We have been insured by Fred Loya for over two years. Yesterday we called them to change our bank draft information for the upcoming payment. They emailed the form and required us to call them back. Today, they have not changed the bank information. We called them and they can't stop the draft scheduled for next Wednesday.We pleaded with them to stop the draft of that account because it will cost us a NSF charge of $35 on top of their payment amount and their fee for the NSF. They can't do it...takes ten days and a form. WE faxed the form yesterday but it did not have both our signatures. She said fax it again but can't guarantee a thing. More than likely the money will be drafted from the wrong bank. We asked them to cancel the insurance, they can't do that either without us driving 100 miles to the nearest office to sign a form. This is ridiculous...what happened to taking care of your customer? From the looks of somme of the these complaints, it is a good thing we were not involved in a wreck with one of their clients or ourselves. WE will be cancelling the insurance one way or another. The staff was not helpful at all...and on top of that, they talk over you...everytime we tried to explain our need, they would interrupt us and talk over us not allowing us to speak. Rude very Rude...I highly recommend you change insurance agents or avoid Fred Loya all together. I will continue to spread the news against Loya from this point forward...I will get the word out...

I live in El Paso where the owners still live and all i will ever say is They SUCK never use them they wont honor anything at all and more .Yes I had Fred Loya a fool who needed insurance and NO they are not low and they are just like the rest of the so called mandatory insurance companies that we have to get...Yes we need insurance but the system has to change in the way the insurance companies do the things they do and get away with it.What I did was just stop payment PERIOD closed my accounts and did open another and I also used a ACE card debit to pay all my bills ...I put the money in only when a bill is due .With the times the way they are with fraud and Ident -theft try what you can to find a solution to your banking needs and find one (debit ) card Walmart card is ideal for transactions ...I never use my Bank account at all...Good luck out there and hope you solve your problems with these Insurance thieves...DAVID