Does Fred Loya Have Good Roadside Assistance?
Last Updated on November 16, 2022
Fred Loya is a niche insurer offering flexible payment options with no credit check required. If you are a Fred Loya policyholder, then you can contact Fred Loya’s roadside assistance hotline for roadside emergencies.
To contact Fred Loya’s roadside assistance hotline, call 888-248-8787 or use the Fred Loya mobile app.
Keep reading to find out everything you need to know about Fred Loya’s roadside assistance coverage and how it works.
Table of Contents:
- What Is Fred Loya?
- Available Fred Loya Insurance Coverages
- How Fred Loya Roadside Assistance Works
- How to Contact Fred Loya Roadside Assistance
- What Does Fred Loya Roadside Assistance Cover?
- Fred Loya Roadside Assistance Reviews: What Do Customers Say?
What Is Fred Loya?
Fred Loya is a car insurance company offering a range of insurance policies for drivers of all budgets. The company is known for offering flexible payment plans while giving insurance to drivers without a credit check.
Over 1 million drivers across the United States rely on Fred Loya. The company maintains 800+ offices in 12 states. You can buy Fred Loya insurance through three entities, including:
- Fred Loya Insurance
- Loya Insurance Company
- Young America Insurance
Fred Loya was founded in 1974 and has sold 4.5 million policies over the years. The company has 3,000+ employees across the country.
Available Fred Loya Insurance Coverages
Fred Loya offers a similar selection of car insurance products and coverages to other insurers, including everything from basic liability-only plans at cheap prices to full coverage plans for maximum coverage.
Available Fred Loya insurance coverages include:
- Liability coverage, including bodily injury and property damage liability coverage
- Medical coverage, including personal injury protection (PIP) and medical payments coverage
- Uninsured and underinsured motorist coverage
- Collision and comprehensive coverage
- Roadside assistance
- Rental reimbursement coverage
How Fred Loya Roadside Assistance Works
Fred Loya, like most insurers, allows you to customize car insurance based on your unique needs. You can buy a liability-only plan to buy the cheapest possible auto insurance coverage, for example. Or, you can buy a full coverage plan with plenty of perks.
Roadside assistance is an optional perk on all Fred Loya insurance policies. If you paid extra for roadside assistance, then your Fred Loya policy includes complimentary roadside assistance coverage. If you did not add roadside assistance to your policy, then you may not have coverage.
Here’s how Fred Loya explains its roadside assistance program:
“Roadside assistance covers costs related to towing services, fuel delivery, and flat tire repair.”
Fred Loya also claims its roadside assistance “covers the cost of towing your car to the nearest repair facility in case of non-accident car damage or a breakdown.”
Incidents covered by roadside assistance include flat tire repair, fuel delivery, and lock-out services.
Fred Loya does not provide additional upfront information about how its roadside assistance policy works, what’s covered, or any restrictions on coverage.
How to Contact Fred Loya Roadside Assistance
You can contact Fred Loya’s roadside assistance program in two ways:
- By phone at 888-248-8787
- Via the Fred Loya mobile app
After contacting Fred Loya, you may need to provide your name and location. Then, after verifying coverage, Fred Loya may dispatch an emergency technician to your location. That emergency technician can change or repair a flat tire, deliver fuel to your location (when out of gas), and help you regain entry to your vehicle if locked out, among other services.
If you already have roadside assistance on your Fred Loya policy, then your service call is complimentary. You will not pay any additional amount for your service call, nor will you need to pay the technician upon arrival at your location.
What Does Fred Loya Roadside Assistance Cover?
Fred Loya’s roadside assistance covers a standard number of roadside emergencies, including fuel delivery, flat tire changes, and more.
Here are some of the things covered by Fred Loya roadside assistance:
Vehicle Towing: Fred Loya’s roadside assistance covers the cost of towing your vehicle to the nearest repair facility (up to a certain mileage limit). If your vehicle breaks down on the side of the road and requires towing to a nearby repair facility, then you can make a claim through Fred Loya’s roadside assistance, and a tow truck driver will arrive at your location.
Flat Tire Assistance: Fred Loya’s roadside assistance comes with flat tire assistance, including tire repairs and flat tire replacements (assuming you have a spare tire). Fred Loya dispatches a technician to your location who can replace your flat tire with your spare tire, allowing you to drive to a nearby repair facility.
Fuel & Fluid Delivery: If you run out of gas or other fluids while driving, then Fred Loya can dispatch a technician to your location with enough fuel or fluid to reach the nearest service station. Typically, you need to cover the cost of the fuel itself, although the delivery of the fuel is complimentary.
Lockout Services: If you have locked yourself out of your vehicle, or if you’re unable to access your vehicle for any reason, then you can request lockout service via the Fred Loya roadside assistance program. A locksmith will arrive at your location to regain entry to your vehicle.
Dead Battery Jumpstarts: If your battery dies, then Fred Loya can dispatch a technician to jumpstart your vehicle and recharge your dead battery, allowing you to resume driving or drive to the nearest service station.
Basic Repairs & Service: Fred Loya’s roadside assistance may cover certain basic repairs and services. Sometimes called “mechanical first aid,” a standard roadside assistance policy could cover simple repairs and breakdowns, allowing you to resume driving to the nearest service station safely.
Fred Loya’s roadside assistance is available 24/7/365 across the United States. You can contact the company’s roadside assistance hotline for help at any time of day or night.
Depending on the service provided, your location, the towing distance, and other factors, you may need to pay extra for certain Fred Loya roadside assistance services. However, most standard service calls are complimentary.
Fred Loya Roadside Assistance Reviews: What Do Customers Say?
Fred Loya has mixed reviews online from customers for claims satisfaction and customer service. Generally, customers have average satisfaction with their Fred Loya insurance policy, and most customers have a similar average experience with their Fred Loya roadside assistance claims.
Consumer Affairs users awarded Fred Loya and their roadside assistance program with an average rating of 3.6 stars with 35+ votes, for example. The Better Business Bureau, meanwhile, has an average rating of 1 star out of 5 with 90+ customer reviews, along with an ‘F’ rating overall.
Fred Loya’s roadside assistance claim satisfaction also varies based on your location and local service provider. Fred Loya uses a network of independent service providers across the United States. Your satisfaction with Fred Loya’s roadside assistance can depend entirely on the service professional who responded to your call.
Final Word – Fred Loya Roadside Assistance
Fred Loya is a niche insurance company covering over 1 million drivers in select states. Along with a range of insurance products and coverage options, Fred Loya offers roadside assistance as an added perk.
Fred Loya’s roadside assistance program has average reviews. For a few extra dollars per month, Fred Loya’s roadside assistance covers basic service calls for towing, fuel delivery, flat tire changes, battery jumpstarts, and more.
To learn more about Fred Loya’s roadside assistance program or to add roadside assistance to your Fred Loya policy today, contact Fred Loya today.