It’s highly advisable not to work with Loya Insurance directly in these circumstances. Instead, you should strongly consider reviewing your case with an attorney. They’ll help you guard against Loya Insurance’s self-serving tactics.

Secrets of the Loya Insurance Claims Process

Insurance companies aren’t motivated to pay claimants an appropriate amount of compensation when they file claims against them. As is the case in all industries, these businesses want to make and keep as much money as possible. That’s why they employ various tactics to limit the sums they pay. These include:

  • Delay: You may be able to reach what you consider a fair settlement with an insurance company. However, even if you do, they’ll often make you wait a very long time before you actually receive payment.
  • Deny: It’s crucial to understand that you don’t need to answer an adjuster’s questions when they contact you. Adjusters ask questions to look for reasons they can argue you’re not insured in this particular scenario. If they can’t find a reason to deny your claim altogether, they’ll still look for reasons to justify their lowball offers.
  • Defend: Very often, insurance companies will force claimants to take them to court instead of compensating them properly.

Loya Insurance is no different. Their adjusters are encouraged to protect the company financially. They’re not encouraged to act in the best interests of claimants. While an adjuster will usually pretend to be on your side, they simply want you to feel comfortable speaking with them.

You’re better off allowing an attorney to handle all communications. This reduces your chances of accidentally saying something that will harm your claim. As examples such as the one described below demonstrate, an attorney’s expertise can play a critical role in whether you receive fair compensation.

Loya Insurance Accident Claim Case Study

 

City of Carrollton v. Fred Loya Insurance Company illustrates the degree to which an insurer will try to avoid compensating claimants. In this case, a city employee was injured in a collision with a motorist who had recently been added back on her family’s policy with Loya Insurance.

The City of Carrollton filed a claim against Loya Insurance, but, citing vague timeline details, Loya Insurance argued they did not have to pay because the other motorist’s coverage under her parents’ policy hadn’t taken effect yet. The trial court initially sided with Loya, granting a motion summary judgment in their favor, but with the help of an attorney, the City convinced an appeals court to reverse this decision.

Had the City not coordinated with an attorney, they would not have been able to successfully continue pursuing compensation. While you’ll hopefully never find yourself in this type of situation, if you do, you should also enlist the help of a lawyer.