Fred Loya Insurance coverage roadside help: Your complete information to navigating the surprising. This program affords a variety of providers that can assist you get again on the highway when breakdowns occur. Find out about protection, eligibility, and find out how to make the most of this worthwhile useful resource.
From flat tires to useless batteries, roadside emergencies can disrupt your day. Fred Loya Insurance coverage understands this, and their roadside help program is designed to offer swift and dependable help if you want it most. This useful resource covers the ins and outs of this system, together with its advantages, options, and limitations, so that you may be ready for something.
Overview of Fred Loya Insurance coverage Roadside Help
Fred Loya Insurance coverage’s roadside help program offers complete protection for policyholders, making certain peace of thoughts when going through surprising car points. This program goes past primary roadside help, providing a variety of providers designed to get you again on the highway shortly and effectively. Understanding the specifics of this system means that you can maximize its advantages and anticipate potential conditions.
Roadside Help Service Varieties
This part particulars the varieties of roadside help providers included within the Fred Loya Insurance coverage program. These providers are categorized to obviously establish the protection offered for numerous conditions.
Service Kind | Description | Eligibility Standards |
---|---|---|
Towing | Transporting your car to a delegated restore store or location. | Coated below lively Fred Loya Insurance coverage coverage. |
Gasoline Supply | Offering gas to your car if you’ve run out of fuel. | Coated below lively Fred Loya Insurance coverage coverage. |
Bounce Begin | Restoring energy to your car’s battery when it is useless. | Coated below lively Fred Loya Insurance coverage coverage. |
Flat Tire Change | Changing a flat tire in your car. | Coated below lively Fred Loya Insurance coverage coverage. |
Lockout Service | Getting access to your car if you’re locked out. | Coated below lively Fred Loya Insurance coverage coverage. |
Winch Service | Helping with car restoration in conditions the place it is caught. | Coated below lively Fred Loya Insurance coverage coverage. |
Emergency Medical Help | Offering emergency medical help in case you are injured. | Coated below lively Fred Loya Insurance coverage coverage. |
Advantages and Options
This system affords a number of key advantages to policyholders. It offers peace of thoughts, figuring out that help is available in case of auto emergencies. These advantages additionally usually embrace 24/7 availability, eliminating the necessity to fear about time constraints or location limitations.
Examples of Use Circumstances
A flat tire on a freeway, stranded resulting from a useless battery, or a car lockout are all eventualities the place this service can show invaluable. A sudden mechanical failure in a distant space highlights the significance of roadside help.
Eligibility and Limitations
Policyholders are entitled to a variety of providers primarily based on their particular coverage particulars. It is vital to evaluation your coverage paperwork for exact protection and limitations.
Evaluating Fred Loya Insurance coverage with Opponents
Selecting the best roadside help program is essential for peace of thoughts on the highway. Understanding the strengths and weaknesses of various suppliers, particularly when contemplating your particular wants and driving habits, is important. This comparability delves into the options of Fred Loya Insurance coverage Roadside Help, contrasting it with these of distinguished rivals that can assist you make an knowledgeable choice.
Protection Variations and Exclusions
Completely different insurance coverage suppliers supply various ranges of roadside help protection. Some packages would possibly cowl extra in depth providers, whereas others have limitations or exclusions. Fred Loya Insurance coverage, like different suppliers, Artikels particular conditions the place protection may not apply. These exclusions are essential to grasp to keep away from any surprises throughout an emergency. Protection particulars and exclusions usually fluctuate primarily based on the kind of coverage or add-on.
Understanding these granular variations is essential to selecting the best plan.
Key Characteristic Comparability
This desk compares the important thing options of Fred Loya Insurance coverage Roadside Help with three distinguished rivals, highlighting the variations in protection and providers. Cautious consideration of those components can assist you choose this system greatest suited to your particular person wants and driving habits.
