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FRED LOYA CLAIM? WHICHEVER SIDE YOU’RE ON.

Your Fred Loya policy — or their driver hit you. Either way, we handle it. Direct billing on first-party claims, documented third-party claims against Loya-insured drivers, supplements at teardown, free loaner cars, written lifetime warranty. Young America policies handled identically. Texas Insurance Code §1952.301 keeps the shop choice yours — and yes, se habla español: esta página en español →

Start My Fred Loya Repair Liability Policies, Explained Honestly
Both doors handled — policyholder claims and hit-by-their-driver claims
Young America paper handled identically — same group, same line
Full service in Spanish — sales to claims, both languages
4.9★ · 500+ Google reviews · since 1978
Customer's Honda Accord after front-end collision repair at DG Collision Center in Lewisville TX — an insurance claim billed direct to the carrier
TL;DR

Fred Loya claims come through two doors, and this page serves both. Door one — you’re the policyholder: file at 1-800-880-0472, hand us the claim number, and we bill Loya directly — teardown documentation, one comprehensive supplement, genuine parts argued under Texas Insurance Code §1952.301, your out-of-pocket is your deductible, once. It doesn’t matter whether your card says Fred Loya, Loya Insurance Company, or Young America Insurance — they’re the same El Paso group, founded in 1974, claims through the same line, and we handle all three identically. One honest caveat their agents will confirm: if your policy is liability-only — and many Loya policies are — it pays for the other person’s car, not yours; our liability-only guide walks what that means before you’re standing in our lobby learning it. Door two — a Loya-insured driver hit you: your claim runs against their liability coverage, and Loya’s own claims pages publish the pace to expect — a liability adjuster contacts you within 24 hours of the loss report, and a staff appraiser within 72 hours if your car isn’t drivable. Third-party claims move at the speed of documentation and patience; ours arrives as teardown photos and itemized findings, and if you’d rather not wait on the liability process, your own collision coverage can pay first while subrogation recovers your deductible — the not-my-fault guide maps both routes. And in both doors, both languages: Fred Loya’s branches serve their customers in Spanish, and so do we — se habla español, and this entire page exists en español. Free loaner from our 50+ fleet, written lifetime warranty, Lewisville since 1978.

  • Two doors, one shop — Loya policyholders get direct billing; people hit by Loya drivers get documented third-party claims. Both handled here, start to finish.
  • Young America is Fred Loya — same El Paso group, same claims line (1-800-880-0472), handled identically.
  • Liability-only honesty — many Loya policies pay for the other car, not yours. Know which door you’re in before the tow truck decides for you.
  • Their own published pace — adjuster contact within 24 hours, appraiser within 72 if undrivable. Documentation is what keeps a third-party claim moving after that.
  • Both languages, genuinely — se habla español at every step, and this page has a full Spanish twin.
  • One number out of pocket — your deductible, once, on first-party claims; on accepted third-party claims, typically nothing.

Reviewed by Shah Jiwani · Owner, DG Collision Center Updated I-CAR Gold Class · PPG Certified

How Fred Loya Claims Work At An Independent Shop

If you’re the policyholder: file the claim at 1-800-880-0472 — the group’s claims line for Fred Loya, Loya Insurance Company, and Young America policies alike — then hand us the claim number and we take it from there. Direct billing, complete teardown documentation, one comprehensive supplement with photos and OEM procedures attached, and every adjuster conversation handled for you. You pay your deductible; Loya pays the approved balance straight to us. Loya built its business on storefronts everywhere — shopping centers, grocery stores, street corners, more than 800 offices across a dozen states from its El Paso home — so odds are your agent is minutes away; the repair should be just as close.

If a Loya-insured driver hit you: you’re in the second door — a third-party liability claim — and it pays to know the published pace. Loya’s own claims pages say a liability adjuster will contact you within 24 hours of the loss report, and a staff appraiser will reach you within 72 hours to estimate the damage if your car isn’t drivable. Liability claims also require Loya to confirm their driver was at fault and covered before anything gets paid — that’s every carrier’s process, not a Loya quirk — so the two things that keep your claim moving are documentation and a second route: our teardown file gives the appraiser numbers that hold up, and if the liability process runs slower than your life can wait, your own collision coverage can pay first while subrogation recovers your deductible. The not-my-fault guide and the deductible-back guide map both routes honestly.

And in both doors, both languages: Fred Loya serves its customers in Spanish at every branch — it’s part of why the company grew — and so do we, from the first phone call to the final walkaround. Se habla español, y esta página completa existe en español.

Liability-Heavy Policies — What That Means For Repairs

What Loya sells best: affordable liability coverage — the legal minimum that keeps Texans driving. There’s no famous repair network to explain on this page, because Loya’s model isn’t built around one; it’s built around low premiums, neighborhood storefronts, and Spanish-language service. That model works for a lot of people — and it comes with one piece of fine print that matters enormously at a body shop.

The fine print: liability pays for the other car. If your Loya policy is liability-only — and many are — it covers the damage you cause to others, not the damage your own car takes. When your car is the one that’s hurt, the money comes from the at-fault driver’s carrier (if the crash wasn’t your fault) or from your own collision or comprehensive coverage (if you bought it). Nobody should learn this standing in a shop lobby, so our liability-only guide walks every scenario before you need it — including the cash-repair path when there’s no coverage to bill at all, priced honestly from our published cost tables.

