1 /5 Sarah Gonzalez: Horrible Insurance Company – They Ignore Calls and Lowball Estimates!
I was involved in an accident on 2/12/25 where I was hit by a Fred Loya insured, and dealing with their claims department has been an absolute nightmare. The adjuster I was assigned was rude and dismissive the one time I actually spoke with them. After that, my calls were ignored completely.
I had to escalate my case to a supervisor just to get a response, and even then, I only heard back once. After that, they stopped responding as well. I called again, but no one would answer or return my calls. Their voicemail states that they will return calls if you contact them before 5 PM, but that is simply not true. No matter how many times I followed up, they refused to respond.
On top of that, my car has over $8,000 worth of damages, but Fred Loya is trying to lowball me with a ridiculous estimate that doesn’t even come close to covering the repairs. They claim they hit a policy limit of $5,000, but their estimate was even lower than that, meaning they’re not even offering the full policy limit! To make matters worse, they expect me to split that $5,000 with another driver—even though their insured caused the accident by pushing my car into that other vehicle. Instead of taking responsibility, they are trying to pay out as little as possible and make me deal with the rest.
Because of their terrible handling of my claim, I filed a complaint with the state insurance department to report their lack of communication and bad faith practices. They’ve been dragging this process out, making excuse after excuse, and doing everything they can to avoid paying what’s actually owed.
It’s unacceptable for an insurance company to be this unprofessional, unresponsive, and dishonest. If you ever have to deal with Fred Loya, be prepared to fight for every penny because they will try to scam you out of what you’re owed. Stay far away from this company.
