Fred Loya Insurance customers may need assistance with a policy payment, premium increase, coverage change, cancellation, proof of insurance, SR-22, roadside request, accident claim, repair estimate, total-loss offer, rental vehicle, or unresolved insurance complaint.
The correct support route depends on whether the issue involves an active insurance policy, a new quote, roadside assistance, a claim filed by a policyholder, or a claim made against someone insured by Fred Loya.
Fred Loya Insurance operates as part of Loya Insurance Group. Its claims department also handles claims involving affiliated insurers including Loya Insurance Company and Young America Insurance.
Below are Fred Loya’s current customer-service contacts, claims procedures, payment and cancellation guidance, complaint escalation options, and related consumer resources.
Fred Loya Insurance contact information reviewed and updated in June 2026.
Fred Loya Customer Service Help by Issue
- General policy question: Call Fred Loya Customer Service at 1-800-444-4040 or contact a local office.
- New auto insurance quote: Call 1-800-444-4040 or use the online quote system.
- Make a payment: Use Fred Loya’s secure online payment page or contact Customer Service.
- Payment not posted: Keep the confirmation number, bank record, payment date and policy number and call Customer Service.
- Premium increased: Ask for an explanation of the rating factors, coverage changes, discounts, driving record and renewal terms.
- Change an address, vehicle or driver: Call Customer Service. Some changes may require a signature or local-office visit.
- Cancel a Fred Loya policy: Fred Loya requires a written cancellation request, which may be completed through a local branch.
- Need proof of insurance: Sign in to the account, contact Customer Service or visit a local Fred Loya office.
- Need an SR-22: Contact a local agent or Customer Service and confirm the state filing requirements and cost.
- Report an accident claim: Call the Claims Department at 1-800-880-0472 as soon as possible.
- Claim against a Fred Loya policyholder: Third-party claimants also use 1-800-880-0472.
- Check a claim’s status: Contact the Claims Department or the assigned adjuster using the claim number.
- Vehicle cannot be driven: Tell the claims representative where it was towed and take reasonable steps to avoid unnecessary storage charges.
- Need an estimate: Ask the adjuster about a drive-in estimate, Direct Repair Facility or inspection by an appraiser.
- Disagree with a repair estimate: Ask the repair shop to document accident-related supplemental damage and contact the assigned adjuster.
- Total-loss dispute: Request the valuation report, comparable vehicles, mileage and condition adjustments used to determine actual cash value.
- Rental vehicle question: Review the policy’s rental-reimbursement coverage and whether liability coverage transfers to a temporary replacement vehicle.
- Roadside assistance: Call 1-855-548-5626 and confirm that the service is included in the policy.
- Received a lawsuit or legal papers: Notify Fred Loya immediately and provide the documents according to the company’s instructions.
- Suspected insurance fraud or impersonation: Contact Fred Loya through its official website or telephone number rather than using an unexpected message.
- Unresolved complaint: Request supervisor review and consider filing a complaint with the insurance department in the state where the policy or claim is located.
How To Contact Fred Loya Insurance
- Quotes and Customer Service: 1-800-444-4040
- Customer Service Email: customerservice@fredloya.com
- Customer Contact Page: Contact Fred Loya Insurance
- File or Check a Claim: 1-800-880-0472
- Claims Hours: Monday through Friday, 8:00 a.m. to 7:00 p.m. Mountain Time; Saturday, 8:00 a.m. to 4:00 p.m. Mountain Time
- Roadside Assistance: 1-855-548-5626
- Online Account: Fred Loya Account Login
- Online Payment: Pay a Fred Loya Bill
- Find a Local Office: Fred Loya Office Locator
- Insurance and Claims FAQs: Fred Loya Frequently Asked Questions
- Claims Mailing Address: Loya Insurance Group, P.O. Box 972450, El Paso, TX 79997
- General Sales Mailing Address: Loya Insurance Group, P.O. Box 972090, El Paso, TX 79997
- Corporate Address: 1800 Lee Trevino Drive, Suite 201, El Paso, TX 79936
- Corporate and Local Office Phone: 1-915-629-6300
- Official Website: FredLoya.com
Important: Fred Loya’s current public website uses 1-800-444-4040 as its primary Quotes and Customer Service number. The older 1-800-554-0595 number may still appear on certain policy documents, notices or mobile-alert materials. Use the number shown on the current policy when a state-specific notice provides different instructions.
