Fred Loya Insurance is a rip off artist.Even to their own employees and own insured.
Do not use them - cheap is cheap - you get what you pay for and with Fred Loya that is nothing but trouble. They do not pay claims, the have "creative" claim practices which are unethical. My son was hit by someone carrying their insurance. They are only paying 80% of the claim, from rental insurance to the repairs because they assessed that he is 20% at fault, although he did not receive a ticket or was in no way found at fault by the law.
We we are out thousands of dollars because of their creative practices. Their response - - Sue us, here's our address to the legal department. Don't know about you, but I usually don't have extra thousands to pay an attorney up front to file a law suit to get a company to do what is right. I may have to come up with it now, though.
I researched and found out their practices through and through are alarming. Do not work for them, do not gain insurance through them and hope no one hits you that is covered by them!
I am writing the State Board of Insurances now to file a complaint.
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