Fred Loya Insurance Fred Loya Makes Claim to be Courteous and Fair: Justice nor Courtesy did I get! ripoff Amarillo Texas

Happy ex-employee wrote: "first and fore most fred loya insurance doesnt offer a rental, they give you wat they call a loaner car,"

Actually, No insurer is required to provide you with a rental car. The law requires that they compensate you " the claimant" for the "loss of use" of your own vehicle while it is repaired or otherwise un-driveable due to covered loss caused by their insured. This is commonly done through the use of a rental vehicle. You are not required to wait for them to provide you one when their insured is at fault. All you have to do is go rent a vehicle and keep the receipts so you can submit them for re-imbursement in your claims process. In fact, even if you do not get a rental car at all, you are still entitled to monetary compensation for the loss of use of your vehicle in addition to any damages for with the other party is liable.

Some Insurers will arrange the rental vehicle for you as a courtesy and will even accept a direct bill from the rental car company so you are not out of pocket and waiting for reimbursemt, But remember this is a courtesy and is not required by law that the insurer do this.

take care and good luck

Hello Andy

First let me say that I am a Licensed Independent General Insurance Agent in Texas. I do not work with Fred Loya's Insurance Co. I know better! Their reputation here is,,.. Shall we say "Not Stellar" In the Insurance industry.

I agree that you were totally mistreated. Loya's Insurance claims department should NOT have referred you back to your own Insurer. They should have calmly and courteously taken a loss report and assigned a claim number to it.

As to Jim's statement of .. "Thats how insurance works" is just laghable. I truly hope Jim is not engaged in the business of insurance.

Although you "May" choose to seek a loss compensation from your own insurer if appropriate coverage exists on you own policy, you are under no obligation to do so.. It is always preferential to file a claim first with the insurer of the responsible party. filing it with your own insurer should be a last resort.

You should also File a complaint withe the Texas Department of Insurance. They take these things seriously and love to come down on insurance agents like a Hammer.

BTW: You also have the right by law to use whatever repair facility you choose. and I recommend you do exactly that. In my opinoin it is un-ethical for Loya or any insurer to encourage you to use a facility that is in bed with the insurer paying the bill. It is a crime under Texas Insurance Code to require, intimidate or threaten you into using their own chosen repair facility. Remember it's your choice.

Good luck

first and fore most fred loya insurance doesnt offer a rental, they give you wat they call a loaner car, only if you agree to have your repairs done at one of the locations that they prefer, a location known to them as a "DRP"(designated repair program). they have several location and they actually prefer you go there because they deals set up with with bodyshops to give them business and fred loya doesnt have to pay the as much as they would elsewhere because there at these DRP's they use wat are "cost effective part," which means if you take your cadillac to fix there they dont use cadillac parts on it, they use their own. i worked for fred loya for some time and noticed that the adjusters low ball the claims so that at the end of the month they can get thier little bonus and the claimant get stuck with a half way fixed vehicle. they ocasionally do agood job and pay out a fair decent amount on SOME claims but rarely.

i've noticed that if you go to the office were you started your policy with fred loya, and you go in to make a claims they are hesitant to help you. i'm not allowed to say how much they get paid but ill just say that every customer that goes in to that office can greatly effect the outcome of the agents income if they file a claim. claims hurt the company, they dont like claim, and if you file a claim guess wat there not gonna like you, i sure hope i never get hit by a loya insured, i know how long and stressful the process WILL(not probably) take to settle the loss.

AGENTS NEVER EXPLAIN THE POLICIES THEY SELL, "FULL COVERAGE" YEA RIGHT NOT WITH FRED LOYA, THEY EXCLUDE EVERYONE AND THEIR MAMA'S. IF YOU DO HAVE A POLICY WITH THEM JUST GO INTO THE OFFICE AND ASK FOR A COPY OF YOUR "515a" THIS LIST IS A LIST OF EVERYONE WHO IS ....NOT.... COVERED IN CASE THERE ARE INVOLVED IN A ACCIDENT. I WAS THERE FOR OVER A YEAR AND I NEVER SAW A LIST WITH NO LESS THAN 10 PEOPLE, THEY DIDNT EVEN PAY A COMPREHENSIVE CLAIM BECAUSE AND EXCLUDED DRIVER WAS IN THE DRIVER SEAT.


BUT THEY DO OFFER REALLY GOOD RATES!!!

GOOD LUCK !!!!!!!!



BE CARE FULL

AND READ WAT YOU SIGN!!!!!

Filing with your insurance is usually the best way to go, unless the other person has good insurance. I was recently rear ended by a Loya driver and the impact knocked me into another car. After reading all of the stories on this website, I am absolutely terrified and so grateful i filed with my own insurance.

Who knows how long it would have taken me to get into a rental if i had filed with Loya. I think as a general rule it is best to use yours because they care more about keeping you as a customer so they will probably work faster in your best interest. Things from my accident still haven't been settled. Medical issues and damage to my laptop are things I intend to address, but I think I should seek legal advice after reading all of this. Allstate settled my car and if they hadn't, I believe Loya would have appraised it much lower than its true value, especially since it was a total loss.

I cannot speak about laws from other states, but since Loya is so big in Central and South Texas, definitely file with your insurance first.

I have worked in the Insurance Industry for over 7 years and Jim's response is incorrect. You are not always supposed to file with your own insurance company, that depends on the state you live in and their insurance laws.

You are supposed to file the claim with YOUR insurance company, who, in turn will file a claim against the other insurer. Your insurer will usually pay for the repairs and be reimbursed from the other insurer at a later date. I believe this is referred to as "subrogation".

They were rude to you because you were supposed to be dealing with your insurer, not them. Your insurer will deal with them. You only hurt yourself in these situations by trying to do it yourself. Let your insurer handle it, they are much more skilled at it.