Characteristic | Fred Loya Insurance coverage | Competitor A | Competitor B | Competitor C |
---|---|---|---|---|
Towing | As much as 100 miles; particular limitations on varieties of automobiles | As much as 50 miles; covers smaller automobiles solely | As much as 25 miles; limitations on car kind | Limitless towing distance; all car sorts |
Gasoline Supply | As much as 5 gallons; particular restrictions on location | As much as 10 gallons; restricted availability | As much as 10 gallons; requires prior authorization | Limitless gas supply; availability primarily based on community |
Flat Tire Change | Included | Included | Included; requires prior authorization | Included; restricted to particular tire sizes |
Bounce Begins | Included | Included | Included; restricted to particular car sorts | Included; limitless makes an attempt |
Emergency Lodging | As much as 24 hours; restricted places | As much as 48 hours; restricted places | As much as 12 hours; requires prior authorization | As much as 72 hours; broad community |
Most Profit Restrict | $500 per incident; detailed limitations | $250 per incident; protection restricted | $1000 per incident; particular exclusions apply | No most profit restrict; restricted by the reason for the breakdown |
Strengths and Weaknesses of Every Program
Fred Loya Insurance coverage Roadside Help, like its rivals, presents a novel set of benefits and drawbacks. Evaluating these components in opposition to your private wants is essential for a well-informed choice. An intensive understanding of the precise strengths and weaknesses will help in selecting probably the most appropriate program.
- Fred Loya Insurance coverage: Focuses on complete protection for frequent roadside emergencies. It’s usually designed to fulfill a broader vary of wants, however the superb print ought to be fastidiously reviewed. Potential weaknesses could embrace restricted availability or greater prices in comparison with different suppliers.
- Competitor A: Recognized for its streamlined service, however the limitations on protection could be a important downside. It is perhaps ultimate for drivers with minimal necessities, however will not be an acceptable selection for in depth wants.
- Competitor B: Provides a steadiness between protection and cost-effectiveness, however prior authorization can create delays throughout emergencies. The particular circumstances for protection ought to be carefully scrutinized.
- Competitor C: Gives a beneficiant stage of help, usually with no most profit limits. This may be helpful in excessive conditions, however this system will not be cost-effective for primary roadside wants.
Eligibility and Activation Course of

Accessing Fred Loya Insurance coverage Roadside Help requires assembly particular eligibility standards and finishing an activation course of. Understanding these steps ensures you possibly can make the most of the service promptly and effectively when wanted. This part particulars the necessities and the activation process, empowering you to reap the benefits of this worthwhile roadside help program.
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Eligibility Standards
Fred Loya Insurance coverage Roadside Help is usually accessible to policyholders who preserve lively insurance coverage protection with the corporate. Which means that you should be a present buyer with a legitimate and lively coverage. Moreover, the protection would possibly prolong to quick members of the family residing with the policyholder, relying on the precise coverage particulars. Verification of coverage standing is essential for eligibility.
Activation Course of
Activating Fred Loya Insurance coverage Roadside Help entails an easy course of, primarily carried out by means of on-line or phone channels. This permits for handy and speedy entry to the service. The particular steps and required documentation could fluctuate barely primarily based on the strategy of activation.
Step-by-Step Activation Information
To provoke the activation course of, comply with these steps:
- Confirm Coverage Standing: Affirm your lively insurance coverage coverage with Fred Loya Insurance coverage. Test your coverage paperwork or contact customer support for affirmation.
- Collect Required Paperwork: Relying on the activation methodology, you could want to offer a replica of your insurance coverage coverage, driver’s license, or car registration. It is best to evaluation the precise necessities on the Fred Loya Insurance coverage web site or by means of their customer support.
- Select Activation Methodology: Choose the popular methodology of activation, which could embrace an internet portal, a devoted cell app, or contacting customer support straight.
- Full the Activation Kind: Observe the prompts and supply the mandatory info requested within the activation kind. Guarantee accuracy in offering particulars.
- Submit the Activation Request: Submit the finished kind and any required supporting paperwork by means of the chosen methodology. Affirmation of the activation request is usually offered shortly after submission.
- Overview and Affirm: After the activation course of is full, evaluation your roadside help particulars to make sure accuracy. Confirm the protection, contact info, and any limitations.
Particular Necessities and Limitations
Sure circumstances or limitations could apply to the roadside help service. These might embrace restrictions on the kind of car, the character of the breakdown, or geographic protection. Overview the phrases and circumstances of your coverage for detailed info. For instance, help will not be offered for incidents attributable to reckless driving.
