Fred Loya Insurance Company would not cut check to auto shop, they made it out to me and finance company and said that salvage parts had to be used to repair the vehicle from either Rio Grande or A1 Salvage. Albuquerque, New Mexico

I was conned into this company by my husband who said..."Let's support someone local". Not that they're really local anyway, but he's always out to help the little guys. Trust me lol...He's really happy with me right now ;)

Buying from an auto insurance company that is a mutual insurance company (one owned by its policyholders) is usually a cheaper and better idea in the long run that going with lesser known non-national insurance companies as this one purports to be.  Frankly, I have never heard of it. 

I would recommend buying a policy from State Farm or Allstate Insurance, then if you have renters insurance or homeowners insurance later, you can save more with discounts.  They also have Safe Driver Discounts, Accident-free discounts, etc.  and their insurance has longevity build into the policy (the longer you keep it, the cheaper it becomes).  I started my State Farm policy at 18 and still have it at 63 and pay between $50-60 a month. 

Loya had the 10th-most complaints among Texas auto insurance providers last year, the agency's data show.
It had the second-highest complaint rate among the largest insurance providers, those with at least 200,000 auto insurance policies in force in Texas, an El Paso Times analysis of the index data found.

They care nothing about you - they only care about cash - File a complaint with you State Insurance Agency asap!