How to File a Fred Loya Car Accident Claim: A Complete Guide

After suffering debilitating injuries in a car accident, dealing with the insurance company may be the furthest thing from your mind. Fortunately, when you have a trial-proven Houston car accident lawyer advocating for your rights, you do not need to worry about your insurance claim at all. Our firm is prepared to handle every step of the insurance claim filing and negotiation processes to protect you in your greatest time of need.

If the driver who hit you or another at-fault party is insured with Fred Loya, a sub-brand of the Loya Insurance Group, Goldenzweig Law Group, PLLC, with 30+ years of experience will know how to approach your claim. Despite the fact that Fred Loya Insurance is one of the largest auto insurance companies in Texas, we are not afraid to back down when they attempt to deny well-deserving claimants the compensation they deserve. To that end, here is our complete guide to filing a car accident claim:

Understanding Fred Loya Insurance

Fred Loya Insurance, part of the Loya Insurance Group, was founded in El Paso, Texas in 1974 and has grown into one of the largest Latino-owned auto insurers in the country, with hundreds of offices across Texas and ten other states. The company specializes in affordable coverage for high-risk drivers, including those who have trouble getting insured elsewhere.

That focus matters after a crash. Because Fred Loya caters to high-risk and minimum-coverage drivers, a policy through the Loya Insurance Group often carries only the state-minimum limits and frequently does not include personal injury protection, uninsured motorist, or underinsured motorist coverage. If you were hit by a Fred Loya driver carrying only minimum liability limits, the available coverage may fall short of your actual medical bills and losses, which makes how your claim is handled especially important.

How Fred Loya Insurance Claims Work

Fred Loya is one of the more complicated auto insurance providers. While most nationwide insurance companies can process your claim 24/7 and allow you to file a claim via a mobile app or website, Fred Loya is different. You can only report your claim between Monday and Saturday during regular office hours.

You cannot file your claim online or via a mobile app and must file by phone. This can be intimidating, especially if you have never been involved in a car accident or filed a claim with an insurance company before. Fortunately, your truck accident lawyer in Houston can handle the insurance claim filing with Fred Loya on your behalf.

Unlike most national carriers, Fred Loya does not let you file a claim through a website or mobile app, and its claims line operates only during business hours rather than around the clock. Claims are reported by phone to the Loya Insurance Group, and office hours generally run Monday through Friday and Saturday, with no Sunday reporting. Having a lawyer handle this call means the claim is filed correctly from the start and you avoid saying anything the adjuster could later use to reduce your payout.

The Role of the Insurance Adjuster

The Fred Loya insurance adjuster will then be responsible for investigating your insurance claim. The insurance adjusters themselves may not investigate, but they will put together a team that investigates how the accident occurred and who is responsible. Texas follows fault-based insurance laws per Transportation Code Chapter 601. Motor Vehicle Safety Responsibility Act, so the liable party’s insurance policy will be responsible for covering a portion of your damages.

Not only will the insurance adjuster investigate the claim, but they will determine the amount of compensation you should be awarded, if any. The insurance adjuster will prepare your settlement offer and be responsible for renegotiating settlement terms if we find their initial offer unreasonable.

Never Give the Insurance Company a Recorded Statement

As part of Fred Loya’s investigation into the cause of your collision, the insurance adjuster may ask you to give them a statement. However, we strongly discourage you from speaking with an insurance company unless we are present. This is because you could say something that the insurance adjuster misinterprets or attempts to manipulate and use against you. Since Texas follows proportionate responsibility laws under Tex. Civ. Pract. & Proc. Code § 33.001, if you are partially at fault for the accident, the insurance company will not need to pay for the total value of your losses.

Instead, your percentage of blame will be taken out of your award, which means you will not receive the total amount of compensation you were initially awarded. The insurance company and liable party may attempt to capitalize on these laws. If you say something that they could use to make it seem as though you have accepted blame for the accident or expressed guilt in some way, it could have an adverse impact on the outcome of your claim.

Prepare to Negotiate for a Full and Fair Settlement

Once your settlement offer has come in, we will need to review it and determine whether it is both fair and reasonable. It is not uncommon for insurance companies to pay out substantially less than claims are worth. We will already have a keen understanding of how much compensation you should be awarded, and will not accept less than you deserve.

Fred Loya will be expected to cover a portion of your medical expenses, vehicle repair costs, and in some cases, even loss of income. We will know more after we have completed our review of the liable party’s insurance policy. We will ensure Fred Loya is held accountable so you have access to the compensation you need to rebuild your life.

What If the Fred Loya Driver Doesn’t Have Enough Coverage?

Because Fred Loya policies are often minimum-limit, a common problem in these claims is that the at-fault driver’s coverage is too low to cover everything you’ve lost. In Texas, minimum liability coverage is only $30,000 per injured person, $60,000 per accident, and $25,000 for property damage. Serious injuries can exceed those limits quickly.

When that happens, you are not necessarily out of options. Your own uninsured or underinsured motorist coverage, if you carry it, may make up part of the gap. There may also be additional liable parties beyond the driver. We investigate every available source of recovery rather than accepting that a minimum-limits policy is the ceiling on your claim. This is one of the most important reasons to have a lawyer review a Fred Loya claim rather than negotiating alone.

Meet With a Trial-Proven Car Accident Lawyer for Help Today

You need a legal representative on your side who will hold profit-driven insurance companies like Fred Loya accountable when they attempt to take advantage of injury victims like you. If the insurance company attempts to blame you for causing the accident or misrepresents policy terms, we are not afraid to call out their bad-faith insurance tactics.

Your dedicated Houston personal injury lawyer with Goldenzweig Law Group, PLLC will stop at nothing to hold the insurance company accountable to their financial obligations. Take action on your Fred Loya insurance claim as soon as today. Schedule your no-cost, risk-free consultation through our contact form or by phone to demand the compensation you are entitled to.

Frequently Asked Questions About Fred Loya Insurance Claims

How do I file a claim with Fred Loya after an accident?

Fred Loya claims must be reported by phone during business hours, not online or through a mobile app. You report the claim to the Loya Insurance Group, and an adjuster is assigned to investigate fault and determine any settlement offer. A lawyer can handle this call and the entire process for you.

Does Fred Loya insurance include personal injury protection?

Often not. Because Fred Loya focuses on affordable coverage for high-risk drivers, many of its policies carry only state-minimum liability limits and do not include personal injury protection, uninsured motorist, or underinsured motorist coverage. This can limit the compensation available after a serious crash.

Should I give Fred Loya’s adjuster a recorded statement?

No, not without a lawyer present. Under Texas proportionate responsibility law (Civil Practice and Remedies Code Section 33.001), if you are found partly at fault, your compensation is reduced by your percentage of blame. Adjusters may try to get you to say something that shifts blame onto you, so it’s best not to give a statement alone.

What if the Fred Loya driver’s coverage doesn’t cover my injuries?

If the at-fault driver carries only minimum limits, your own underinsured motorist coverage may help, and there may be other liable parties. An attorney can identify every available source of recovery rather than accepting a minimum-limits policy as the cap.

How long do I have to pursue a claim in Texas?

Under Texas Civil Practice and Remedies Code Section 16.003, you generally have two years from the date of the accident to file a personal injury lawsuit. Acting early also helps preserve evidence.