If you have an insurance policy, more than likely you can expect to be covered for your damages in the event of an accident. This coverage, can come in the form of medical expenses, lost wages, and even any pain and suffer the accident caused. However, insurance companies, like Fred Loya do not always offer full compensation for the damages that their policyholders have had to take on. In some instances, insurance adjusters will low ball any initial offer made for a policyholder, as they hope to spend as little money as possible in covering the damages endured. Thankfully, as a policyholder, you have every right to retain a lawyer who is an expert in fighting insurance adjusters, so that you can negotiate for a more suitable insurance claim. At Normandie Law Firm, one of the top firms in Los Angeles, our skilled attorneys have expertise in dealing with insurance companies like Fred Loya and can help you in receiving the best settlement amount possible. If you have any questions after reading this article, please feel free to reach out to our law offices for a free consultation by one of our expert attorneys with experience in Fred Loya Insurance cases.
Fred Loya Insurance Company
Based out of Texas, Fred Loya Insurance Company has 700 other offices scattered across Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Missouri, New Mexico, Nevada, Ohio, and Texas. Founded by a Hispanic cattle rancher, Fred Loya, in El Paso Texas in 1974, the company has gone on to be considered the 18th largest Latino-owned company in the United States. The insurance company started as a single storefront office and has expanded to more than 361 different agencies, across the country. Fred Loya Insurance Group agencies typically occupy a variety of locations such as shopping centers, grocery stores, street corners, and office buildings. Some places where these agencies are located include:
- Wal-Mart Super Stores
- Fiesta Marts
- Big 8 Food Source Stores
- Liborio Supermarkets
- Fiesta Whole Food
- Superior
- Cardenas
Fred Loya provides its policyholders with insurance coverage for car accidents, and other motor related collisions and damages. While they may claim to offer comprehensive coverage for individuals who have suffered from the damages of an auto collision, there is no guarantee that policyholders will receive a full settlement amount for the damages that they have sustained. However, policyholders have every right to sit down with an insurance claims adjuster and make an argument for a higher claim. Regardless if you’re looking to receive full compensation for your truck accident claim, car accident lawsuit, auto accident claim or motorcycle injury case, you have every right to negotiate with an insurance claims adjuster. When negotiating with an adjuster, it is in your best interest to seek the assistance of an accomplished attorney with expertise in Fred Loya Insurance injury lawsuits. An expert attorney will know the best negotiation tactics to use against Fred Loya Insurance and can ensure that you receive the compensation you deserve.
How To Negotiate An Injury Settlement Claim With Fred Loya Insurance Company
When clients typically seek out representation for their insurance claim case, they often ask our attorneys a series of questions that are quite similar to the questions of other clients. Some of these frequently asked questions include:
- Do insurance companies like Fred Loya have my best interest in mind?
- What are the best negotiation tactics to use against Fred Loya Insurance for a car accident?
- How do I negotiate with an insurance claim’s adjuster?
- How do I settle an accident injury claim with Fred Loya?
While it may seem as though insurance companies like Fred Loya are ready to provide all the compensation you require for your damages, they still operate like businesses. This means that they will do whatever it takes to ensure that they spend as little money as possible in awarding you compensation for your damages. This is why it is incredibly important to seek out a qualified attorney who has experience in negotiating with Fred Loya Insurance Company, as they will understand the ins and outs of reaching a successful claim amount. Some tactics these attorneys may use are listed below for your reference:
- Know what matters to your insurance adjuster: Even if your damages are quite extensive, insurance adjusters rarely care about your situation. They are most likely concerned about the financial status of Fred Loya; essentially how much money they are going to have to shell out to keep you satisfied. For this reason, it is, important to make your insurance adjuster aware of useful facts that would amount to Fred Loya paying a lot more money if they do not agree to your settlement amount. These facts can include things that would be useful in a trial setting, and also demonstrate that you are not going to settle your claim for much less than its worth.
- Expect the “back and forth,”: In almost all circumstances, your claim adjuster will likely reject your settlement offer at first. They will try and make a counteroffer that is far beneath your initial request for compensation. This tactic is common amongst insurance adjusters and is used to determine how much ‘fight’ you have in you, and whether the claim can be settled quickly. It is highly recommended that you ask your adjuster to justify the amount they are offering.
- Communicate your settlement offer to your adjuster: Once you have understood the size and scope of your losses, you should then use this information to arrive at a settlement amount that will adequately compensate you for your damages. This includes everything involved in your injuries, such as medical bills, ongoing treatment costs, pain and suffering, and a loss of wages. For instance, if you were involved in a car accident, when making your car accident settlement claim it is best to go beyond whether your vehicle was a total loss. Make an added effort to describe and calculate all the damages that were caused by accident.
As well as these helpful tips for negotiating with an insurance adjuster, an experienced attorney can represent you and your case effectively, ensuring a more positive outcome. While you have every right to negotiate with an insurance claims adjuster alone, you will more than likely end up with a settlement that still fails to satisfy your needs. For this reason, it is highly recommended that you seek adequate legal representation from an attorney with experience handling Fred Loya Insurance claims so that you can receive the settlement claim that can effectively cover the damages you have suffered, and live up to the coverage plan you originally purchased.
How Normandie Law Firm Can Help
Clients who file a claim with our skilled insurance claim attorneys could find the following damages fully compensable to you:
Past and Future Medical Bills- Loss of Wages
- Potential Loss of Future Wages
- Pain and Suffering
- Emotional Distress
- Punitive Damages
If you or a loved one feel as though you have been given an inadequate offer by your insurance provider, our experienced lawyers at Normandie Law Firm can help. At Normandie, our attorneys have years of experience in negotiating with companies like Fred Loya and have a track record of ensuring our clients receive all the resources they need to receive full compensation for their damages. While our law firm is based in Los Angeles, attorneys still practice in San Diego, Orange County, Riverside, Bakersfield, San Francisco, Fresno, Sacramento and throughout the state of California.
Zero Fee Guarantee-No Upfront Fees Ever
If you contact our top-rated law offices today, we can walk you through the complicated process of filing your claim completely free of charge. As a show this commitment to you and your case we offer our clients the benefits of a zero fee guarantee policy. Under our zero fee policy, all clients don’t pay for our services until their case is won. If you feel in need of a second opinion, second opinion case reviews are also free under this policy.
Free Second Opinions
Other attorneys will sign you up to their firm but will disappear once your name is on the paper as they are busy signing up more cases. In these instances, their business is based solely on volume and will attempt to sign up as many cases as possible. In turn, they will spend less time on cases resulting in severely reduced settlements. Our firm will not treat you like a number. We will be in communication with you throughout our lawsuit and will treat you like family. So if you already have an attorney don’t worry, we’ll give you a second review of your case 100% free of charge. Please, feel free to give us a call, and we can guide you down the path of receiving proper compensation for your damages. A lawyer experienced in Fred Loya Insurance cases will be able to take your call.
