hurdle possible in front of us to discourage our efforts to resolve our claim and recover our damages. Fred Loya Insurance, A.K.A. Loya Insurance Company, denied our claim before getting the police report. Even though the insured lives in San Antonio, the claimant lives in San Antonio, and the accident happened in San Antonio, Fred Loya Insurance, A.K.A. Loya Insurance Company, assigned someone in McAllen, Texas (258 Miles away from San Antonio) to handle the claim.
Imagine if this happened to some poor immigrant who had no idea what rights were available to them. Fred Loya Insurance, A.K.A. Loya Insurance Company needs to do better.in my opinion people should never, never, never, do business with Fred Loya Insurance, A.K.A. Loya Insurance Company, unless you are hit by one of their insured. And if that is the case, I feel your pain. Know your rights.in Texas the agency involved in filing complaints is the Department of Insurance, (main agency info 800-578-4677) (consumer complaints 800-252-3439). I called them and will file my complaint tomorrow. Also, don't be afraid to sue their ass off. Can you say class action?! My guess is that what is happening to my family occurs more often than people think it does. Avoid Fred Loya Insurance, A.K.A. Loya Insurance Company at all cost.
Don't Use Fred Loya
San Antonio, Texas
U.S.A.
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