Fred Loya Insurance the Master Fred Loya Scammers on the Public Fred Loya Insurance has ads on TV every hour how cheap they are, they don't pay claims....and go unchecked by the dept of insurance because they are mexicans and minorities insuring DWI convicted people and then not paying the victims Houston Nationwide

in Texas - research it.  They cater to Spanish speaking individuals regardless of status (usually illegals).  Jim research it!! I live in this State and hopefully will never be in an accident with this sham of a company.  

The purpose of an insurance company is to make money.  The local agent isn't the insurance company, he's just the person who sells it for the insurance company.  They make money in part by doing anything they can to legally avoid paying claims.  Their adjuster works for the insurance company and his/her obligation is to those who pays the salary and NOT to you.  A smart consumer hires their own adjuster who works off a percentage but more importantly, works for you.  Your adjuster then battles it out with the insurance company so you are made whole after your loss.