Fred Loya Insurance is a leading provider of non-standard auto insurance in Texas since 1974. The company provides efficient processing of new business with policies issued at time and point of sale as well as immediate confirmation on all policy changes. The Fred Loya Insurance claims force is one of professionals committed to settling claims promptly and fairly. Company policy dictates twenty four hour settlements on physical damage claims whenever possible. Legal defense over and above policy limits is provided when necessary. Fred Loya Insurance has over one hundred bank locations across Texas.