Fred Loya currently says customers with its 24-hour Roadside Assistance coverage can call 1-855-548-5626. The company’s public coverage information says the benefit can include towing to the nearest repair facility after non-accident vehicle damage or a breakdown, plus flat-tire repair, fuel delivery, and lock-out service.
You can verify the current roadside number and benefit description on Fred Loya’s official website. If the vehicle was involved in an accident, Fred Loya uses a separate claims number: 1-800-880-0472.
Roadside service and insurance coverage are different: having liability, collision, or comprehensive coverage does not automatically mean Roadside Assistance is included. Check the declarations page and policy forms for the vehicle involved.
What Fred Loya Roadside Assistance Covers
Fred Loya’s public website describes Roadside Assistance as coverage for specified roadside problems rather than as payment for routine vehicle repairs. The published description includes four main services.
Towing After a Breakdown
Fred Loya says Roadside Assistance can cover towing the vehicle to the nearest repair facility after non-accident vehicle damage or a breakdown.
Flat-Tire Help
Fred Loya’s public website says Roadside Assistance includes flat-tire repair. However, a published Georgia policy form, LIC-GA-84-0006 (10/2020), lists tire repair among its exclusions while separately covering specified roadside labor. This difference is a strong reason to rely on the policy form issued for your state and policy.
Fuel Delivery
Fuel delivery is listed as a roadside service. A published Fred Loya policy form shows why the exact policy language matters: the roadside benefit may cover emergency service while excluding the cost of the fuel itself.
Lock-Out Service
Lock-out service is also listed. Coverage for replacement keys or other materials should not be assumed unless the applicable policy form says they are included.
If the roadside problem follows a crash rather than a mechanical breakdown, the Fred Loya claims process and claim-status steps are the more relevant path for accident reporting, damage documentation, towing information, and adjuster follow-up.
Policy Forms Can Add Limits and Exclusions
Fred Loya’s public website gives a short summary of Roadside Assistance, but the issued policy form can be more specific. A published Georgia policy form, LIC-GA-84-0006 (10/2020), lists covered emergencies such as mechanical or electrical breakdown, battery failure, insufficient fuel or other fluid, flat tire, lock-out, and certain vehicle-entrapment situations.
That Georgia form also shows plan-specific benefit amounts: Plan A lists a $70 maximum tow benefit, a $30 locksmith benefit, and $40 for emergency road service; Plan B lists a $50 maximum tow benefit and $35 for emergency road service. It excludes items such as parts, replacement keys, fluid, lubricants or fuel, vehicle-storage charges, a second tow for the same disablement, tire repair, and certain repair-shop labor.
The same form says roadside-assistance claims must be reported within seven days and requires original invoices for reimbursement. These figures and requirements are Georgia-form examples, not universal Fred Loya terms. Your declarations page and the policy form issued for your policy control the benefit you actually purchased.
Before relying on the benefit: check the service limit, towing destination, number of service calls allowed, covered vehicle, and any exclusions shown on your own policy form.
Roadside Assistance vs. an Auto Insurance Claim
A non-accident breakdown, flat tire, fuel-delivery need, or lock-out can point toward roadside assistance. A collision or another covered loss should be handled through the claims process.
| Situation | Roadside Assistance | Claims |
|---|---|---|
| Non-accident breakdown requiring a tow | May apply when Roadside Assistance is on the policy. | Usually not the primary path unless another covered loss is involved. |
| Flat tire | Fred Loya lists flat-tire service. | Usually not an auto claim by itself. |
| Keys locked in the vehicle | Fred Loya lists lock-out service. | Usually not an auto claim. |
| Vehicle involved in an accident | Roadside service may be secondary to the loss. | Fred Loya instructs drivers to report the accident to Claims. |
Fred Loya currently lists 1-800-880-0472 for claims, with live-agent hours Monday through Friday from 8:00 a.m. to 7:00 p.m. MST and Saturday from 8:00 a.m. to 4:00 p.m. MST. Accident reporting, adjuster follow-up, towing information, and claim-status questions are handled through the separate claims process.
When to Call 1-855-548-5626
Use the roadside number when the policy includes Fred Loya’s 24-hour Roadside Assistance coverage and the vehicle has a roadside problem that fits the benefit. The public number is 1-855-548-5626.
Before calling, have the policy number, vehicle description, current location, contact number, and a short explanation of the disablement ready. If the vehicle is stopped in a dangerous location or someone is injured, address the immediate emergency first.
How to Confirm Roadside Assistance Is on Your Policy
Check the declarations page and policy forms for Roadside Assistance, emergency road service, towing, or similar wording. Do not assume the benefit exists simply because the vehicle has an auto policy.
If the documents are unclear, Fred Loya currently lists 1-800-444-4040 for customer service. The Loya insurance phone numbers and department contacts separate roadside, claims, customer service, and other support channels.
What to Do If the Vehicle Breaks Down
- Get to a safer location if possible. Use hazard lights and avoid standing close to moving traffic.
- Decide whether the event is a breakdown or an accident. That determines whether roadside or claims is the better first call.
- Check that roadside coverage applies. Use the declarations page or policy form when available.
- Call the appropriate service number. For Fred Loya Roadside Assistance, the published number is 1-855-548-5626.
- Keep records. Save tow information, receipts, service details, photos when relevant, and the repair-facility information.
Is Roadside Assistance Worth Comparing?
The practical comparison is whether the benefit, limits, and price add value beyond any roadside service you already have through another policy, membership, vehicle program, or separate roadside provider. Avoid paying twice for substantially overlapping benefits.
Compare the towing rule, service-call limits, exclusions, geographic availability, and whether the benefit follows the covered vehicle, driver, or another eligibility condition stated in the policy.
Frequently Asked Questions
What is the Fred Loya Roadside Assistance phone number?
Fred Loya currently publishes 1-855-548-5626 for customers who have its 24-hour Roadside Assistance coverage.
Does every Fred Loya policy include roadside assistance?
Do not assume that it does. Confirm the benefit on the declarations page or policy forms or contact Fred Loya customer service.
Does roadside assistance pay for mechanical repairs?
The public roadside description focuses on emergency roadside services, not routine repair bills. Published Fred Loya policy forms can contain exclusions for parts, fluids, repair-shop labor, storage, and other expenses. Check the form attached to your policy.
Is roadside assistance the same as filing a claim?
No. Fred Loya uses a separate Claims Department at 1-800-880-0472 for accidents and covered losses.
Can I add Roadside Assistance after buying the policy?
Availability can depend on the policy, vehicle, state, and current company rules. Contact customer service or a local office to ask whether it can be added.
Local Office Help
Some policy changes or coverage questions may be easier to resolve through customer service or a branch. Fred Loya’s location finder can show branch-specific phone numbers and hours.
If you prefer in-person help, current Fred Loya Insurance office locations can help you find a branch before visiting. Call first when you need a specific policy-service request.
Compare Auto Insurance Quotes by ZIP Code
If you are shopping for a different policy rather than requesting roadside service, enter your ZIP code to compare auto insurance quote options.
This comparison is separate from Fred Loya’s roadside-assistance and policy-service channels.
Sources
This article uses current Fred Loya public coverage, claims, customer-service, location, and published policy-form information. The issued policy form controls the benefit for an individual policy.
- Fred Loya Insurance — Roadside Assistance Coverage and Phone Number
- Fred Loya Insurance — Claims Number, Hours, and Claims Process
- Fred Loya Insurance — Customer Service and Contact Information
- Fred Loya Insurance — Official Location Finder
- Fred Loya Insurance — Georgia Policy Form LIC-GA-84-0006, Part E: Roadside Assistance Coverage