Fred Loya claims

Which situation are you actually in?

It comes down to one question, and the answer changes everything: is Fred Loya your insurer, or the other driver's?

If Fred Loya is YOUR insurer, this is a first-party claim and we cannot take it. That is a decision we have made about how we work, not a judgement about you, and we would rather you read it here than drive across town to hear it at our counter.

If Fred Loya insures the OTHER driver and the accident was not your fault, this is a third-party claim — a different arrangement entirely, and often one we can work with. Call us before you assume anything. It takes about two minutes on the phone to tell you honestly whether we can help.

If it is your own policy, here are your real options

You can use a shop that accepts Fred Loya claims. That is the straightforward route and there is no reason to make it harder than it is.

Or you can have us repair the car outside the claim. We will write you a free estimate with no obligation, and you would be paying us directly rather than through the insurer. Some people choose this when the repair is small enough that a claim is not worth filing, or when they want a certified repair with a lifetime written warranty on a car they intend to keep.

Either way, ask for the estimate before you decide. Free, in writing, no pressure — and at least you will be choosing with the real number in front of you.

You still choose the shop

Whatever you decide, remember the underlying rule: in Texas the repair shop is your decision. No insurer can require you to use a shop in its network, and steering you away from the shop you chose is prohibited.

That cuts both ways here. We are declining the work, which is our right — but nobody can force you into a shop you do not want either.

Call us either way

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