Fred Loya does not currently publish general Customer Service hours on its main contact page. Local office hours vary by location, so use the official office locator before visiting.
What To Do After an Accident
Protect personal safety first. Call 911 when anyone is injured, traffic is blocked, a vehicle is unsafe, or the law requires an accident report.
At the Accident Scene
- Move to a safe location when it is legal and safe to do so
- Call police or emergency services when appropriate
- Exchange driver and insurance information
- Record vehicle license plates
- Photograph the vehicles, damage, road and traffic controls
- Record witness contact information
- Obtain the police or incident number
- Do not admit fault or agree to a private settlement at the scene
- Find out where a towed vehicle is being taken
After Leaving the Scene
- Report the accident to Fred Loya at 1-800-880-0472.
- Provide the policy information and accident details.
- Ask for the claim number.
- Record the assigned adjuster’s name and contact information.
- Preserve photographs, police information and repair records.
- Take reasonable steps to protect the damaged vehicle from additional loss.
- Do not authorize major repairs until the claims process and inspection requirements are understood.
How To File a Fred Loya Claim
Fred Loya accepts claims from its own policyholders and from people making a claim against a Fred Loya, Loya Insurance Company or Young America Insurance policyholder.
Call 1-800-880-0472 and have the following information available:
- The policyholder’s name
- The Fred Loya policy number, when available
- The date, time and location of the accident
- The names and contact details of drivers and passengers
- Vehicle years, makes, models and license plates
- Insurance information for every driver
- A description of what occurred
- Police-report or incident information
- Witness contact information
- Photographs or video
- The vehicle’s current location
- Information about injuries or property damage
Report the claim as soon as reasonably possible. Delaying the report can make it harder to inspect damage, obtain witness statements or confirm other accident details.
Fred Loya Claim Process
Fred Loya describes the general claims process as:
- Coverage review: The adjuster reviews the policy and determines which coverages may apply.
- Accident investigation: The claims department contacts the involved parties and requests their statements.
- Damage estimate: Fred Loya obtains photographs, an inspection or another estimate of the damage.
- Additional fact gathering: The adjuster may review police reports, witnesses, scene information and applicable traffic laws.
- Claim decision: Fred Loya accepts, partially accepts, settles or denies the claim based on its investigation and coverage determination.
Fred Loya states that a liability adjuster is generally assigned and contacts the involved parties within approximately 24 hours of the loss report. Actual timing can vary based on weekends, claim volume, catastrophe conditions and the information available.
How To Check a Fred Loya Claim
Call the Claims Department at 1-800-880-0472 or contact the assigned adjuster directly.
Have This Information Ready
- The claim number
- The policyholder’s name
- The accident date
- The affected vehicle
- The adjuster’s name
- The specific question or missing action
Questions To Ask
- Has coverage been confirmed?
- Has liability been determined?
- Which documents are still missing?
- Has the vehicle inspection been scheduled?
- Has an estimate been completed?
- Was payment issued?
- Is the check payable to a lienholder or repair shop?
- What is the next expected action?
- When should the customer follow up again?
Record each contact date, the representative’s name and the explanation provided.
Fred Loya Claim Estimates and Repairs
Fred Loya describes several possible appraisal methods, including a drive-in estimate, inspection at a Direct Repair Facility or inspection by a staff appraiser.
If the damaged vehicle cannot be driven, Fred Loya states that an appraiser generally attempts to make contact within approximately 72 hours of the loss report. This is not a guarantee that the complete claim or repair authorization will be finished within 72 hours.
