The Loya Insurance Group: What You Need to Know

The Loya Insurance Group is a network of nonstandard auto insurance brands that includes companies commonly associated with budget-focused coverage and drivers who may not qualify for standard insurers. You’ll often see the group connected with names such as Fred Loya Insurance and other regional storefront-style agencies.

In plain English: this is a group known for serving drivers who want affordable payments, fast proof of insurance, and coverage that meets state requirements—especially if they’ve had tickets, accidents, lapses, or need specialized filings. If you’re comparing options, it helps to understand how nonstandard policies work, what “minimum limits” really cover, and what to watch for in exclusions and claims.

Insurance Options and the Claims Process

The Loya Insurance Group typically markets flexible payment plans and accessibility—often through local offices and phone support. That can be helpful if you need insurance quickly or want monthly payments that fit a tight budget. At the same time, many nonstandard insurers operate with leaner staffing, and adjusters may handle many files at once. The practical result can be slower claim timelines or more back-and-forth documentation requests.

If you want to understand how claim handling typically works and what steps to follow so your file doesn’t get delayed, review the basics of the claims process and keep records of everything you submit (photos, repair estimates, medical bills, and dates of contact).

Also note: nonstandard insurance is not automatically “bad.” It’s just designed for a specific segment of drivers. The key is knowing what you are buying (limits, exclusions, deductibles) so you aren’t surprised when you actually need to use the policy.

Understanding Nonstandard or High-Risk Insurance

The Loya Insurance Group is particularly associated with nonstandard or high-risk auto insurance—coverage for drivers who may be declined by standard carriers. This often includes people who:

• Have recent tickets or accidents
• Have been convicted of DUI/DWI
• Have gaps/lapses in insurance coverage
• Are young or newly licensed drivers
• Live in higher-risk ZIP codes
• Need special filings (for example, SR-22)

If this sounds like your situation, you’ll get more value by learning how insurers price risk and what you can do to improve your profile. Start here: coverage for high-risk drivers. Even small changes—continuous coverage, fewer violations, choosing the right deductible—can improve your renewal price over time.

Many nonstandard policies are built around minimum liability coverage required by law. In Texas, that is commonly expressed as 30/60/25:

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

Minimum limits can keep you legal, but they may not be enough if an accident causes serious injuries or expensive repairs. If you’re unsure what liability actually does (and what it does not do), read the benefits of liability coverage and consider whether higher limits are worth the extra cost.

Also, minimum-limit policies may not include optional protections that many drivers assume are “automatic,” such as uninsured/underinsured motorist coverage. That’s why it’s smart to understand uninsured vs. underinsured motorist coverage and decide if you want that layer of protection—especially in areas where uninsured driving is common.

What Is a Named Driver Exclusion?

A Named Driver Exclusion is a policy rule that removes coverage for a specific person. If an excluded driver operates the vehicle and there is a crash, the insurer may deny the claim—even if the vehicle owner gave permission. This is one of the most important details to understand before you rely on a policy for real protection.

This type of exclusion can show up in households where someone has a poor driving history, a suspended license, or a newly licensed teen. It can also appear when a policy is purchased as “minimum coverage” primarily to obtain proof of insurance.

Because exclusions can create confusion, people sometimes try risky workarounds, like putting insurance in another person’s name. That can backfire fast. If you’re tempted to do that, read car insurance under a parent’s name first so you understand the risks and why insurers may deny claims if the setup doesn’t match reality.

Dealing With Loya Insurance Group Claims and “Lowball” Offers

When you file a claim, outcomes often depend on two things: (1) what the policy actually covers, and (2) how well the damage and injuries are documented. With minimum limits, there may simply not be enough coverage to pay for major losses. In other cases, settlement offers may feel low compared to repair estimates or medical bills.

If you’re seeing an offer that doesn’t reflect the real cost of damage, it helps to understand how “lowball” offers work and what documentation strengthens your position. This guide is useful: lowball offers and bad faith. Even if your claim isn’t formally “bad faith,” the checklist mindset (paper trail, timelines, estimates) helps you avoid preventable denials and delays.

Also consider your own protections. If the other driver’s policy has low limits or coverage gaps, your recovery may rely on your own uninsured/underinsured coverage. A quick way to think about it: the less coverage the other driver carries, the more your own policy matters.

SR-22, Lapses, and Staying Legal

Some drivers come into nonstandard insurance after an event that triggers an SR-22 requirement—such as driving uninsured, certain violations, or a license reinstatement process. The SR-22 is not an insurance policy by itself; it’s a filing that proves you carry the required liability coverage.

If you need it, start here: affordable SR-22 insurance in Texas. The biggest mistake to avoid is a lapse in coverage, because it can restart the compliance timeline and create more penalties.

Practical Tips Before You Buy a Policy

If you’re shopping in the nonstandard market, you’ll get better results by focusing on clarity instead of only the lowest monthly payment. Before you finalize anything:

• Confirm the exact liability limits and whether optional coverages are included or excluded.
• Ask whether any drivers are excluded and what happens if someone else drives your car.
• Get the deductible amounts in writing for any physical damage coverages.
• Save proof of payment and proof of insurance, especially if you are reinstating a license.

If your main goal is keeping payments manageable, this page can help you structure the policy in a budget-friendly way: how to afford Loya auto insurance rates.

Bottom Line

The Loya Insurance Group is best understood as a nonstandard insurance network designed for drivers who need accessible coverage, flexible payments, and fast proof of insurance—often when standard insurers won’t offer a good price. The upside is affordability and availability. The tradeoff is that many policies are built around minimum limits and may include exclusions that you must understand before you rely on them for real protection.

If you take one thing from this guide, make it this: verify your limits, verify exclusions, and document everything if you ever need to file a claim. That’s how you avoid the most common “surprises” people run into with nonstandard policies.