I was hit by a customer with Fred Loya insurance. The insurance card said it expires on 4/26/2010 and he hit me on 4/26/10. The police officer that took the report, and the young man that hit me all thought the insurance was still valid. Today (4/27/10) I get a call from the Fred Loya insurance adjuster who says the claim is denied because the coverage ended on 12:01 am on 4/26/10. This after he had already paid for two more months of insurance to ensure he didn't have a laps of coverage!

The claims department manager, Osvaldor Chavez, proudly told me that they deny 14, 000 claims a month for reasons ranging from expired policies, invalid drivers, and such. They were shameless in the denial. What insurance company does that in this day and age? My only other recourse is to complain to the BBB and the Attorney General's office and letting people know on websites like this.