Author: LoyalInsurance.org Editorial Team

Fred Loya Claims Phone Number and Hours

Fred Loya currently lists 1-800-880-0472 for reporting an auto insurance claim. Its claims page lists claim-reporting hours as Monday through Friday, 8:00 a.m. to 7:00 p.m. MST, and Saturday, 8:00 a.m. to 4:00 p.m. MST.^[1]

The same number can be used to file a claim on your own policy or against a Fred Loya insured driver. Fred Loya asks callers to have accident information readily available.^[2]

How the Fred Loya Claim Process Works

Fred Loya’s current claims page describes a five-part process after the loss is reported: the policy and coverage are checked, accident details are gathered, vehicle damage is estimated, additional evidence is collected when needed, and the claim reaches a final disposition based on the information gathered during the liability investigation.^[1]

The company states that a liability claims adjuster will be assigned to the loss report and contact the claimant within 24 hours. The adjuster may obtain statements from the parties, photos, estimates, police reports, witness information, scene evidence, and applicable traffic-law information as part of the investigation.

What to Do After an Accident

Fred Loya’s own accident instructions emphasize four immediate tasks: report the claim, protect the vehicle from additional damage, locate the vehicle if it was towed, and create a file containing documents related to the loss.^[3]

Information to Have Ready When You File

Fred Loya’s FAQ specifically asks callers to have all accident information readily available. Having the basic policy, vehicle, driver, and loss details together can reduce unnecessary follow-up.

• Policy information Policy number, named insured, insurance card, and effective dates.
• Driver details Names, phone numbers, license information, and addresses for involved drivers.
• Vehicle details Year, make, model, license plate, VIN, and current vehicle location.
• Accident facts Date, time, location, and a factual description of what happened.
• Other party information Insurance information, vehicle details, and contact information when available.
• Police information Report number and responding agency when a report was made.
• Photos and documents Scene photos, damage photos, accident exchange forms, and towing documents.
• Expenses Receipts for towing, storage, rental, and other claim-related costs.

What Coverage May Apply?

The type of coverage that matters depends on the loss and the policy. Current Fred Loya materials describe liability, collision, comprehensive, medical payments, personal injury protection, rental reimbursement, and roadside assistance among its auto insurance categories. The NAIC also explains that auto policies can combine required and optional coverage differently by state and policy.^{[4] [5]}

If an accident exposes a limit, deductible, or missing protection that you had not considered before, the question of how much auto insurance coverage fits your situation becomes especially relevant before the next renewal.

Liability Claims vs. Damage to Your Own Vehicle

Liability coverage and physical-damage coverage serve different purposes. Liability generally addresses covered injuries or property damage caused to others. Damage to your own vehicle usually requires the applicable collision or comprehensive coverage, subject to the policy and deductible.

A policy that contains only liability coverage should not be assumed to pay for repairs to your own vehicle. Check the declarations page before making assumptions about what the policy includes.

What If the Vehicle Was Towed?

Fred Loya specifically tells drivers to find out where the vehicle was taken if it was towed. That information can be important because the adjuster may need the storage location and access information, while towing and storage charges can continue to accumulate.^[3]

Rental Reimbursement and Roadside Assistance Are Different

Fred Loya currently describes rental reimbursement as coverage that can pay for a rental car while an insured vehicle is repaired after a covered accident when the vehicle is unavailable for more than 24 hours. Whether it applies to a particular loss depends on the policy and claim.^[6]

Roadside assistance is described separately for non-accident vehicle damage or breakdowns and can include towing to the nearest repair facility, flat-tire assistance, fuel delivery, and lock-out service. It should not automatically be treated as accident-claim towing coverage.

Filing Against a Fred Loya Insured Driver

You do not need to be a Fred Loya customer to report a claim against one of its insured drivers. The company’s FAQ directs both policyholders and people filing against one of its insureds to the same Claims Department number, 1-800-880-0472.^[2]

Fred Loya’s published claim process says the adjuster gathers statements and other evidence, evaluates policy coverage and accident facts, prepares or obtains damage information, and reaches a final claim disposition based on the investigation.

How to Check a Fred Loya Claim Status

Fred Loya says claim-status questions can be directed to 1-800-880-0472 during its listed claims hours. Once the claim has been filed and an adjuster assigned, the company says you can contact that adjuster directly for questions or to provide and obtain information needed to move the claim forward.^[1]

• Claim number Keep it available whenever you call or send documents.
• Adjuster Save the adjuster’s direct contact information once assigned.
• Timeline Record calls, inspections, document requests, and repair updates.
• Documents Keep police reports, estimates, receipts, photos, and letters together.
• Open requests Note anything the adjuster still needs from you.
• Next contact Ask when you should expect the next update if no date has been provided.

When Payment Status and a Claim Overlap

A claim and a billing issue are separate questions. A payment receipt does not by itself establish that a particular loss is covered, and a claim report does not resolve an overdue premium or cancellation issue.

If the accident occurred close to a due date or cancellation notice, check the policy documents and the Fred Loya payment deadlines and account tools so you have the billing record, receipt, and policy-status information available when speaking with the insurer.

Common Claim Problems to Avoid

What If You Are Unhappy With the Claim Experience?

Start by asking which policy term, coverage limit, deductible, exclusion, or claim fact affected the decision. Keep the response and supporting correspondence with the rest of your claim file.

If the experience leads you to change insurers, arrange the replacement policy before canceling the current one. The steps for switching car insurance without creating a coverage gap matter because even a short lapse can leave you uninsured and may affect future pricing.

Frequently Asked Questions About Fred Loya Insurance Claims