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| - If you pay for this insurance, you should definitely go elsewhere. When a driver ran through a stop sign and totaled my car, the driver repeatedly expressed her concern about how much her insurance will go up being with Fred Loya.
If you have been hit by a driver with this insurance, I feel even worse for you. My situation was so cut and dry (with a witness!!) that the officers on the scene didn't feel it necessary to see a video of the driver admitting her fault. However it has been a month and Fred Loya insurance has done absolutely nothing to help me. Instead they have informed me that they run their own independent "investigations" despite what the police officers, witness, and professionals that deemed my car a loss said. Instead of any type of sympathy after their driver hit me on my side and deployed all airbags, they have harassed me with questions and tried to re-frame questions differently attempting to get answers that they want because every conversation is recorded for them to use against you if they can. My rental car has been paid for out of pocket through this entire process because they play the run-around game. When searching for a place to take my car, many auto shops refused to work with Fred Loya insurance...that right there should tell you plenty.
BUT IT GETS WORSE!!
After being sick of working with these scam artists, I let my insurance take control of the situation. I gave explicit instructions to Matthew Jennings from Fred Loya that they could not touch my car. The NEXT day they took my car with clear instructions that they absolutely could not (Service King also had instructions not to give it to them but I had the misfortune of working with more idiots there). Matthew Jennings wasn't high enough rank to release the car (but seemingly had enough authority to have it taken. Interesting) and his boss gave us the run-around in returning my car. My car which my insurance needs so that I can get a new car since their client destroyed mine.
So if you are in a predicament like mine, I advise you to do your research in choosing where your car is taken (somewhere that uses REAL parts and not cheap parts). Call them frequently for updates or they will drag this process out as long as they can. For less of a headache and if you can, use your insurance to get the ball rolling and let them go after Fred Loya insurance or get an attorney. Hell, I recommend even recording conversations you have with them. This is a selfish, despicable company and they will show zero remorse.
Fred Loya insurance....you f****** suck.
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