Does Fred Loya Have Good Roadside Assistance?
Last Updated on January 12, 2026
Fred Loya is a niche insurer known for flexible payment options and marketing that emphasizes no credit check auto insurance. If you added roadside assistance to your policy, you can request help for common roadside problems like towing, lockouts, fuel delivery, and flat tire service.
Fred Loya roadside assistance phone number: 1-855-548-5626. You may also be able to request help using the Fred Loya mobile app.
Keep reading to learn how Fred Loya roadside assistance works, what it typically covers, and the limits to watch for before you need a tow.
Our Rating of Fred Loya Roadside Assistance
3.6
out of 5
★★★★☆
Summary
Bottom line: Fred Loya roadside assistance can cover basic service calls if you added the option to your policy, but published benefit limits are sparse and vendor experience can vary by area.
If your policy includes the add-on, you can typically request service by phone (888-248-8787) or through the Fred Loya mobile app, and dispatch is commonly handled through third-party providers. Benefits generally include towing for non-accident breakdowns (often to the nearest repair facility), lockout service, jump starts, flat tire help, and fuel or fluid delivery, although you may still be responsible for certain costs like the fuel itself or anything beyond plan limits. Because mileage caps, dollar limits, and exclusions are not consistently spelled out online, your declarations page and policy documents are the best place to confirm what is included before you need help.
Best for
- Fred Loya policyholders who already added roadside assistance and want a built-in dispatch option
- Drivers who prefer 24/7 access via a dedicated hotline or mobile app
- Common breakdown needs like lockouts, jump starts, fuel delivery, and flat tire assistance
Not ideal for
- Drivers who need long-distance towing or destination-of-choice towing
- Anyone who wants clearly published, standard mileage or dollar caps before enrolling
- People who prioritize highly consistent arrival times and service quality across locations
- Our Rating of Fred Loya Roadside Assistance
- What Is Fred Loya Insurance?
- Fred Loya Coverage Options You Can Typically Add
- How Fred Loya Roadside Assistance Works
- How to Contact Fred Loya Roadside Assistance
- What Fred Loya Roadside Assistance May Cover
- Fred Loya Roadside Assistance Reviews and Customer Experience
- Final Word on Fred Loya Roadside Assistance
- FAQs on Fred Loya Roadside Assistance
What Is Fred Loya Insurance?
Fred Loya Insurance Group markets auto policies for drivers of all budgets, with a focus on accessibility and flexible payment plans. The company also operates through related entities (including Loya Insurance Company and Young America Insurance) for certain policies and claims handling.
Availability varies by location. Fred Loya sells policies in select states and operates a large network of neighborhood offices (often in retail settings). For the most accurate details on your policy, your declarations page and policy booklet are the source of truth.
Fred Loya Coverage Options You Can Typically Add
Coverage choices depend on your state and policy form, but Fred Loya generally offers common auto insurance building blocks and add-ons, including:
- Liability coverage (bodily injury and property damage)
- Medical coverages such as personal injury protection (PIP) or medical payments (MedPay)
- Uninsured/underinsured motorist coverage
- Physical damage coverages like collision and comprehensive
- Emergency roadside assistance (optional)
- Rental reimbursement (optional)
How Fred Loya Roadside Assistance Works
Roadside assistance is usually an optional add-on. If you purchased it, your policy may include roadside assistance coverage for certain service calls. If you did not add it, you can still arrange a tow or locksmith on your own, but you’ll generally pay out of pocket.
Fred Loya describes its roadside assistance as covering towing to the nearest repair facility for non-accident breakdowns, along with services like flat tire repair, fuel delivery, and lockout service. Exact limits (miles, dollar caps, number of events, and exclusions) can vary by state and policy form.
Quick tip: If you’re in an accident, injured, or in an unsafe location, call 911 first. Roadside assistance is for breakdown-type issues—not emergency medical or police response.
How to Contact Fred Loya Roadside Assistance
You can request roadside service in these common ways:
| Request Method | How to Use It | What to Have Ready |
|---|---|---|
| Phone | Call 1-855-548-5626 | Policyholder name, policy number (if available), exact location, callback number |
| Mobile App | Use the Fred Loya app (if available in your area) | Login details, location services enabled, vehicle information |
After you request help, you’ll typically be asked for your location (as precisely as possible), a description of the problem, and confirmation that your policy includes roadside assistance. Service is commonly provided through third-party vendors, so arrival time and service quality can vary by area and time of day.
What Fred Loya Roadside Assistance May Cover
Roadside assistance benefits vary by policy and state, but these are the services Fred Loya commonly lists as included.
| Service | What It Usually Helps With | Common Limits to Ask About |
|---|---|---|
| Vehicle Towing | Tow to a repair facility when your car won’t drive | Mileage/dollar cap, where the car can be towed, after-hours pricing, heavy-duty exclusions (if any). Related: does car insurance cover towing? |
| Flat Tire Service | Swap a flat with your spare or basic assistance | Spare tire required, roadside tire repair vs. change. Related: flat tire coverage |
| Fuel Delivery | Bring enough fuel to reach a nearby station | Whether you pay for fuel, delivery distance/time limits. Related: gas delivery coverage |
| Lockout Service | Help you regain entry if you’re locked out | Dollar cap, excluded situations (e.g., broken key extraction). Related: locksmith coverage |
| Jump Start | Boost a dead battery so you can drive | Service-call limits, whether towing is needed after a failed jump. Related: jumpstart coverage |
| Basic Mechanical First Aid | Minor roadside help for breakdown-type issues | What’s excluded, whether parts/fluids are covered. Related: breakdown coverage basics |
Important: Even with roadside assistance, you may still pay out of pocket for certain items (like the cost of fuel), services beyond plan limits, or special situations (like off-road recovery). Ask the dispatcher what’s covered before a provider is sent.
Quick tip: When you request a tow, ask whether the plan requires “nearest repair facility” or allows a destination of your choice. That one detail can determine whether extra miles are out of pocket.
Fred Loya Roadside Assistance Reviews and Customer Experience
Customer experience can vary widely because roadside service is typically fulfilled by third-party vendors. In general, online feedback for Fred Loya as an insurer is mixed, with complaints frequently focusing on claims communication and service consistency.
If you’re researching reputation, it helps to review multiple sources and focus on patterns (not a single review). You can start with the Better Business Bureau profile and an independent insurer review summary:
- BBB Business Profile: Fred Loya Insurance, LP.
- The Zebra: Fred Loya Insurance Reviews and Coverage Options
Final Word on Fred Loya Roadside Assistance
If you added roadside assistance to your Fred Loya policy, it can be a convenient way to get help for common problems like towing, lockouts, and jump starts. The most important thing is knowing your limits—mileage caps, service-call limits, and any exclusions—before you need help on the shoulder of the road.
For roadside help, call 1-855-548-5626, and keep your policy number and location details handy.