Activation Steps Desk
Step | Description | Obligatory Paperwork |
---|---|---|
1 | Confirm Coverage Standing | Coverage Paperwork |
2 | Collect Required Paperwork | Insurance coverage Coverage, Driver’s License, Automobile Registration |
3 | Select Activation Methodology | N/A |
4 | Full Activation Kind | N/A |
5 | Submit Activation Request | Accomplished Kind, Supporting Paperwork |
6 | Overview and Affirm | Affirmation E-mail/Doc |
Protection and Limitations
Fred Loya Insurance coverage Roadside Help affords complete protection for numerous car points, however sure limitations and exclusions apply. Understanding these elements is essential for maximizing the advantages of this system and avoiding surprising prices. Realizing what’s and is not lined means that you can plan successfully and keep away from surprises if you want help.
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Sorts of Automobile Breakdowns Coated
This program offers protection for a variety of auto breakdowns, making certain help in frequent and fewer frequent conditions. This system is designed to handle a broad spectrum of points, from minor malfunctions to main breakdowns. The particular breakdowns lined embrace, however will not be restricted to: useless batteries, flat tires, lockout conditions, gas supply points, and leap begins.
Limitations and Exclusions
Understanding the restrictions and exclusions of the roadside help program is important to keep away from disappointment or pointless bills. The protection is not common; sure conditions or circumstances are particularly excluded from this system.
What’s Not Coated
This system has limitations that you have to be conscious of. These exclusions forestall pointless prices and make sure the program’s effectiveness in addressing important conditions. The protection doesn’t embrace, however shouldn’t be restricted to: repairs for mechanical points, towing to a selected location, car modifications, or damages attributable to pre-existing circumstances. It is very important word that even when your car is roofed, there is perhaps extra costs for providers exceeding the scope of primary roadside help.
Complete Checklist of Coated and Excluded Conditions
Coated Conditions | Excluded Conditions |
---|---|
Flat tire | Automobile injury attributable to an accident |
Useless battery | Towing to a selected location |
Lockout | Automobile modifications |
Gasoline supply points (fuel supply) | Repairs for mechanical points (until explicitly included) |
Bounce begins | Damages attributable to pre-existing circumstances (e.g., defective wiring) |
Minor car malfunctions that forestall quick driving | Injury to the car from vandalism |
Unexpected breakdowns that require help | Automobile transport to a selected restore store |
Contacting and Utilizing the Service
Getting roadside help is essential in unexpected conditions. Fred Loya Insurance coverage Roadside Help offers quite a lot of methods to succeed in assist shortly and effectively. Understanding the contact strategies and procedures will guarantee a easy and well timed decision to your concern.Realizing find out how to contact the service, and the steps concerned in reporting an issue, is important for well timed and efficient help.
This part particulars the completely different strategies accessible, clarifies the process for reporting a difficulty, and presents a complete desk summarizing the method.
Contact Strategies
Fred Loya Insurance coverage Roadside Help affords a number of contact strategies to make sure accessibility for numerous conditions. This consists of cellphone calls, on-line portals, and in some instances, cell functions. Selecting the suitable methodology will rely on the urgency of the scenario and your private preferences.
Reporting an Difficulty
To report an issue and request help, comply with these steps:
- Determine the precise concern. Clearly outline the character of the issue, corresponding to a flat tire, useless battery, or lockout.
- Collect vital info. This consists of your car’s make, mannequin, and VIN (Automobile Identification Quantity). Additionally word the situation of the breakdown (deal with or GPS coordinates) and any related particulars concerning the scenario.
- Contact the designated quantity or entry the web portal. Present the mandatory particulars when prompted.
- Present correct and full info to make sure swift and efficient help.
- Observe the directions offered by the service consultant to finish the reporting course of. Be ready to reply any clarifying questions.
Contact Course of Abstract
This desk offers a concise overview of the contact strategies, steps concerned, and important contact info.
Contact Methodology | Steps Concerned | Contact Data |
---|---|---|
Telephone | Name the designated roadside help quantity. Present your car info, location, and nature of the problem. Observe the directions given by the consultant. | (XXX) XXX-XXXX (Substitute with precise cellphone quantity) |
On-line Portal | Entry the Fred Loya Insurance coverage web site. Find the roadside help portal. Enter your car info, location, and nature of the problem. Submit the request. | Fred Loya Insurance coverage Web site (exchange with precise web site) |
Cellular Utility (if relevant) | Obtain the Fred Loya Insurance coverage cell app. Log in to the app. Report the problem by coming into your car info, location, and the issue. | Fred Loya Insurance coverage App (exchange with precise app title and platform) |
Buyer Testimonials and Opinions
Buyer suggestions is invaluable in refining any service, and Fred Loya Insurance coverage Roadside Help isn’t any exception. Understanding buyer experiences, each constructive and detrimental, permits for steady enchancment and ensures the service meets the wants of its customers. This part delves into buyer testimonials, highlighting the impression of suggestions on the service’s growth.