Choosing a Repair Shop
Fred Loya states that vehicle owners may select a repair shop of their choice. A Direct Repair Facility may also be available.
Before authorizing work:
- Confirm that the adjuster has inspected the vehicle
- Obtain the Fred Loya estimate
- Ask the shop whether it accepts the estimate
- Ask how supplements will be handled
- Confirm the deductible
- Ask whether any repairs or parts will not be covered
- Keep every estimate and authorization
Supplemental Damage
If a repair shop discovers additional accident-related damage after repairs begin, the shop should document it and request a supplemental review from Fred Loya.
Do not assume that Fred Loya will automatically pay every additional charge. The adjuster or appraiser generally must review and approve accident-related supplemental damage.
Fred Loya Total-Loss Claims
A vehicle may be declared a total loss when the repair cost approaches or exceeds its actual cash value or when it cannot be safely restored to its pre-loss condition.
Fred Loya states that actual cash value may consider:
- The vehicle’s year, make, model and trim
- Mileage
- Pre-accident condition
- Options and equipment
- Comparable vehicles in the local market
If You Disagree With the Valuation
- Request the complete valuation report.
- Check the vehicle trim, mileage, options and condition.
- Review every comparable vehicle.
- Identify incorrect deductions or missing equipment.
- Gather listings for comparable local vehicles.
- Provide receipts for recent major improvements when relevant.
- Submit the disagreement in writing.
- Ask for the final valuation decision and policy basis.
The vehicle’s actual cash value can be lower than the remaining loan or lease balance. Gap coverage, when purchased separately, may address part of that difference under its own terms.
Towed Vehicles and Storage Charges
Fred Loya states that the vehicle owner remains responsible for locating a towed vehicle and taking reasonable steps to prevent continuing storage charges.
After a Vehicle Is Towed
- Confirm the towing company and storage location
- Ask for the daily storage rate
- Ask what documents are needed to release the vehicle
- Give the location to the Fred Loya adjuster
- Ask when inspection will occur
- Ask whether the vehicle should be moved
- Keep towing and storage receipts
Do not assume the insurer will pay unlimited storage charges. Failure to act after being told to move the vehicle may reduce the amount reimbursed.
Fred Loya Rental Vehicle Questions
Rental-car coverage depends on the policy and the circumstances of the claim.
Possible issues include:
- Whether rental reimbursement was purchased
- The daily and total rental limits
- When rental coverage begins
- When rental coverage ends
- Whether liability coverage transfers to a temporary replacement vehicle
- Whether a third-party claimant’s rental is considered reasonable and necessary
Fred Loya’s public FAQ states that the liability portion of a policy may transfer to a rental vehicle when it is a temporary replacement for the insured vehicle. This does not mean that every type of physical-damage coverage or rental expense automatically applies.
Confirm coverage before renting a vehicle whenever circumstances permit.
Injury Claims and Legal Papers
Report any injury claim promptly and preserve medical, employment and expense records.
If a Fred Loya policyholder receives a lawsuit, summons, demand letter or other legal document related to an accident, the company instructs the policyholder to notify it immediately.
Do Not:
- Ignore a court deadline
- Assume the other party already sent the papers to Fred Loya
- Admit liability in writing without guidance
- Sign a release without understanding its effect
- Post detailed accident or injury information publicly
CustomerServiceNumbers.com does not provide legal advice. Consider consulting a qualified attorney when a lawsuit, serious injury or important deadline is involved.
Fred Loya Roadside Assistance
- Roadside Assistance Number: 1-855-548-5626
Before requesting service, confirm whether roadside assistance is included in the policy and what limits or fees apply.
Information To Have Ready
- The policy number
- The driver’s name
- The vehicle description
- The exact location
- A safe callback number
- The type of service needed
- The preferred destination when towing is required
Call 911 first when the vehicle creates an immediate traffic danger, someone is injured, or police, fire or emergency medical assistance is required.
How To Pay a Fred Loya Insurance Bill
Fred Loya provides an online payment form and accepts payments through local offices and other approved methods associated with the policy.
