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Frequently Asked Questions

CLAIMS

Are personal items that are stolen from your vehicle covered?

Do you cover rental cars?

How can I check the status of my claim?

How do you file a claim?

Is flood damage covered?

EXISTING POLICY

How do I change my billing address?

I turn 25 soon; does my insurance monthly payment go down?

Why did my premium increase?

GENERAL

Can I change personal information on the web site? Example... address, phone, etc...

I want to cancel my policy. What do I need to do?

If I lend my car to a friend and they cause an accident, will the insurance pay on the accident?

Is there a grace period on my policy?

Is there a way to pay my insurance online?

What does my Liability insurance cover?

What is the cost associated to get a policy with Fred Loya Insurance?

What is the coverage required by the State of Texas?

What is the coverage the lien holder requires if the vehicle is being financed?

What type of insurance do I need, in order to insure my vehicle for damages & repair if in a auto accident?

STARTING A NEW POLICY

Do you use my credit information to give me a rate?

Does my liability insurance cover my medical bills?

How long has Fred Loya Insurance been on business?

How many cars can I have on my policy?

What do I need to bring when I go into the office to purchase my policy?

What does 20/40/15 mean exactly?

What is full coverage?

What type of coverage will I need to have if my car gets stolen?