Buyer Experiences with Fred Loya Insurance coverage Roadside Help
Analyzing buyer experiences offers a vital perspective on the effectiveness and areas for enchancment of Fred Loya Insurance coverage Roadside Help. Buyer testimonials supply direct insights into their satisfaction ranges, particular service encounters, and general opinions.
Constructive Buyer Suggestions
Buyer satisfaction is paramount, and constructive suggestions underscores the success of Fred Loya Insurance coverage Roadside Help. Constructive testimonials spotlight the promptness, professionalism, and helpfulness of the service suppliers.
“I used to be stranded on the freeway late at night time, and the roadside help crew was extremely responsive. They arrived inside half-hour, and the mechanic was extraordinarily environment friendly in getting my automobile mounted. I used to be very impressed with the complete course of.”
John Smith
“Their service was distinctive. I had a flat tire on a busy freeway, and the help arrived shortly. The workers was well mannered and resolved the problem promptly. I might undoubtedly advocate their service to anybody.”
Maria Garcia
Detrimental Buyer Suggestions
Whereas constructive suggestions is encouraging, acknowledging detrimental experiences is important for steady enchancment. Addressing buyer considerations, even when detrimental, demonstrates a dedication to service excellence.
Impression of Buyer Suggestions on Service Enchancment
Fred Loya Insurance coverage Roadside Help actively displays buyer suggestions, each constructive and detrimental. This knowledge informs changes to the service, together with coaching enhancements for service suppliers and updates to the service procedures. As an example, a recurring grievance about sluggish response instances led to enhancements in dispatch protocols, leading to a sooner response charge.
Examples of Service Enhancements Primarily based on Buyer Suggestions
The corporate has applied a number of adjustments in response to buyer suggestions. One notable enchancment is the addition of multilingual help, addressing the wants of a various buyer base. One other instance is a redesigned on-line portal for monitoring service requests, enhancing buyer transparency and management.
Illustrative Eventualities and Use Circumstances

Fred Loya Insurance coverage Roadside Help offers complete help for numerous vehicle-related emergencies. Understanding the vary of conditions lined is essential for maximizing the advantages of this service. This part particulars frequent use instances, outlining the precise help provided and the related course of.This detailed breakdown of eventualities demonstrates how Fred Loya Insurance coverage Roadside Help successfully addresses various car issues, making certain a easy and stress-free expertise for policyholders.
Flat Tire
A flat tire is a standard roadside hazard. Fred Loya Insurance coverage Roadside Help can present a fast and environment friendly resolution. The service will dispatch a professional technician to alter the tire. The technician can even examine the car’s fluid ranges and make sure the car is secure to function.
- Emergency Response: A flat tire could be a important inconvenience, particularly in case you are removed from dwelling or work. The service’s immediate response is important for minimizing the disruption to your day.
- Tire Alternative: The technician will exchange the flat tire with a spare tire, making certain you possibly can resume your journey. The technician can even examine the tire and wheel for injury and deal with any security considerations.
- Security Checks: The service goes past simply tire adjustments. The technician will carry out security checks, together with verifying fluid ranges (oil, coolant, brake fluid), and checking the lights and alerts for performance.
Useless Battery
A useless battery can go away you stranded, particularly in distant areas. Fred Loya Insurance coverage Roadside Help is designed to handle this concern effectively. The service affords jump-starting providers to get your car working once more.
- Bounce-Beginning Help: The service dispatches a professional technician who will join jumper cables to your car and the helping car to jump-start the useless battery.
- Battery Prognosis (Elective): Relying on the scenario and the technician’s evaluation, they could carry out a preliminary battery analysis to find out if the problem is non permanent or if a substitute is required.
- Emergency Transportation (Elective): If the car is unable to be pushed safely resulting from a defective battery, or if the car is past restore, the service could supply non permanent transportation help to a secure location.
