File Fred Loya Insurance Claims in a Few Easy Steps

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File Fred Loya Insurance Claims in No Time

Fred Loya Insurance claims to provide affordable and quality auto insurance. Even the best insurance providers can have complicated claims procedures, so if you need to file a claim, you might end up in a bureaucratic maze.

DoNotPay can help you file a claim for any insurance type. If you would like to avoid obstacles, submit your claim via our app!

What Does Fred Loya Insurance Cover?

Here is an overview of Fred Loya's plans and general coverage:



  • Property damage
  • Bodily injuries


  • Repairs
  • Replacement of the insured vehicle as a result of a collision


Damages to the insured vehicle resulting from, e.g.:
  • Fire
  • Hail
  • Theft
  • Storm
  • Animal
  • Vandalism
  • Falling objects

Personal Injury Protection

  • Lost wages
  • Funeral expenses
  • Medical expenses
  • Caregiver services

Medical Payments

Medical treatment:
  • As a result of a car accident regardless of the fault

As there are exclusions, read your insurance policy carefully to know what to expect before filing your claim.

How To Initiate Fred Loya Insurance Claims

In case you get into a car accident, report it to the Fred Loya Insurance claim department to get further instructions. This is what you should expect to come next:

  • Fred Loya Insurance will appoint a liability adjuster
  • The adjuster will determine whether your loss and damages are covered
  • He/she will collect evidence, such as photos, interviews with other drivers and witnesses, police reports, damage estimates, etc.
  • Fred Loya will accept or deny your insurance claim

If you do not want to deal with customer support representatives, DoNotPay can help you claim your accident insurance easily.

What To Do To File Loya Insurance Claims

As a Loya Group Insurance policyholder, you have certain duties stated in your policy. Here is what you need to do:

  • Report the loss in due time
  • Cooperate in the claim investigation process
  • Provide supporting documentation

Fulfilling these requirements will ensure your claim process goes smoothly.

Get a Loss Estimate and Repairs

Fred Loya provides a few options for loss appraisal. You can get the estimate at:

In case you need to initiate the claiming process for your vehicle, an appraisal officer can come to your home to inspect the car only if it cannot be driven. Once Fred Loya’s appraisals estimate the damages on your car, they will send the report to an adjuster.

If you decide to drive your car to a shop for repairs, you can select one that is part of Loya’s Direct Repair Program and get:

  • A guarantee on performed repairs
  • A rental in case you have rental reimbursement option
  • The repairs bill sent directly to Loya Insurance Group

You do not have to take your vehicle to a Loya certified facility, but do not schedule repairs before the adjuster has authorized them.

File Fred Loya Insurance Claims via DoNotPay

DoNotPay saves you time and energy by filing your Loya Group Insurance claims for you. You should provide some basic information, and here is how:

  1. Open DoNotPay in your
  2. Opt for Auto Insurance
  3. Enter the necessary information, such as the policy number and your contact details
  4. Describe why you are filing a claim and provide the specifics of the incident

Our app prepares and sends your claim to Fred Loya Insurance, and a company representative should contact you to inform you about the following steps.

DoNotPay can help you file different insurance claims, such as car, unemployment, or home insurance. We will assist you in filing a claim with Allianz, The General, Allstate, Shelter, or any other provider.

File Fred Loya Insurance Claims on Your Own

Should you choose to submit Loya Insurance claims by yourself, your only option is to call the Fred Loya Insurance claim department at 1-800-880-0472. You can contact a representative during the following business hours:

  • Monday–Friday, 7 a.m.–8 p.m. (MST)
  • Saturday, 7 a.m.–4 p.m. (MST)

Be prepared to wait for a long time for a representative to answer your call as they tend to be busy. They will ask for additional evidence that you can mail to P.O. Box 972450 El Paso TX 79997.

A claim adjuster should get in touch with you within 24 hours of reporting the incident. If you do not hear from the adjuster, call the claim department again.

Did Fred Loya Insurance Reject Your Claim? DoNotPay Can Help

In case Fred Loya denies your claim, DoNotPay can assist! Our app will file an appeal letter on your behalf as you should not give up getting what is rightfully yours.

Here is how you appeal:

  1. Visit DoNotPay in a
  2. Find Auto Insurance
  3. Click on the Appeal Denied Insurance Claim
  4. Follow the prompts to finalize the process

You take these simple steps from the comfort of your home, and we make sure Loya Insurance Group gets your appeal.

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