Fred Loya Insurance offers affordable car insurance customized to fit your needs, with policies issued the same day and no credit check required. They provide basic car insurance coverage including liability, collision, comprehensive, medical payments, personal injury protection, rental reimbursement, and roadside assistance. Customers get billed through straightforward payments by the due date, which can be made online using major credit cards. When you see a charge from them, it’s usually for your car insurance premium that keeps your coverage active.
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The cancellation process requires a written request that must be physically executed at a local branch, which adds a layer of inconvenience but is straightforward. This method restricts remote cancellations and requires visiting in person, making it moderately difficult for consumers.
Estimated Time
On average, it takes 10 minutes 00 10 minutes to cancel a FRED LOYA INSURANCE subscription.
How to Cancel FRED LOYA INSURANCE: Step by Step
If you purchased through FredLoya.com:
- Visit the nearest local branch of Fred Loya Insurance.
- Prepare a written cancellation request. Ensure it includes the following details:
- Your full name
- Your policy number
- Your contact information
- Any specific instructions related to the cancellation
- Submit the written request to the branch manager or an authorized representative at the local branch.
- Request a confirmation of cancellation from the insurance representative to ensure your request has been processed.
- Follow up with the local branch if you do not receive confirmation within a few days.
If you need assistance, here's how you can get in touch with FRED LOYA INSURANCE's support team.
Tips and Tricks for Getting a FRED LOYA INSURANCE Refund
- Cancel in person at a local branch as Fred Loya requires physical presence for cancellation, no online or phone cancellation accepted.
- Be prepared to face a $50 cancellation fee, which users often mention as a surprise or frustrating charge.
- Request a refund immediately after cancellation and be persistent; refunds typically come by mailed check taking about 1-2 weeks—no direct deposit option.
- Keep records of all payments and communications, as the company may claim unpaid fees or deny refund requests.
- Pay the current month’s premium if asked so they acknowledge your cancellation request. Sometimes they refuse to discuss cancellation until payment is made.
- Use firm, clear language like "I am canceling effective immediately," and mention you expect refund and no further charges.
- Prepare for poor customer service, including rude behavior and ignoring voicemails; escalate calmly to branch manager if needed.
- Cancel well before policy renewal or payment dates to avoid unwanted charges, as some report unexpected cancellations or charges before end of term.
- Do not rely on automatic refund or communication; follow up persistently until refund check arrives.
- Be wary of policy price increases and billing issues; monitor your account carefully prior to cancellation.
Why Do People Request Refunds from FRED LOYA INSURANCE
- Poor claim handling including delays, denials, or underpayment of claims.
- Unexplained policy rate increases causing dissatisfaction.
- $50 cancellation fee considered unreasonable by customers.
- High deductibles that exceed damage costs, making claims ineffective.
- Limited rental car reimbursements forcing customers to find cheaper options.
- Failure to pay promised refunds or rental payments after claims.
- Forced signing of documents that limit claims or payments during disputes.
- Non-matching policy coverage to what was quoted initially, leading to cancellations.
- Cancellation fees retained even when cancelling voluntarily or due to nonpayment.
- Poor communication such as not answering calls or emails.
- Having to pay out of pocket for repairs or car release fees despite having insurance.
FRED LOYA INSURANCE Refund Script
Script
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Dear FRED LOYA INSURANCE, Support,
I hope this message finds you well. I am writing to request a refund due to a billing issue that arose recently. I noticed an accidental charge on my account that I do not recognize, and I believe it may have been a mistake. I would greatly appreciate your assistance in processing this refund at your earliest convenience.
Thank you for your attention to this matter. I look forward to your prompt response.
Best regards,
FRED LOYA INSURANCE Refund Policy
Fred Loya Insurance requires written requests for policy cancellations, which can be submitted at any local branch for processing. Payments are due by 12:00 am MDT on the due date, and late payments may incur a late fee or lead to policy cancellation. There is no grace period for payment.
The Easiest Way to Get a FRED LOYA INSURANCE Refund
If you’re frustrated trying to cancel your subscription, membership, or bill from FRED LOYA INSURANCE—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
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