Loya Insurance Company – Affordable Auto & Casualty Coverage

Fred Loya Insurance began offering insurance policies in 1975 in El Paso, Texas. With over 45 years of experience, the company has evolved by maintaining its core values while modernizing to meet the expectations of today’s customers. Loya Insurance now features an updated website with online payment options, instant quotes, and digital claims filing for added convenience.

Understanding Loya Casualty Insurance

Some assume that casualty insurance strictly covers life, health, or property—but this is a misconception. Insurance is generally divided into three primary categories:

1. Life Insurance
2. Fire and Marine Insurance
3. Casualty Insurance

These categories often overlap due to varying underwriting standards. Since 1946, “casualty insurance” has become a catch-all term for liability-related coverage, excluding marine risks, medical care, and certain physical property losses.

Today, common examples of casualty insurance include homeowners and auto insurance. In the automotive space, “full coverage” typically refers to the minimum liability required by your state—whereas collision and comprehensive coverage are considered optional add-ons.

Liability insurance protects you financially if you’re found legally responsible for causing injuries or property damage to others in an accident.

Coverage Options from Loya Casualty Insurance

Loya Casualty Insurance Company offers more than basic liability. Here’s a breakdown of available coverage options:

• Liability Coverage: Covers bodily injury and property damage caused to others if you’re at fault in an accident.
• Personal Injury Protection (PIP): Pays for your medical expenses, lost wages, and more—regardless of who caused the accident.
• Collision Coverage: Pays for repairs to your vehicle following an accident involving another car or object.
• Medical Payments Coverage: Supplements PIP and covers additional out-of-pocket medical costs for you and your passengers.

Additional Services & Coverage Options

Loya also offers a Direct Repair Program (DRP) with a lifetime warranty on covered repairs and rental arrangements—even if you don’t carry rental reimbursement coverage. More coverage highlights include:

Rental Reimbursement Coverage

If your vehicle is inoperable due to a collision, Loya Casualty Insurance will reimburse you for rental car costs—up to $25 per day, capped at $250 for a 12-month policy period. This coverage also includes a $100 towing benefit.

Note: This should not be confused with Transportation Expense coverage, which applies to theft-related vehicle loss. In theft cases, Loya provides up to $10 per day, with a $300 maximum payout.

Comprehensive Coverage

Comprehensive insurance covers “other-than-collision” damage and includes original part replacements. It covers events such as:

• Missiles or falling objects
• Fire
• Theft or larceny
• Earthquakes or explosions
• Windstorms
• Floods, hail, or water damage
• Vandalism
• Riots or civil commotion
• Animal collisions
• Glass breakage

In cases involving broken glass, policyholders can choose to file it under either collision or comprehensive, depending on the incident.

What Is Non-Standard Auto Insurance?

Loya Insurance is also a leading provider of non-standard auto insurance in Texas and beyond. Non-standard policies are designed for high-risk drivers who may have difficulty obtaining coverage through traditional providers. This includes individuals with:

• DUI or DWI convictions
• Poor credit scores
• Teen or elderly drivers
• Past violations or lapse in coverage
• High-crime area residency

Although non-standard insurance tends to be more expensive, it ensures that high-risk drivers can legally operate their vehicles with appropriate liability protection. Loya typically settles claims for physical damage within 24 hours and offers legal defense beyond policy limits when needed.

State Compliance and Accessibility

Each U.S. state has different regulations regarding auto insurance, with some enforcing no-fault laws. Loya Insurance Company operates in multiple states and ensures that every policy adheres to local laws and coverage requirements.

Get a Free Quote from Loya Insurance

Whether you’re a first-time driver, a high-risk motorist, or simply shopping for better rates, Loya Insurance offers affordable, customizable coverage that fits your needs. You can start by requesting a free online quote—no obligation required. Their user-friendly platform makes it easy to compare rates, explore policy options, and even file a claim, all in just a few clicks.

With over four decades of experience and a strong presence in several U.S. states, Loya Insurance remains a reliable option for drivers seeking budget-friendly auto and casualty coverage. Take the next step and see how much you could save today.