Were you recently in a car accident, and are you insured by Fred Loya Insurance?
Although Fred Loya Insurance is very popular in its home state of Texas, it has earned a bit of a bad reputation among some of its policyholders.
According to Fred Loya’s website, the company started as a single storefront in El Paso, Texas, in 1974 and has grown to be the 18th Largest Hispanic Top 500 Owned and Operated Company in the United States.
It insures more than 600,000 drivers in the United States and handles thousands of accident claims each month.
Despite the high volume, many policyholders have voiced concern that the Fred Loya claims department has delayed or denied claims by accident victims.
If you are dealing with Fred Loya insurance, you need a sharp and aggressive attorney on your side. At Armstrong Lee & Baker LLP, we know just how to help. Call us today at 832-402-6637.
High-Risk Drivers
Fred Loya Insurance is a popular high-risk insurance provider that insures drivers who may otherwise be uninsurable with other companies.
A driver may be labeled high-risk if they:
- Had one or more accidents over a three-year period;
- Have multiple tickets or traffic offenses;
- Have a poor credit score;
- Allowed a lapse in previous insurance coverage;
- Are a new driver or a teenager;
- Drive a sports car, or
- Live in a high-traffic area.
If you are labeled a high-risk driver and insured by Fred Loya Insurance, your coverage may not be as expansive as that of others.
You may mistakenly believe you have better coverage than you actually do. Many Fred Loya policies do not include personal injury protection (PIP) benefits or uninsured/underinsured motorist coverage.
This can be problematic if you are in an accident and anticipate filing a Fred Loya insurance claim.
What Should You Do Following a Car Accident?
First and foremost, you should call 911 and seek medical attention if you are injured.
Otherwise, you should call the police and ensure that a police report is filled out. You should also document what you can on your own, including taking pictures and getting the contact information of any witnesses.
Once you have done this, you should contact the Fred Loya Claim Department to report the accident.
Even though it is your duty as the insured to report the accident to your insurance company, be cautious when you speak with them.
Although they may seem friendly and on your side, at the end of the day, they work for the insurance company. It is often best to first contact an accident attorney before dealing with Fred Loya insurance.
An experienced Texas car accident attorney can help you better understand the claims process and offer you assistance to maximize your recovery.
Texas Car Accident Attorneys
If you are a Fred Loya Insurance policyholder and were recently in an accident, reach out to us at Armstrong Lee & Baker LLP.
We will guide you through the process of filing a claim step by step. Our Texas attorneys are available at any time to take your call.
C.J. Baker represents victims with serious injuries and has won millions of dollars for victims of 18-wheeler crashes, oilfield equipment failures, offshore platform explosions, and defective medical devices. C.J. graduated summa cum laude from Texas Tech University School of Law in 2016. He was an editor of the Texas Tech Law Review and a top national trial and moot-court advocate.
Frequently Asked Questions
Absolutely nothing. At Armstrong Lee & Baker LLP, our attorneys work on a contingency fee basis. This means that you owe us nothing unless we win your case, whether that’s in the form of a settlement or a judgment. We offer a free consultation to anyone who thinks they might have a personal injury case.
We suggest speaking with an attorney as soon as possible after your injury. Something to keep in mind is that all personal injury cases need evidence, and that evidence often degrades over time. As a result, many jurisdictions have a strict statute of limitations (or time limit) for filing a claim. In Texas, most victims have only two years from the date of injury to file, so it is important to start building your case immediately.
In the state of Texas, employers have the option of filing for workers’ compensation insurance. This policy covers them in case an employee suffers an injury on the job. However, some employers choose to be non-subscribers, which means they opt out of this coverage and lose certain legal protections. This means that if an injured employee sues them after a work injury, they may end up paying more damages. In addition, they may be liable for pain and suffering, punitive damages, and medical benefits. Learn more about non-subscriber injuries here.
The Texas Department of Insurance (TDI) keeps track of employers that report their non-subscriber status. Currently, you can find a spreadsheet of every reported non-subscriber business in Texas under TDI’s workers’ compensation insurance coverage verification page. This includes the business address, business name, and filing dates. Learn more here.
There are a few different ways to manage your bills while waiting for your case to settle. For medical treatment, it is common to arrange a lien with the doctor’s office or hospital. A medical lien is essentially an agreement to pay back your treatment costs with a portion of your potential settlement. Another option for miscellaneous bills, such as rent, utilities, or other essential expenses, is lawsuit funding. Much like a lien, you pay these loans back with a portion of your settlement or judgment. However, these loans have high interest rates and fees, so be sure to discuss this option with your attorney.