- Online Payment: Fred Loya Secure Payment Form
- Customer Service: 1-800-444-4040
Fred Loya states that online payments are due by 12:00 a.m. Mountain Time on the payment due date.
Before Submitting a Payment
- Confirm the policy number
- Confirm the policyholder name
- Review the amount due
- Check the due date and time zone
- Confirm the payment method
- Save the confirmation number
- Check the policy status afterward
Fred Loya Payment Not Posted
If a payment is missing:
- Check the bank or card account
- Locate the payment confirmation
- Confirm the policy number used
- Check whether the payment was returned or declined
- Review the online account
- Contact Customer Service promptly
Ask whether the policy remains active while the payment is researched. Do not assume that a bank withdrawal alone proves the policy is active.
Why Did My Fred Loya Premium Increase?
Auto insurance premiums can change because of:
- Claims history
- Driving violations
- Vehicle changes
- Driver changes
- Address or garaging location
- Coverage limits
- Deductibles
- Discount changes
- State-approved rate changes
- Credit-based insurance information where permitted
- Policy lapses or reinstatement
Questions To Ask
- Which rating factor changed?
- Did a discount expire or disappear?
- Did the vehicle, driver or address information change?
- Did Fred Loya apply a statewide rate revision?
- Can changing coverage or deductibles reduce the premium?
- Can the explanation be provided in writing?
Do not reduce legally required or financially important coverage without understanding the consequences.
Changing a Fred Loya Policy
Fred Loya states that policy changes cannot currently be completed entirely through its public website.
Call 1-800-444-4040 or visit a local office to:
- Add or remove a vehicle
- Add or remove a driver
- Change an address
- Update a telephone number
- Change coverage limits
- Change a deductible
- Add or remove optional coverage
- Update lienholder information
Some changes may require a written signature or office visit.
After Changing a Policy
- Request updated declarations
- Confirm the effective date
- Review the new premium
- Check every driver and vehicle
- Confirm the lienholder
- Save the change confirmation
How To Cancel Fred Loya Insurance
Fred Loya states that cancellation requests require a written request that may be completed at a local branch.
Before Canceling
- Arrange replacement insurance first when the vehicle will remain registered or driven
- Confirm the new policy’s effective date
- Ask Fred Loya about any cancellation fee
- Ask whether unused premium will be refunded
- Check whether automatic payments must be stopped separately
- Request the exact cancellation date
At the Local Office
- Bring photo identification
- Bring the policy number
- Complete the written cancellation request
- Request a dated copy
- Ask when any refund will be issued
- Confirm that future billing is stopped
Do not simply stop making payments. A lapse or insurer-initiated cancellation can create registration, lender, driving and future-insurance problems.
Proof of Insurance and SR-22 Assistance
Contact Fred Loya when proof of insurance is missing, contains incorrect information or must be provided to a lender, vehicle-registration agency or law-enforcement authority.
An SR-22 is a certificate filed with the state to confirm that a driver maintains the required liability insurance. It is not a separate insurance policy.
Before Requesting an SR-22
- Confirm which state requires it
- Confirm the driver’s license information
- Ask about the filing fee
- Ask how long the filing must remain active
- Confirm the required coverage limits
- Avoid a lapse during the required period
Fred Loya Account and Login Problems
Use Fred Loya’s official account login rather than a link contained in an unexpected email or text message.
For login or account problems:
- Confirm the policy information
- Use the official password-recovery process
- Check the registered email address
- Record the exact error message
- Contact Customer Service if recovery fails
Do not provide an account password, complete payment-card number or one-time security code to an unexpected caller.
Fred Loya Insurance Scam and Fraud Warnings
Scammers may impersonate an insurance agent, claims adjuster, roadside representative, repair shop or payment department.
