If you have insurance with Fred Loya then you signed an 'AUTHORIZATION FOR VEHICLE COVERAGE". Its in the application package that you are sent to fill out when you open your policy. Did any of you really read this? I did, and I refused to sign it, so they canceled my policy. Word for word, it says: With regards to comprehensive/collision coverage, applicant agrees to give Fred Loya Insurance Agency, Inc. and its representatives' right of possession or control of applicant's covered vehicle in the event Fred Loya Insurance... read full review »