Fred Loya Insurance Review

2.3/5 - (3 votes)

This is an archive of a consumer complaint published against Fred Loya Insurance at


Business Details –

  • Name: Fred Loya Insurance
  • Address: Federal Boulevard
  • City: Denver
  • State: CO
  • Phone: (303) 934-0770
  • Website:
  • Reported Loss: 1478 $
  • Severity of Scam: High


Original Complaint against Fred Loya Insurance published at says, verbatim –


I honesty don’t even know how Fred Loya Insurance is in business. Their client was speeding down my residential road one morning and was being followed by a motorcycle cop.She ended up taking the turn of the circle to fast (50-60mph) and lost control.Her truck hit my parked car, it went through our front fence and hit our big pine tree in the front yard.My car finally got towed 4 days later (a total loss). Here we are a week later and no progress.They refuse to visit their client in jail (even though they confirmed they do dispatch people to the jail to collect statements) because she carried liability only.I was also told that because I wasn’t hurt there is no reason I can’t get to and from work and child care.Another representative told me that my family can just give me a ride (they live out of state).Another representative told me that I need to figure it out, that it’s my problem.Apparently there is some rule that if they don’t get a statement from their client within 40 days, on the 41st day the policy is cancelledThey won’t pay a dime for the accident that their client caused while they were insured!!Is this even legal!? Seems negligent to me. I was told that I had to prove this even happened, collect all the evidence and send it to them so they can investigate.I am disgusted with this company and how they do business and treat people.I’m surprised the Division of Insurance hasn’t shut them down.That is my next step, I’ll be filing a formal complaint with DORA and other necessary actions so innocent people aren’t screwed over.Sounds like this is how they do business based on the other complaints on here. What a joke.


Fred Loya Insurance

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