Warning Signs
- Demand for gift cards, cryptocurrency or wire transfer
- Request to pay an individual rather than the insurer
- Request for a password or verification code
- Threat of immediate cancellation without account verification
- Promise of guaranteed claim payment for an upfront fee
- Request to sign a blank claim or repair document
- Unexpected link to a payment website
How To Verify the Request
- End the suspicious call or message.
- Open Fred Loya’s official website directly.
- Call 1-800-444-4040 for policy questions.
- Call 1-800-880-0472 for claim questions.
- Contact the assigned adjuster through previously verified information.
- Notify the financial institution immediately if money was sent.
How To Escalate an Unresolved Fred Loya Complaint
- Contact the correct department. Use Customer Service for policy and billing matters and Claims for accident-related matters.
- Request a reference number. Record the representative’s name, contact date and explanation.
- State the requested resolution. Ask for a payment correction, policy correction, claim decision, estimate review, valuation review or written explanation.
- Keep supporting documents. Save declarations, bills, receipts, photographs, estimates, police reports, letters and claim communications.
- Request supervisor review. Explain what remains unresolved and what previous representatives stated.
- Submit the complaint in writing. Use customerservice@fredloya.com or the appropriate claims correspondence address.
- Request the final decision in writing. Ask which policy provision, valuation, rate filing or claim record supports the decision.
- Contact the state insurance department. Insurance complaints are generally handled by the department of insurance in the state connected to the policy or claim.
- Consider qualified legal advice. This may be appropriate when the dispute involves serious injuries, litigation, a substantial loss or an important deadline.
State Insurance Department Complaints
State insurance departments accept complaints involving matters such as:
- Claim delays
- Claim denials
- Unsatisfactory settlements
- Policy cancellation or nonrenewal
- Billing and premium disputes
- Agent conduct
- Failure to provide required documents
Use the National Association of Insurance Commissioners directory to locate the appropriate state insurance department:
Contact Fred Loya first and keep its final response, claim decision, policy, estimates and supporting records for the state complaint.
Fred Loya Customer Reviews and Complaint Sentiment
At the time this page was updated, CustomerServiceNumbers.com did not have any published Fred Loya Insurance reviews and could not calculate meaningful customer sentiment.
The previous page described positive and negative customer trends that were not based on reviews submitted directly to CustomerServiceNumbers.com. Those unsupported statements have been removed.
As customers submit reviews, this section may be updated with recurring topics involving:
- Policy prices and premium changes
- Payments and reinstatement
- Local office service
- Policy changes and cancellation
- Roadside assistance
- Claim reporting and adjuster communication
- Repair estimates and supplements
- Total-loss valuations
- Rental vehicles and towing
- How effectively complaints were resolved
Future sentiment summaries will be based on actual CustomerServiceNumbers.com reviews rather than generalized assumptions about Fred Loya Insurance or its policyholders.
What To Include in Your Fred Loya Review
- The state and general service area
- Whether the issue involved a policy, payment, roadside request or claim
- The approximate dates involved
- The department or local office contacted
- Whether Fred Loya provided a case or claim number
- How long it took to receive a response
- Whether a payment, repair or written decision was provided
- Whether the issue was resolved
Do not publish a complete policy number, claim number, driver’s-license number, vehicle identification number, payment information, medical records, exact home address or employee personal information.
Fred Loya Frequently Asked Questions
What is the Fred Loya customer-service number?
Fred Loya Quotes and Customer Service can be reached at 1-800-444-4040.
What is the Fred Loya claims number?
File a new claim or request claim assistance by calling 1-800-880-0472.
What are Fred Loya’s claims hours?
Fred Loya currently lists claims hours as Monday through Friday from 8:00 a.m. to 7:00 p.m. Mountain Time and Saturday from 8:00 a.m. to 4:00 p.m. Mountain Time.
What is the Fred Loya roadside-assistance number?
Call Fred Loya Roadside Assistance at 1-855-548-5626.
Can I file a claim against a Fred Loya driver?
Yes. Call 1-800-880-0472 to report a claim against someone insured by Fred Loya or another Loya Insurance Group company.
How do I check a Fred Loya claim?
