I was hit by a person that has Fred Loya insurance. My damages are approximately $5000. I contacted Loya. What follows is a summary of my experience with this corrupt company. First, they asked me a lot of questions unrelated to the incident and very personal information, like my social security number. I refused to give them this information. Then they sent me to multiple people, who all asked me the same information. It is illegal for an insurance company in California to ask you the same information multiple times. I went to one of the top auto body shops in Sacramento and got an estimate for $4500 plus rental car costs of about $250. I offered Loya adjuster Monica Pena to give her the estimate. She did not accept it. She gave me an estimate from Loya and a check for $700. The auto body shop laughed when they saw how terrible the estimate was and the shop told me Loya is an awful insurance company that tries to pay very low amounts for claims. I did some research online and found a lot of terrible stories about Loya from people. In California, it is illegal for an insurance company to offer a very low amount to pay off a claim. I went back to Loya and after dealing with their incompetent staff and numerous false statements about things (all of which is audio-recorded) they paid out an additional $1500. Still about $2500 short of my damages. I contacted the California Department of Insurance and they told me to file a complaint with them against Loya. I went back to Loya and explained to them that what they are doing is illegal. Marylou Sanchez in the Supplemental department at Loya stated to me that she agrees with the estimate from my body shop but that she was instructed to write an estimate for a much lower amount (this is audio-recorded). My understanding is that this is an illegal estimate. Sanchez told me to communicate with team lead Ricardo Alaniz. I contacted him and this guy had no clue what the situation was. Loya is a disaster. You have to explain everything over and over to new people as they send you around in circles. I imagine this is intentional so that people give up and don't persist with Loya to get their claims fully paid. The incompetent liar Ricardo Alaniz then said he was going to cancel the $1500 payment to me. I called him out on this and said I would include it in my complaint to the Department of Insurance, and he got very quiet. I imagine he knew he got caught. A few days later, Ricardo contacted me and said that he did not cancel the $1500 but that Loya would not currently pay any more of my damages. So, I contacted the person that hit my car and told them that Loya won't pay the full claim, which is illegal, and that I won't deal with Loya anymore. I told the person that hit me that they have to pay the remaining $2500 or I will have to sue them. According to California law, ultimately, the person that hit me is responsible for my damages. Loya is her insurance company and she needs to deal with Loya to pay my full damages. I have no obligation to deal with Loya. If Loya does not pay my damages for her, then she can sue Loya for failing to insure her. She said that she will talk to Loya. I told her I need to get fully paid soon or I have to sue her, unfortunately. I told Loya that I am going to sue their customer and Loya does not care. What a terrible company. They are ripping me off and they are ripping off their customer. The customer pays premiums to Loya for insurance and now Loya won't insure her, like they are supposed to! I encouraged her to file a complaint with the Department of Insurance and to talk to an attorney about sueing Fred Loya. I imagine she will come up with the money to pay me but then she will have to deal with Loya to get reimbursed. Very sad. So, if you have Loya insurance, you should cancel and get a different insurance company. Because if you need to use Loya insurance to pay someone else, you risk that Loya will not pay and you will have to pay or get sued. Stay away from the criminals at Fred Loya Insurance! read more
