Fred Loya Insurance
Fred Loya Insurance is a U.S. automobile insurance business headquartered in El Paso, Texas. The company is part of the broader Loya Insurance Group, which provides private-passenger automobile insurance through several affiliated insurance entities and agency operations. Its business is focused primarily on drivers looking for basic automobile coverage, competitive premiums, convenient neighborhood offices, payment services, and claims handling.
The organization has operated for more than four decades and currently states that it has 800+ offices across 12 states, including Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Nevada, New Mexico, Ohio, Oklahoma, and Texas. Fred Loya combines physical agency offices with online quoting, policy access, online payments, claims reporting, and centralized Customer Service.
Current official policy and privacy materials continue to identify the company’s El Paso service-office address as 1800 Lee Trevino, Suite 201, El Paso, TX 79936. Customer Service is available at 1-800-444-4040, while new and existing auto claims are handled through 1-800-880-0472.
1-800-554-0595
This number continues to appear in official Loya policy and privacy materials for company information, underwriting questions, and complaint-related contact.
1-800-444-4040
customerservice@fredloya.com.
Loya Insurance Group / Fred Loya Insurance
1800 Lee Trevino, Suite 201
El Paso, TX 79936
United States
Fred Loya Insurance / Loya Insurance Group
1800 Lee Trevino
El Paso, TX 79936
United States
Current policy documents use Suite 201 for company and service correspondence.
Customer Service: customerservice@fredloya.com
The company uses this address for general policy and service questions.
Auto Insurance, Personal Auto Coverage, Insurance Agencies, Claims Administration and Consumer Financial Services
12 states
The company currently identifies operations in Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Nevada, New Mexico, Ohio, Oklahoma, and Texas.
800+ offices
Current official careers and contact materials use the 800+ office figure.
1-800-880-0472
customerservice@fredloya.com
https://www.fredloya.com/careers/
Fred Loya Insurance primarily focuses on automobile insurance rather than offering a broad multi-line insurance portfolio. Coverage availability, policy terms, deductibles, limits, exclusions, and optional protections depend on the customer’s state, underwriting profile, vehicle, and specific issuing insurance company.
Liability insurance can help pay for covered bodily injury and property damage for which the insured driver is legally responsible, subject to policy limits and exclusions. Minimum required liability limits vary by state, so the coverage purchased must meet the legal requirements where the vehicle is insured.
Bodily injury liability coverage is designed to address covered claims involving injuries to other people after an accident for which the insured driver is legally liable. Available limits depend on the state and selected policy.
Property damage liability can help cover covered damage caused to another person’s vehicle or property. This coverage is generally required as part of a state’s minimum automobile insurance framework.
Collision coverage can help pay for physical damage to the insured vehicle after a covered collision, subject to the selected deductible and policy terms. It may be required by a lender or leasing company even when it is not required by state law.
Comprehensive coverage addresses certain non-collision physical-damage losses, such as theft, vandalism, weather events, falling objects, or similar covered events. The exact protections depend on the policy and state.
Uninsured motorist coverage may protect qualifying insured persons when an at-fault driver has no applicable liability insurance. The availability, limits, and ability to reject this coverage vary by state law.
Underinsured motorist protection can apply when the at-fault driver’s insurance limits are insufficient to fully address a covered claim. Availability is determined by state insurance requirements and policy selection.
In states where available, medical payments coverage can help with qualifying medical expenses resulting from an automobile accident, regardless of fault, up to the applicable policy limit.
Certain states require or allow Personal Injury Protection, commonly known as PIP. Depending on state law, this can cover qualifying medical expenses, lost income, and other specified costs following an automobile accident.
Fred Loya’s claims operation evaluates physical damage after a covered loss. The company may obtain photographs, prepare an estimate, review the vehicle, collect police reports, and assess coverage before reaching a claim determination.
When a loss is reported, the assigned liability adjuster reviews the policy and gathers statements, evidence, accident details, police reports, scene information, and other facts necessary to determine responsibility and coverage.
Prospective customers can begin an auto insurance quote through FredLoya.com or contact Customer Service for assistance locating a nearby agent. Quoting generally requires information about drivers, vehicles, driving records, and existing insurance.
Fred Loya maintains a large network of neighborhood offices. Customers can use these locations to request quotes, make policy changes, ask service questions, and obtain local assistance.
Policyholders can create and use online accounts to access qualifying policy information, manage credentials, and handle selected account functions.
Fred Loya allows qualifying customers to make insurance payments online. Payment deadlines and policy-status rules remain subject to the specific policy and state requirements.
Claims can be reported by calling
1-800-880-0472
Fred Loya recommends reporting an accident as soon as possible and keeping police reports, accident information, photographs, and related documents together.
After a claim is created, customers can contact the assigned claims adjuster directly or call the main Claims Department. Customers should have the claim number ready so the representative can locate the file efficiently.
Many Fred Loya offices operate in markets with significant English- and Spanish-speaking populations. Location pages frequently identify both English and Spanish service availability.
1-800-554-0595
This number appears in current official policy and privacy materials for information, underwriting, and complaints.
1-800-444-4040
customerservice@fredloya.com.
1-800-880-0472
Monday to Friday: 8:00 AM to 7:00 PM MST
Saturday: 8:00 AM to 4:00 PM MST.
915-590-5692
This number is published in official Loya Casualty Insurance Company policy materials.
915-590-5692
1-800-554-0595.
1-800-444-4040
The company directs prospective customers to this number for assistance finding a nearby office or agent.