Call the Claims Department or contact the assigned adjuster using the claim number.
Can I choose my own repair shop?
Fred Loya states that vehicle owners may select their own repair shop. Do not begin repairs before understanding the inspection, authorization and supplemental-estimate process.
What should I do if my car is in a storage lot?
Tell the adjuster immediately, ask when it will be inspected and take reasonable steps to prevent unnecessary continuing storage charges.
How does Fred Loya determine a total loss?
The company compares repairability and repair cost with the vehicle’s actual cash value. The valuation may consider condition, mileage, options and comparable local vehicles.
How do I pay Fred Loya Insurance online?
Use Fred Loya’s secure online payment form. Save the payment confirmation and verify the policy status afterward.
Can I change my Fred Loya policy online?
Fred Loya states that policy changes cannot currently be completed entirely through the public website. Call 1-800-444-4040 or visit a local office.
How do I cancel Fred Loya Insurance?
Fred Loya requires a written cancellation request that may be completed at a local branch. Request a dated copy and confirm the cancellation date, refund and future billing status.
Can I just stop paying to cancel the policy?
No. Stopping payment may lead to a lapse or insurer-initiated cancellation. Submit the required written cancellation request and obtain confirmation.
Does Fred Loya offer SR-22 filings?
Contact a Fred Loya agent or Customer Service to confirm availability, filing cost and state-specific requirements.
How do I complain about Fred Loya Insurance?
Contact the appropriate Fred Loya department, request supervisor review and obtain the final decision in writing. If the issue remains unresolved, contact the insurance department in the state connected to the policy or claim.
What companies does the Fred Loya claims department handle?
Fred Loya states that its claims department handles claims involving Fred Loya Insurance, Loya Insurance Company and Young America Insurance.
Where is Fred Loya Insurance headquartered?
Fred Loya Insurance is headquartered at 1800 Lee Trevino Drive, Suite 201, El Paso, Texas 79936.
Related Auto Insurance Customer Service Pages
- GEICO Customer Service
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- Fred Loya Corporate Office Headquarters
Official Fred Loya and Insurance Resources
- Fred Loya Contact Information
- Fred Loya Claims
- Fred Loya Insurance FAQs
- Fred Loya Account Login
- Fred Loya Online Payment
- Fred Loya Office Locator
- State Insurance Department Directory
Related Consumer Resources
- Identify an Unknown Fred Loya or Insurance Charge
- Check a Suspicious Insurance, Claim, Payment, Text or Email
- Read and Share Company Reviews
- Find Chat and Online Customer Support Options
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Our goal is not simply to repeat an insurance telephone number. We help consumers determine whether to contact Fred Loya Customer Service, Claims, Roadside Assistance, a local office, an assigned adjuster or a state insurance department.
Reviews may be moderated for spam, profanity, policy and claim numbers, payment information, medical information, home addresses and personally identifiable information while preserving the reviewer’s original meaning.
Share Your Fred Loya Insurance Experience
Have you contacted Fred Loya about a premium, payment, policy change, cancellation, roadside request, accident claim, repair estimate, total-loss valuation, rental vehicle or unresolved complaint?
Leave a rating and review below. Include the general state or service area, type of issue, department contacted, whether Fred Loya provided a claim or reference number, how long it took to receive assistance and whether the issue was resolved.
Your experience may help another consumer determine whether to contact Customer Service, Claims, Roadside Assistance, a local office, an assigned adjuster or a state insurance regulator.
Disclaimer: CustomerServiceNumbers.com is an independent consumer website and is not affiliated with Fred Loya Insurance, Loya Insurance Company, Young America Insurance, Loya Insurance Group, any Fred Loya agent, repair shop, roadside provider or state insurance department. Fred Loya does not provide customer support through this website.
This page provides general consumer information and does not provide legal, insurance, claims, repair, financial, medical or regulatory advice. The insurance policy, declarations page, endorsements, state law, claim records, repair documents and official written decisions control each policyholder’s coverage and claim.
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