Fred Loya Insurance-Loya Insurance Company poor service, cursing representatives, hung up on, denying claims without investigation, taking advantage of undocumented immigrants, racism El Paso, San Antonio, McAllen Texas

I'm sad to say that the company of interest is Notorious in Texas for "Un-paid Claims". It boggles the mind as to Why Texas allows it to continue to operate. The only way you will get your claim properly processed by this company is to file a complaint with TDI, aka "Texas Department of Insurance". You can do this at their web site, They have an online form for convenience and believe me they do adress each and every complaint they receive.

Typically the Insurer will receive a notice of complaint from TDI within 2 to 5 days of your filing it along with a 10 day response demand from the department. The insurer must respond to the depertment within 10 days of receipt, failure to respond will subject them to hefty fines by the department and possible forfieture of their Insurance License.

As an Insurance Agent I've seen these notices and no agent or adjuster will take them lightly. You will usually receive a contact from the insurer within a day or two of the company receiving this notice from TDI.

I hope this will be of help to you.

First of all, I understand what the claimants are going through. I used to handle claims through this company. First of all, this company is only concerened with getting a quota. They push their employees to obtain a quota at the end of the month. All they care about is closing claims. By closing the most amount of claims, you earn a bonus. At approximately 10 am ( everyday) adjusters ( employees) are required to attend meetings that are held by the managers. The managers were constantly berating us and pushing us to close more claims.

secondly, they require adjusters to make bodily injury offers to people who have been injured in accidents. Usually, these offers start from 50.00 and cannot go over 500.00. It is wise that people involved in accidents hire attorneys or contact their insurance company to handle their claim.

Thirdly, Fred loya insureds cause most of the headaches at our department. when they were in accidents, most of them didn't cooperate with us. We needed to take their statements to investigate and most of the time they didn't cooperate. When they refuse to cooperate it stalls the claim . ( unless there is a police report)

Fred Loya Company is not even helpful to their own insureds. Whenever their insured is an accident, the insureds usually call asking what type of coverages they have or whether Fred Loya will pay for medical bills. The problem most of the time is that these insureds usually get the basic legal liability limits allowed by law. The Fred loya agents never advise them what type of coverages they have or what the insurance will pay for. Insureds call the company and complain. I place the blame on fred loya agents for not providing quaility customers service or training.

Another problem I always encountered was how disorganized fred loya appraisers were. They never go out to inspect the vehicle when they are required to. Claimants and insureds constantly bombarded me with phone calls asking why hasn't the adjuster come out to the facility.

at this company, I saw a lot people come and go. Most of them quit ; others were fired because they didn't play ball . I was fired for expressing my point of view to the manager. ( a male employee was promoted to a position that wasn't posted. even other employees didn't have a chance to apply for it. ) I was happy to have left that company . Im no longer miserable but I was unhappy for being unemployed for a while.

My advise to the people ( consumers or claimants) please call the police when there is a accident. Never admit fault at the scene of the accident; get witnesses ; if your are really really hurt , don't settle your medical bills with them ; call an attorney . Never ever get into accident wiht someone that has fred loya insurance.

You are so correct. I am a former employee of FLI. I was "let go" for doing my job as a licensed adjuster and paying claims fairly; instead of low-balling the settlements. It wasn't so much that FLI wanted us to deny the claim but they did not want us to pay what was fair. Bonuses (an extra paycheck per month) are based on who has the most closures; and the criteria for closures include payouts under a certain amount, for example $2500 for a BI (bodily injury) claim regardless of the injury! It could be anything from a minor soft-tissue injury or a broken bone, we were only allowed to offer $2500! And then we get "financially rewarded" if we do a good job at ripping off innocent victims!

I am a much happier person now that I no longer have to face this crooked company. In fact I collected unemployment for as long as I could (compliments of FLI I won all of their appeals and trust me they appealed each time)! while at the same time attending school so I could get out of the insurance business; after working for this scam artist company I had no desire to work as an adjuster again, even for a good company.

The Claims Manager is Rick Trevino and above him is Edgar Meza; both of whom I feel sorry for their wives because besides being unfair to innocent victims they also cheat on their spouses; everyone at the office knows who they are sleeping with, hence the "promotions". But even that didn't bother me, so what that was none of my business & I could care less. I just wanted to come to work & do my job & go home. But I could not, in good faith & good conscience, rip-off innocent victims. And in the long run I came out ahead for doing the right thing. So thank you FLI!!

I will begin processing for a lawsuit against this company and any individuals who are victims and wish to follow, please email me so that we can finally get the insurance justice that so many consumers have been denied.


Oscar