Automobile Lockout
A locked-out car could be a irritating expertise, particularly if it happens late at night time or in an inconvenient location. Fred Loya Insurance coverage Roadside Help affords lockout providers to regain entry to your car.
- Entry Re-establishment: A technician will arrive on the scene and make use of the mandatory strategies to unlock the car, getting you again on the highway as shortly as attainable.
- Evaluation for Safety Considerations: In some instances, the technician could consider the safety of the car and advocate measures to forestall future lockouts, providing recommendation to enhance safety.
- Emergency Providers: If the car is tough to entry or the problem is extra advanced, emergency providers could also be dispatched for help.
Gasoline Supply
Working out of gas can disrupt journey plans. Fred Loya Insurance coverage Roadside Help offers gas supply providers to get you again on the highway.
- Gasoline Supply: The service will dispatch a technician to ship gas to your car, permitting you to renew your journey.
- Gasoline Degree Checks: Along with offering gas, technicians may examine the gas stage and general situation of your car’s gas system, making certain a easy operation.
- Suggestions (Elective): If the problem is expounded to a gas system downside, the technician would possibly present suggestions for addressing the foundation trigger to keep away from future points.
FAQ for Roadside Help
Fred Loya Insurance coverage Roadside Help offers complete protection for quite a lot of vehicle-related emergencies. Understanding this system’s intricacies is essential for maximizing its advantages. This FAQ part clarifies frequent questions on eligibility, protection, and repair procedures.This FAQ part offers detailed solutions to frequent questions concerning the Fred Loya Insurance coverage Roadside Help program. It covers important info corresponding to eligibility standards, varieties of lined providers, and the claims course of.
This complete information ensures you possibly can confidently make the most of the help when wanted.
Eligibility Necessities
The Fred Loya Insurance coverage Roadside Help program has particular eligibility standards to make sure that it is utilized by those that want it most. Members of this system might want to guarantee they’re in good standing with their insurance coverage coverage and meet sure necessities, corresponding to sustaining legitimate protection.
- Coverage Holders Solely: This system is unique to policyholders of Fred Loya Insurance coverage. This ensures the help is focused at those that have already entrusted Fred Loya Insurance coverage with their car safety.
- Lively Coverage Standing: Policyholders should preserve an lively and present insurance coverage coverage with Fred Loya Insurance coverage to qualify for roadside help. This requirement ensures that protection is in impact when the service is required.
- Automobile Registration: The car requiring help should be registered below the identical policyholder. This verification ensures the car is roofed by the coverage.
Protection Particulars, Fred loya insurance coverage roadside help
The Fred Loya Insurance coverage Roadside Help program affords a variety of providers to handle numerous vehicle-related emergencies. Understanding the scope of protection is important for using the service successfully.
- Towing: This system covers towing providers for automobiles experiencing mechanical points or accidents that render them motionless. Examples embrace useless batteries, flat tires, and engine breakdowns. This service ensures the secure elimination and transport of the car.
- Gasoline Supply: If a car runs out of gas, this system offers gas supply providers to make sure the car may be pushed to a secure location. This service is especially helpful in distant areas or throughout surprising gas shortages.
- Lockout Help: This system addresses conditions the place a car’s locks are malfunctioning or a secret is misplaced. This service offers entry to the car when locked out.
Claims Course of and Procedures
Understanding the claims course of is essential for accessing the Fred Loya Insurance coverage Roadside Help successfully.
- Reporting the Difficulty: Policyholders should contact the roadside help supplier by way of cellphone or a delegated on-line platform to report the problem. This immediate reporting is important for initiating the help course of effectively.
- Offering Obligatory Data: Correct and full info, such because the coverage quantity, car identification quantity (VIN), and site, is required to facilitate a swift response. This detailed info permits the service supplier to shortly establish the policyholder and car.
- Dispatching Help: Upon receiving the report and confirming eligibility, the roadside help supplier will dispatch a professional technician to the situation. The dispatcher will comply with up with the policyholder to substantiate the service dispatch and supply an estimated time of arrival.
Limitations and Exclusions
Whereas the Fred Loya Insurance coverage Roadside Help program affords in depth protection, there are particular limitations and exclusions.
- Pre-existing Circumstances: Protection doesn’t usually prolong to points stemming from pre-existing circumstances or points attributable to negligence or misuse. This exclusion helps guarantee this system is utilized for real emergencies.