1-800-444-4040
Current privacy materials also provide this number for privacy-related questions and rights requests.
customerservice@fredloya.com
Loya Insurance Group
P.O. Box 972450
El Paso, TX 79997.
P.O. Box 972090
El Paso, TX 79997.
Local office numbers differ by location.
https://www.fredloya.com/locations/
For quotes, policy service, payments, or general insurance questions, call 1-800-444-4040 and have the policy number ready if you are already insured. Providing the policy number at the beginning of the conversation can reduce routing delays and help the representative locate the correct policy, insured vehicle, and account history.
For a new or existing claim, call 1-800-880-0472 instead of the ordinary Customer Service line. Once a claim is assigned, the adjuster becomes the most useful direct contact for coverage investigations, statements, vehicle estimates, supporting documents, and settlement questions. Fred Loya states that a liability adjuster generally contacts the relevant parties after the loss is reported.
Loya Insurance Group
1800 Lee Trevino, Suite 201
El Paso, TX 79936
United States
This address is repeatedly published in Fred Loya and affiliated insurer policy documents as the service office and correspondence address.
1800 Lee Trevino, Suite 201
El Paso, TX 79936
P.O. Box 972450
El Paso, TX 79997
P.O. Box 972090
El Paso, TX 79997
A Fred Loya agency location also operates at
1800 Lee Trevino, Suite 101
El Paso, TX 79936
Phone: 915-629-6300
This is a local agency office and should not be confused with the Suite 201 company service-office address.
Fred Loya’s current materials describe
800+ offices
across
12 states.
The broader Loya Insurance Group handles business through affiliated insurance and agency entities, including Loya Insurance Company, Loya Casualty Insurance Company, Fred Loya Insurance, and Young America Insurance-related operations.
Fred Loya Insurance is privately held and therefore does not maintain a public Investor Relations department or publicly traded stock ticker.
Insurance complaints can involve policy cancellation, premium billing, underwriting, claim delays, disputed liability, vehicle-damage estimates, settlement amounts, agent conduct, payment posting, or communication problems. Before escalating, gather the policy number, claim number, accident date, vehicle information, payment records, adjuster contact information, police report, repair estimates, photographs, correspondence, and copies of any written coverage decisions.
Start by calling 1-800-444-4040 or emailing customerservice@fredloya.com. Provide the policy number and clearly explain the service or coverage issue. If the complaint relates to a payment, policy change, renewal, cancellation, or agent interaction, identify the relevant date and office location. Ask the representative to document the concern and request a reference number or written response where possible.
If the complaint involves an accident or open claim, call 1-800-880-0472 and provide the claim number. Ask to speak with the assigned adjuster and explain the specific issue, such as a delay, liability decision, estimate disagreement, missing documentation, or settlement question. Keep notes of every conversation, including dates, names, requested documents, and promised follow-up dates.
If the adjuster or Customer Service representative cannot resolve the matter, request a supervisor or claims-management review. Prepare a concise chronology showing when the claim was reported, when documents were supplied, what decisions were made, and why you believe the issue remains unresolved. For repair disputes, obtain written estimates and photographs. For coverage disputes, ask the company to identify the policy language supporting its position so the disagreement can be evaluated accurately.
Formal written correspondence can be sent to Loya Insurance Group, 1800 Lee Trevino, Suite 201, El Paso, TX 79936. Include the policy number, claim number if applicable, insured’s contact information, relevant dates, prior representative names, and copies of supporting records. State the exact remedy requested, such as correcting a billing error, reviewing a coverage decision, reconsidering a vehicle estimate, or providing a written explanation. Keep proof of mailing.
If the dispute requires additional claims records, correspondence may also be sent to the official Claims mailing address at P.O. Box 972450, El Paso, TX 79997. Clearly identify the claim number on every document so materials are matched to the correct file. Never send irreplaceable originals unless specifically required. Keep copies of estimates, medical bills, photographs, police reports, repair invoices, and any other materials submitted.
When a complaint involves a denial, limitation of coverage, liability determination, or disputed settlement, ask Fred Loya for the decision in writing. A written response should make it easier to understand whether the disagreement concerns policy language, factual evidence, vehicle valuation, damages, deductibles, or legal responsibility. Compare the explanation with the declarations page, endorsements, and applicable policy provisions before deciding on further escalation.
If the complaint remains unresolved, contact the Department of Insurance in the state where the policy was issued. Insurance regulation is state-based, so the correct regulator depends on where the insured vehicle and policy are located. Submit copies of the policy, claim documents, correspondence, payment history, denial letters, and your written complaint. The regulator can review whether applicable insurance laws and claims-handling rules were followed, although it may not decide every factual or liability dispute.
Certain disputes may be subject to policy-specific procedures, appraisal rights, mediation, arbitration, litigation, or other remedies depending on the policy language and state law. Review the complete policy and any endorsements before selecting this route. If the dispute involves substantial property damage, bodily injury, coverage denial, or complex liability questions, consider obtaining advice from a qualified insurance professional or attorney licensed in the relevant state.
Keep one organized file containing the declarations page, policy, endorsements, claim number, police report, repair estimates, photographs, payments, letters, emails, call notes, regulator correspondence, and proof of mailing. A well-documented file is especially important in insurance disputes because claim decisions often depend on both policy language and factual evidence. Continue using the same claim and complaint references whenever possible so the record remains easy for the company, regulator, or other reviewer to follow.
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