Have you been injured in a car accident in Dallas, Texas, and overwhelmed by the claims process with Fred Loya Insurance? Anderson Injury Lawyers can help when you call (214) 327-8000. We offer a free consultation with a Dallas car accident lawyer so you can understand your options and take the next steps with confidence.
Car accidents are stressful enough without the added strain of navigating an insurance claim. Fred Loya is known for low-cost policies, but many drivers find the claims process confusing and time-consuming. Here’s what to know about filing a car accident claim with Fred Loya and what to expect along the way.
Why Choose Anderson Injury Lawyers for Help With My Car Accident Claim in Dallas?
When you need guidance after a car accident in Dallas, Texas, Anderson Injury Lawyers offers the support and experience necessary to move your claim forward. Our firm provides comprehensive help for those facing challenges with Fred Loya Insurance.
Here’s why clients choose us when they need help:
- Since our opening, Anderson Injury Lawyers has helped victims of car accidents, including Fred Loya policyholders, recover compensation for medical bills, lost wages, and pain and suffering.
- Our firm has secured over $100,000,000 on behalf of injured clients.
- We’ve earned recognition from Super Lawyers and the Multi-Million Dollar Advocates Forum.
- Our Dallas car accident lawyers manage the entire process, including investigating your crash, identifying negligent parties, and gathering accident reports, medical records, and witness statements.
- We work with experts, calculate the value of your damages, negotiate with Fred Loya adjusters, and litigate when necessary.
If a Fred Loya claim becomes complicated, delayed, or undervalued, we step in to protect your rights and keep Fred Loya accountable. To learn more, call today to schedule a free consultation with a Dallas personal injury attorney.
Step 1: Report the Accident Immediately
Your priority is safety and medical care after a car crash. Once you are stable, Fred Loya requires prompt reporting of any accident, even if the damage seems minor. Reporting the claim promptly can preserve your rights and prevent Fred Loya from claiming that you delayed or withheld information.
You can report a claim to Fred Loya by:
- Contacting the claims department: Their general claims line is available 24/7 at 1-800-280-1466. A representative will open your claim and give you a claim number.
- Submitting details online: Fred Loya’s website allows you to start the process online if you prefer not to call.
- Visiting a local office: You can report the accident where you purchased the policy if you did so in person.
After reporting your accident, write down your claim number, the representative’s name, and any instructions they give you. These details help you stay organized and avoid disputes later in the process.
Step 2: Gather and Preserve Evidence
Fred Loya adjusters will rely heavily on documentation to decide who is at fault and how much they are willing to pay. The more evidence you have, the stronger your claim. Helpful evidence includes:
- Photos and video of the accident scene: Capture vehicle damage, road conditions, traffic signals, debris, and visible injuries.
- Contact information for witnesses: Independent witnesses can support your version of events when the insurer disputes liability.
- Police report: A police report adds credibility to your claim and may include diagrams, driver statements, and preliminary fault decisions.
- Medical records: Even “minor” injuries should be documented so Fred Loya cannot claim your pain suddenly appeared later.
Keep everything in one folder so you have it ready when adjusters start asking questions.
Step 3: Cooperate Carefully With the Claims Adjuster
Shortly after the accident is reported, a Fred Loya adjuster will reach out for more details. It is important to cooperate, but you should do so carefully. Insurers look to use your statements against you to reduce or deny your claim.
Adjusters may request:
- A recorded statement: You are not legally required to give a recorded statement to another driver’s insurer, and even your own insurer’s questions can be phrased in ways that harm your case.
- Access to your medical records: Only provide records related to the crash. Adjusters often request broad access to hunt for pre-existing conditions.
- Photos or estimates of vehicle damage: Provide accurate information, but do not downplay your injuries or the extent of your losses.
Speak with a Dallas car accident lawyer if anything feels uncomfortable, or if the adjuster pressures you to settle quickly.
Step 4: Track All Medical Treatment and Expenses
Fred Loya will not accept your word alone when it comes to economic or non-economic damages for medical bills, pain, or long-term recovery. They require detailed proof of every treatment, cost, and follow-up appointment.
Keep track of:
- Emergency room and urgent-care visits
- Primary care and specialist appointments
- Diagnostic tests (MRI, X-ray, and CT scans)
- Physical therapy and rehabilitation
- Prescription medications
- Mileage to and from appointments
Detailed documentation helps maximize the value of your injury claim and prevents the insurer from arguing that your treatment was unnecessary.
Step 5: Be Cautious With Low Settlement Offers
Fred Loya is known for offering low or quick settlements, often before the full extent of injuries is known. Accepting early may prevent you from recovering fair compensation later, especially if you develop delayed symptoms such as back pain, neck injuries, or concussion-related problems.
Before accepting any settlement:
- Review all medical records and bills
- Consider future treatment needs
- Factor in lost wages or reduced work capacity
- Think about pain and suffering
You typically cannot reopen your claim once you have accepted payment and signed a release, even if your condition worsens.
Injured in a Car Accident? Schedule a Free Consultation With Our Dallas Car Accident Lawyers
Filing a car accident claim with Fred Loya requires careful communication and documentation of your injuries and losses. Following the steps above can help you protect your rights and improve your chances of receiving a fair settlement after an accident in Dallas, Texas.
If you or a loved one has been injured in a car accident and needs to file a car accident claim with Fred Loya, a Dallas car accident lawyer can help. Call Anderson Injury Lawyers to schedule a free consultation today.