Jeffrey Wade
Fred Loya Insurance is an insurance company with locations in Houston, Horizon City, and El Paso, Texas. The customer service claims center opens at 8:00 am MST every day except Sunday. The Houston location is open from 9 am to 7 pm, Monday through Friday, 9 am to 2 pm on Saturday, and is closed on Sunday. The Horizon City location offers an outstanding level of service to local families.
| Characteristics | Values |
|---|---|
| Monday Hours | 9:00 am - 7:00 pm |
| Tuesday Hours | 9:00 am - 7:00 pm |
| Wednesday Hours | 9:00 am - 7:00 pm |
| Thursday Hours | 9:00 am - 7:00 pm |
| Friday Hours | 9:00 am - 7:00 pm |
| Saturday Hours | 9:00 am - 2:00 pm |
| Sunday Hours | Closed |
| Customer Service Claims Center Opening Time | 8:00 am MST |
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What You'll Learn
- Fred Loya Insurance's customer service claims centre opens at 8 am MST, except Sundays
- The Houston, Texas branch is open Monday to Friday, 9 am-7 pm, Saturday 9 am-2 pm, and closed on Sundays
- Fred Loya Insurance has been accused of poor business practices and providing insufficient claim payouts
- In 2012, the company was fined $300,000 for violating state insurance laws in Texas
- Fred Loya offers discounts for homeowners and those with prior insurance coverage
Fred Loya Insurance's customer service claims centre opens at 8 am MST, except Sundays
Fred Loya Insurance's customer service claims centre is open from 8 am MST, Monday to Saturday. The centre is closed on Sundays.
While the customer service claims centre opens at 8 am MST, the operating hours of individual Fred Loya Insurance offices may vary. For example, the office located at 2802 N Shepherd Dr, Ste 300, Houston, TX 77008, is open from 9 am to 7 pm, Monday to Friday, 9 am to 2 pm on Saturdays, and is closed on Sundays.
It is important to note that Fred Loya Insurance has received some negative reviews for its claims practices and business ethics.
As always, it is recommended to verify this information through official sources or local offices to ensure accurate and up-to-date details regarding their operating hours.
By calling their customer service claims centre or visiting their official website, you can obtain the most current information about their business hours, as well as any variations across different locations.
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The Houston, Texas branch is open Monday to Friday, 9 am-7 pm, Saturday 9 am-2 pm, and closed on Sundays
Fred Loya Insurance's customer service claims center opens at 8:00 am MST every day except Sunday. The operating hours vary across different branches.
The Houston, Texas branch of Fred Loya Insurance is open Monday to Friday, from 9 am to 7 pm, on Saturday from 9 am to 2 pm, and is closed on Sundays. This branch is located at 2802 N Shepherd Dr, Ste 300, Houston, TX 77008.
Fred Loya Insurance offers a range of insurance products and services, and potential customers may benefit from researching their offerings and reviews to determine if they are a good fit for their needs. It is always a good idea to compare multiple insurance providers before making a decision.
It is important to note that insurance companies may update their operating hours or locations, so it is recommended to check their website or contact them directly for the most up-to-date information. Additionally, insurance policies and discounts can vary by state, so it is essential to review the specific terms and conditions applicable to your location.
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Fred Loya Insurance has been accused of poor business practices and providing insufficient claim payouts
One notable criticism of Fred Loya Insurance is their reluctance to pay out claims. Customers have reported frequent claim denials, delays, disputes, and insufficient or partial payouts. The company has faced lawsuits and has been fined for underwriting violations, indicating issues with their claims handling processes.
Online reviews and testimonials provide insight into the experiences of Fred Loya Insurance customers. On platforms like TikTok, customers have shared their negative experiences, including stories of insufficient claim payouts and unexpected policy cancellations. For example, a customer with full coverage on their vehicle received a payout of only $42k for a vehicle valued at $57k, despite providing supporting documentation.
In addition to claim-related issues, Fred Loya Insurance has also been criticized for its customer service. Customers have reported poor experiences, with the company scoring below competitors in reliability and service. The lack of financial strength ratings and limited coverage options further contribute to the perception of poor business practices.
The company's high complaint rate has been reflected in its NAIC (National Association of Insurance Commissioners) complaint index scores. In 2023, Loya Insurance Company, the largest of Fred Loya's underwriting companies, had an NAIC complaint index score of 5.34, over five times the industry average. This further reinforces the perception of poor business practices and dissatisfaction among customers.
