This is the most pathetic company known to man. I agree with the other review that you better pray to your deity you never get into a wreck with someone who has Fred Loya. Was rear-ended 2 months ago by someone insured through them, they offered $200 for a bumper and sent me a check. I took it to a shop, come to find out the frame is bent on the vehicle. They tell me $1,000 to repair (the mechanic shop) so I send that into Fred Loya, they send the same adjuster and he tells me it'll be a total loss. They make the truck a total loss, 2 months later the truck is now repairable after I threaten Small Claims (After offering only $4,000 on a $7,000 vehicle). Now I am fighting to take it back to a total loss because a bent frame is unsafe and the vehicle value will be gone with a bent frame that's been fixed. The adjuster I was given has been the rudest person I have ever spoken with. I had to speak with his supervisor the first time he acted like he did. (This was when it was a $200 offer) .... Then they made it a total loss and I got someone else in the total loss department, then back to this person again when it became repairable and I had to speak with his supervisor again. This is the worst company I have ever dealt with and if you do get in a wreck, expect to go to court. They will try to rip you off at every corner. They use CCC One to get the value on your vehicle, be aware of the vehicles that are selling in your surrounding area, they will drop the value on the vehicle that is worth the most in the "mileage" area hoping you won't notice. The vehicle they compared it to had 126K miles, at a value of $8,000 and tried to drop it in value over $2,000 for 126K miles (For the year model the price should of went UP $$750 or so) but the other truck that had 210K miles went up in value from it's original of $4,000 to $4,210 (210K added $210 and 126K reduced another vehicle over $2,000, how does that make sense!?) ...... Be wary and watch out, they will try to rip you off. I cannot stand this company and when you are hit by someone with Fred Loya, please feel free to take it to a shop and see what they have to say about Fred Loya. Heck, ask around town before even purchasing from them about how "good" they are. Everyone will laugh and tell you how bad they truly are.