The Loya Insurance Group: What You Need to Know

The Loya Insurance Group is a network of companies that includes Rodney D. Young Insurance and Fred Loya Insurance. With over 500 offices across states such as Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Missouri, New Mexico, Nevada, and Texas, the group markets itself as offering “competitive rates… regardless of your credit or driving history.”

Insurance Options and Claims Process

The Loya Insurance Group provides a range of auto insurance plans with flexible payment options to suit varying budgets. However, policyholders often report that claims adjusters handle multiple cases simultaneously, which can lead to delays and complications in claims processing.

In 2012, the State of Texas fined the group $300,000 for “false advertising” due to failure to honor its guarantee of discounted insurance rates.

Understanding Nonstandard or High-Risk Insurance

The Loya Insurance Group is particularly known for insuring “high-risk” drivers — individuals who are often denied coverage by standard insurers. This type of policy is referred to as nonstandard insurance, and may apply to drivers who:

• Have a history of car accidents
• Have been convicted of DUI/DWI
• Accumulate numerous traffic violations (e.g., speeding)
• Live in high-risk areas
• Own high-performance or modified vehicles
• Are young and inexperienced drivers

Nonstandard insurance policies typically meet only the minimum coverage required by law. In Texas, this includes:

• $30,000 per person for bodily injury liability
• $60,000 per accident for total bodily injury liability
• $25,000 for property damage liability

These “minimum limits policies” often lack crucial protections such as uninsured/underinsured motorist coverage or personal injury protection.

What is a Named Driver Exclusion?

Nonstandard insurance plans from Loya often include a Named Driver Exclusion, meaning certain individuals are explicitly excluded from coverage. If an excluded driver is behind the wheel during an accident, no coverage will apply—even with the vehicle owner’s permission.

This exclusion is commonly used in households with minors or individuals with poor driving histories. Unfortunately, some policyholders may misuse these plans by:

1. Purchasing insurance and immediately obtaining an ID card
2. Stopping payments after receiving the card
3. Registering policies under someone else’s name to avoid scrutiny

The result? You may end up in an accident with someone who presents a valid insurance card but has no actual coverage.

Dealing With Loya Insurance Group Claims

Unlike larger national carriers, the Loya Insurance Group and Rodney D. Young Insurance are known for offering minimal settlement amounts. If you receive an initial claim offer, it may be far below the cost of your damages—or denied altogether due to a Named Driver Exclusion.

Because nonstandard policies often carry only the minimum required coverage, accident victims can struggle to cover medical bills or vehicle repairs. You may need to:

• Negotiate medical expenses down with providers
• File a claim under your own underinsured motorist policy

Get Legal Help After an Accident

If you’ve been injured in a car accident involving a driver insured by Fred Loya Insurance or Rodney D. Young Insurance, you may already be dealing with coverage issues, uncooperative adjusters, or lowball offers.

Don’t navigate the process alone. Call Simmons and Fisher, P.C. for a free consultation. You won’t pay any legal fees or case expenses unless we recover compensation on your behalf.

Protect your rights and get the compensation you deserve—call us today.