Fred Loya Ins. basically calls thier policy holders liars. On 3 different ocassions that I know of, they always blamed thier ins holders without even investigating the accident. They always go with what the other person says, and thats it they payoff. I think it's because the way they put it to me, "your rates are going up because we have to recover what we paid". So this way the get more money out of you.