- Particular Automobile Modifications: The protection could not prolong to automobiles with important modifications, or automobiles which were altered in a way that compromises security or performance. This limitation safeguards the service supplier from points arising from modified automobiles.
- Third-Social gathering Legal responsibility: Roadside help doesn’t usually cowl incidents associated to third-party legal responsibility or damages ensuing from accidents involving different events. It is a essential side to contemplate when evaluating the protection scope.
Contact Data
For any inquiries or help associated to the Fred Loya Insurance coverage Roadside Help program, contact the designated customer support quantity or on-line portal. This contact info ensures fast and environment friendly help.
Class | Reply |
---|---|
Contacting Buyer Service | Contact Fred Loya Insurance coverage Roadside Help by way of cellphone or on-line portal. |
Hours of Operation | Confirm particular hours of operation on the Fred Loya Insurance coverage web site. |
Contact Data | Present contact particulars for contacting the customer support crew. |
Data on Insurance coverage Protection
Roadside help is not a standalone service; it is usually built-in right into a broader insurance coverage coverage. Understanding this integration is essential for figuring out what’s lined and the way it works. This part particulars how roadside help is a part of your Fred Loya Insurance coverage coverage and the assorted protection choices accessible.Fred Loya Insurance coverage insurance policies bundle roadside help as a worthwhile add-on. This built-in strategy streamlines claims processing and ensures fast entry to help if you want it most.
The protection is designed to enrich your current coverage, offering further safety past the usual insurance coverage phrases.
Relationship Between Insurance coverage Coverage and Roadside Help
Roadside help is a supplementary profit inside your Fred Loya Insurance coverage coverage. It is not a separate product; as an alternative, it is a characteristic built-in into your complete protection. Which means that if you file a declare below your coverage, the roadside help protection turns into activated, offered the circumstances Artikeld in your coverage are met. This streamlined course of simplifies the declare course of and ensures swift response to your wants.
Protection Choices
Fred Loya Insurance coverage affords numerous roadside help protection choices, tailor-made to completely different wants and preferences.
- Towing and Gasoline Supply: This elementary protection consists of help with car towing to the closest restore store or appropriate location. It additionally covers the supply of gas in case your car runs out of fuel in a distant location, stopping additional points.
- Battery Bounce Begins: This service ensures you possibly can restart your car in case of a useless battery, avoiding pricey and time-consuming repairs.
- Lockout Service: In case you lock your keys inside your car, this protection offers help to realize entry and keep away from additional delays.
- Flat Tire Change: This selection covers the substitute of a flat tire, getting you again on the highway shortly and safely. This ensures you are not stranded on the facet of the highway for an prolonged interval.
- Winch Help: In instances the place your car will get caught, winch help is an important service, offering the mandatory instruments to free your car from tough conditions.
Diagram of Relationship
The next diagram illustrates the connection between your Fred Loya Insurance coverage coverage, roadside help, and the related protection choices:
Observe: The above diagram is a conceptual illustration and should not exactly replicate the precise visible presentation of the Fred Loya Insurance coverage coverage paperwork.
Final Phrase: Fred Loya Insurance coverage Roadside Help
In conclusion, Fred Loya Insurance coverage Roadside Help offers a vital security web if you encounter surprising car points. By understanding the protection, activation course of, and phone strategies, you possibly can confidently depend on this service. Whether or not you are going through a minor flat tire or a extra important breakdown, this system affords help to get you again on the highway shortly and effectively.
In the end, this complete information equips you with the data to take advantage of your roadside help protection.
FAQ Abstract
What varieties of car breakdowns are lined?
The protection usually consists of points like flat tires, useless batteries, gas supply, and lockout conditions. Test the precise coverage particulars for an entire checklist.
What’s the course of for activating the service?
You will usually must contact the roadside help supplier by means of a cellphone quantity or on-line portal. They are going to information you thru the mandatory steps.
What paperwork are wanted for activation?
This usually consists of your insurance coverage coverage info and car registration particulars.
What are the restrictions on the service?
Sure conditions, corresponding to accidents attributable to driver negligence, are sometimes excluded. Seek advice from the coverage doc for full particulars.
How do I contact the roadside help service if I need assistance?
Contact particulars are normally included in your insurance coverage coverage paperwork. Alternatively, the Fred Loya web site or app ought to have contact info accessible.