1 /5 Savannah Williams: If I could give this NO stars, I would. God forbid you EVER get hit by anyone who has this awful insurance. Took almost 4 months to fix my car after getting hit because nobody ever answers the phones, would not get back to my collision center in a timely fashion, and tried to stop covering my rental car 3 times before my car was actually even fixed. If you get hit by someone with Loya, I hope you know a good lawyer. Absolutely the most unprofessional company I have ever come in contact with.