While Fred Loya Insurance may offer affordable rates, particularly for high-risk drivers, the trade-off in service quality and customer satisfaction is a significant consideration. The company's history of complaints, legal issues, and negative customer experiences suggest that customers may face challenges in obtaining satisfactory claim payouts and adequate customer support.
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In 2012, the company was fined $300,000 for violating state insurance laws in Texas
The opening times of Fred Loya Insurance vary depending on the location. For example, the Houston, Texas branch is open from 9 am to 7 pm from Monday to Friday, 9 am to 2 pm on Saturday, and closed on Sunday. The customer service claims center opens at 8 am MST every day except Sunday.
Now, regarding the fine: In 2012, Fred Loya Insurance was fined $300,000 for violating state insurance laws in Texas. This penalty was imposed by the State of Texas due to "false advertising" and the company's failure to adhere to its own criteria for offering insurance policy discounts. The company, known for catering to "high-risk" or uninsurable drivers, did not follow the filed criteria for policy discounts, as determined by insurance regulators. This incident underscores the importance of transparency and compliance within the insurance industry, particularly when serving high-risk individuals who may have limited options for coverage.
Fred Loya Insurance, a prominent car insurance company headquartered in El Paso, Texas, has expanded to over 361 agencies across six states: California, Colorado, Illinois, New Mexico, Nevada, and Texas. The company, founded by Fred Loya, a Latin American, started in 1974 as a single storefront office. Over the years, it has established a significant presence in multiple locations, including shopping centers, grocery stores, street corners, and office buildings.
The fine imposed on Fred Loya Insurance in 2012 highlights the company's deviation from regulatory standards and the importance of maintaining fair and honest practices in the insurance industry. While the company has faced scrutiny for its practices, it continues to serve a large customer base, particularly those who may be considered high-risk by standard insurance providers.
To ensure compliance with state insurance laws, insurance companies must adhere to regulatory guidelines and provide accurate and transparent information in their advertising and discount offerings. This incident serves as a reminder for insurance providers to prioritize ethical practices and maintain the trust of their customers and the public.
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Fred Loya offers discounts for homeowners and those with prior insurance coverage
Fred Loya Insurance is a Texas-based family-owned company that offers insurance in 12 states: Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Nevada, New Mexico, Ohio, Oklahoma, and Texas. The company caters to high-risk drivers who may struggle to find affordable insurance elsewhere. Fred Loya Insurance's customer service claims center opens at 8:00 am MST every day except Sunday. Their office timings vary by location, but generally, they are open from 9:00 am to 7:00 pm on weekdays and 9:00 am to 2:00 pm on Saturdays.
Fred Loya offers a range of discounts, which may vary by state. One of their notable discounts is for homeowners. Even though Fred Loya doesn't provide homeowners insurance, being a homeowner can earn you a discount on your car insurance. So, if you own a home, you may be eligible for a reduced rate on your auto insurance with Fred Loya. This discount is bundled with auto insurance, so you can save on your overall insurance costs.
Another discount offered by Fred Loya is the prior insurance discount. This discount applies if you have maintained continuous auto insurance coverage for at least the past 12 months. This discount is beneficial for those who have consistently maintained their insurance policies and can result in significant savings on their car insurance premiums with Fred Loya.
In addition to these discounts, Fred Loya also offers a variety of other ways to save on your insurance. They provide a multi-car discount, where you can bundle your home or renters insurance with auto insurance to reduce your overall costs. They also offer a good driver discount, where your driving history is considered to determine your eligibility for reduced rates. Other discounts include the EFT discount, where setting up monthly electronic fund transfers can earn you a discount, and the family discount, where adding other drivers from your household to your policy can result in savings.
While Fred Loya has received some complaints about claims processing and insufficient claim payouts, they are known for offering flexible payment options and affordable rates for high-risk drivers. It is always advisable to get a personalized quote and compare coverage options to ensure you find the best insurance fit for your needs.
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Frequently asked questions
Fred Loya Insurance opens at 9 am on weekdays.
Fred Loya Insurance closes at 7 pm on weekdays.
Fred Loya Insurance opens at 9 am on Saturdays.
Fred Loya Insurance closes at 2 pm on Saturdays.
