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  • Report: #1105492

Complaint Review: Fred Loya Insurance

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  • Submitted: Mon, December 09, 2013
  • Updated: Mon, December 09, 2013

  • Reported By: Norlica60 — Houston Texas
Fred Loya Insurance
Houston, Texas USA

Fred Loya Insurance Fred Loya Thieves! Victim of Fred Loya Insurance Bath Faith insurance Practices Houston Texas

*Author of original report: That's not the case here

*General Comment: Exclusion...

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I have been a custumer of Fred Loya Insurance for over 11 years, They have never paid me a claim, they renew policies automatically and take bank draft payments from my bank.  

I had insured several vehicles with them, and they never paid none of my claims when my vehicle has been involved in an accident, which I had two accidents only and they declined my claims for bogus reasons.  

On June 2010, my jeep was involved in a rear end accident hit by someone else but it was being drive by my son in law, which by the way has a texas driver license.

 I went to Fred Loya office and explained what happen, they told me that my son in law was "excluded from my policy" so they will not cover any damages, fortunatelly I had to the money to fix my car.

 But the same day I requested Fred Loya employee a lady named Adriana, to remove all the exclusions in my policy, they had in their exclusions several people including my minor children that were 15, 11, 6 years old, they had excluded my oldest daughter and my oldest boy whom are licensed to drive in Texas, but also they had other people that does not live in my property and a guy that has been dead since 2006.

 I requested that lady Adriana to remove all those exclusions from my policy, as it is against the law to have kids under the age of 15 excluded from an Insurance Policy.

 She told me she did it and made me sign in a machine they used to have connected to the computer, but at the time that I requested copies of what I had signed she told me her printer wasn't working that she will mail the changes just made on the policy and she was sorry for her printer not working,

I have a witness on this transaction that will come to court to testify about this specific issue with they way this company operate their business, as this employee maliciously performed an action against my insurance needs and favorite her employer Fred Loya Insurance.  

The only times that I have been forced to go to their offices in person its when I had the need to make changes, as they do not do anything on the phone, and I believe that is the trick they use to harm people, they make you sign documents without explaining customers of they are signing,

they do not disclose to customers coverages as PIP and IUM, as they do not want to be responsible in case of an accident to pay for what customers are paying for,

they do not explain customers about their way of applying exclusions to your policy and how that may affect you directly in case of an accident.  

They act maliciously and knowing and willfully aware of what they are doing to denied claims in case of incidents.  This past June 2013 I did some changes of my policy, as I removed a vehicle that I was only paying for Liability,

and add a vehicle that needed full coverage, collision and comprenhension and liability, I made sure I told the lady that helped me that everything else will stay the same in my policy including the "no exclusions" have to be in effect.

 She said yes, everything is in place, gave me only the new insurance ID card, it was about the time they close, on a Saturday, I needed the vehicle to be insured and did not have time to shop somewhere else,

unfortunately my car was involved in a car accident on November 30, 2013, it was being driven by my son who has a driver license and not supposed to be excluded from my policy, as since day one when I became their customer I made emphasis that I needed and was shopping for a policy with "No exclusions",,

I am the customer, my car is insured, and now after being paying Fred Loya more than $20,000.00 in insurance since 2002, they are telling me that they are simply not going to pay my claim, neither for rental towing or storage, because my son is excluded from my policy.  

They denied claims cold turkey, without even doing an investigation, and now here I am ready to file a law suit against these thieves.  Fred Loya train their employees this way, and their employees know what they are doing in order not to have valid claims paid by this company.  

They have been sanctioned already here in Texas for practicing Bad faith insurance actions against, consumers, and the sad thing is that they defend their self telling you well that employee its not longer working for Fred Loya,

and its nothing I can do for you now, we have your signature accepting our policies and that its our defense, but they don't admit how they engaged in bad insurance practices, and how they are harming customers all over the nation.

 I am ready to file a lawsuit against them, that its going to cost me money as those cases are not handled by lawyers on contingency basis, and I am filing against them with the BBB, Texas attorney General, and TDI,(Texas Department of Insurance)..

 If you are a victim of Fred Loya bad faith insurance practices, please contact me, so we can file a new class lawsuit against this company as all they do is ripp off people, and they have to stop.


This report was posted on Ripoff Report on 12/09/2013 07:15 AM and is a permanent record located here: http://www.ripoffreport.com/r/Fred-Loya-Insurance/Houston-Texas-77084/Fred-Loya-Insurance-Fred-Loya-Thieves-Victim-of-Fred-Loya-Insurance-Bath-Faith-insurance-1105492. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
1Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Author of original report

That's not the case here

AUTHOR: Norlica60 - ()

This is not the case here, because they exclude everyone that live in your household regarding the age, and they maliciously do these practices, this is not the first company I buy insurance from, and I can prove my point with my complaint.  Fred Loya is a ripp off company that has violated the insurance laws not only in Texas but other states of the Nation.  They lie, they hide information to customers or prospective customers just to get peoples money.  They also advertise as no down payment, low rates and that is a big lie.  They have to be out of business, and stop ripping off people.  I have the impression that you may be one of their long list of crook employees.

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#2 General Comment

Exclusion...

AUTHOR: Tyg - ()

 For ANY family member to be INCLUDED on your insurance they have to get the personal information of that individual. As you stated they do NOTHING over the phone, did you take these family members into the offices and give the insurance carrier the information needed? If you did not do this, then the word your looking for is "Not included". This then means that ONLY the people NAMED on the insurance would be covered.

This is a very common practice with insurance companies. When you give this information to them and they are added to your insurance, your rates tend to climb as each peson added adds to the total amount of the bill. I would say go ahead with the lawyer, but if you did not do what would be considered your "Due Diligance" by giving the insurance company that information, then the insurance company can claim that they could not included the drivers requested due to the proper proceedure not being followed.

Good Luck

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