On 7/22/09 I was hit by someone insured by Fred Loya Insurance. I was driving through a parking lot and a man backed out of a parking space and hit me so hard it did over $3, 000. worth of damage to my vehicle. I had to go to the ER and my medical bills are $7500. so far. Loya Insur. Co. declared they would only pay 90% and I was forced to get a lawyer for the bodily injury. The adjuster with Loya Insur., Glenn P. Johnson only offered $2, 000. Not only do I have to sue and go to court, my shoulder needs reconstructive surgery that will put me out of work for up to six months. I can not have the surgery because I will not have the money to live on and the policy limits would not be enough to cover the cost. After much research, THIS COMPANY DOES NOT PAY THEIR CLAIMS. Law offices have more cases on Fred Loya Insurance Co. than any other auto insurance company. DO NOT GET HIT BY A DRIVER INSURED BY THIS COMPANY.