Fred loyas is the worstes of the worst insurance co.to have insurance with.. if you dont take your car to their facility to get an estimate,they mske you wait 2 to 4weeks before they send out an adjuster to where you had your car towed after an accident.then you eait another week for a check just to get your car fixed..ooo man dont have extra problems with your due to the accident,,,the whole process starts all over again!!! Ive been waiting 2months just to get a fender bender fixed...My experience with Fred Loyas Insurance is an now was a horrible experience ever.. i strongly advise no one to deal with that insurance company ever in life!!!!!