Where your rights live: whichever door you’re in, the shop choice is yours. First-party claims are protected by Texas Insurance Code §1952.301 — no carrier can steer you or restrict parts by brand or condition — and on third-party claims, the at-fault carrier has even less say over where your car gets repaired: it’s your car, their liability. Our repairs carry a written lifetime warranty either way, from the shop that did the work. If anyone leans on your choice, the shop-choice guide has the exact scripts.

Your Fred Loya Claim, Step By Step

Claim Stage
What Loya Does
What We Do
1. Report the loss
1-800-880-0472 — one line for Fred Loya, Loya Insurance, and Young America policies
Nothing yet — or call us first and we’ll help you sort which door your claim is in
2. Adjuster contact
Liability adjuster contacts you within 24 hours of the report — their published standard
Send us the claim number and photos; we schedule drop-off and your free loaner
3. Appraisal
Staff appraiser within 72 hours if the car isn’t drivable — visible damage only
Treat it as an opening number; our teardown documents what the walk-around can’t see
4. Supplement
Adjuster reviews the documented findings
One comprehensive, photographed supplement — itemized against OEM procedures; we handle every follow-up
5. Repair & delivery
Pays the approved total — minus your deductible on first-party claims; typically nothing out of pocket on accepted liability claims
Repair, refinish, post-repair scan, in-house ADAS calibration, detail, delivery — with our written lifetime warranty

The stage that decides your experience is #3 — the appraisal. A walk-around estimate prices what’s visible, in any language; the teardown prices the repair. The mechanics live in our supplements guide and on the collision repair page.

Have A Fred Loya Claim Number Already?

That’s all we need — yours or the other driver’s, Young America included. Call or text it over with a couple of photos; we’ll sort which door you’re in, schedule drop-off, and reserve your free loaner. En español si prefiere.

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Common Questions

FRED LOYA CLAIMS FAQ

Report it to Loya at 1-800-880-0472 with the other driver’s policy information, then expect the pace their own pages publish: a liability adjuster contacting you within 24 hours, and a staff appraiser within 72 if your car can’t drive. Liability claims pay only after Loya confirms their driver was at fault and covered — every carrier works this way — so documentation is your leverage, and ours is thorough. If the process runs slower than your life can wait, your own collision coverage can pay first while subrogation recovers your deductible. The not-my-fault guide maps both routes, and we run either one from here.
Yes — on both sides of the claim. Policyholders get direct billing, teardown-documented supplements, and every adjuster conversation handled; people hit by Loya-insured drivers get a documented third-party claim that holds up. We’re an independent shop with no carrier partnerships — the documentation works for whoever owns the car in our bay.
Yes. Fred Loya’s policies are underwritten by Loya Insurance Company and Young America Insurance — two names, one El Paso group, founded in 1974 and grown to more than 800 storefront offices across a dozen states. Claims for all of them run through the same line, 1-800-880-0472, and we handle every one identically: same direct billing, same documentation, same rights under §1952.301.
The honest answer nobody should hear for the first time in a shop lobby: liability coverage pays for the other person’s car, not yours. If the crash wasn’t your fault, the at-fault driver’s carrier owes for your repair; if it was — or the other driver is unknown or uninsured — your own collision or comprehensive coverage pays, and if you didn’t buy those, the repair is a cash conversation we price honestly from our published cost tables. Our liability-only guide walks every scenario, in plain words, before you need them.
No. On your own policy, Texas Insurance Code §1952.301 makes the shop choice a legal right no adjuster can override — and on a third-party claim against a Loya driver, the at-fault carrier has even less say: it’s your car and their liability. Tell them “I’m using DG Collision Center in Lewisville” and the claim proceeds the same — same coverage, same math.
No. A walk-around appraisal prices what’s visible from the outside — and front-end hits especially hide their real damage behind the bumper cover: absorbers, brackets, condensers, sensor mounts. Hidden findings get documented at teardown and paid through supplements on the same claim; we submit them with photos and OEM procedures attached, and on moderate-and-above repairs the final total routinely lands well past the first number. That’s true in either door, in either language.
Sí — de la primera llamada a la entrega final. Fred Loya atiende a sus clientes en español en cada sucursal, y nosotros igual: presupuestos, reclamos, supplementos y toda la comunicación con el ajustador, en su idioma. Y esta página completa existe en español — con los mismos datos, los mismos derechos y el mismo teléfono: (972) 219-0864.
On your own policy: your deductible, once — Loya pays the approved balance directly to us, and on qualifying claims, deductible assistance is legal on Texas auto repairs with honest billing (our deductible guide explains the mechanism). On an accepted third-party claim against a Loya driver: typically nothing out of pocket at all. Either way, a free loaner from our 50+ fleet carries you for the full duration of the repair, no day limit — no rental coverage required.

Free · No Obligation

START YOUR FRED LOYA REPAIR

Claim filed or not — tell us what you drive and what happened, and we’ll call back with the real number and next steps.

Prefer to talk now? Call (972) 219-0864 · or text us photos

Fred Loya®, Loya Insurance Company, and Young America Insurance are trademarks of their respective owners within the Loya Insurance Group. DG Collision Center is an independent repair facility and is not affiliated with, sponsored by, or endorsed by Fred Loya Insurance. References are for factual identification only.

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