Complaint Review: Fred Loya Insurance

I was waiting in line at Starbucks drive-thru, a vehicle was pareked in front and behind me.  Fred Loya insurer comes against the line tries to cut line, sees a gap between my car and takes 25% of my car(T-bones my side front door and tire).  I submitted a claim Fred Loya adjuster Richard Salcedo and he indicated denial to my claim was due to driver inattention, improper lookout, improper start from a stopped position. I asked to explain how if I was in line waiting, parked in the drive thru lane.

So basically it was my fault for being in line at a drive-thru, and Im at fault for getting hit at a drive-thru while their insurer was not. I've looked at BBB complaints, at Consumer Affairs and they have significant valid complaints like mine. BBB have rated them with an F.  This is not a mexican thing, Im hispanic and have values,work  ethics, and feel this is wrong for the Texas Department of Insurance to allow them to be in business, they're scamming people and sit and do nothing. They have an ambigous name of Loya and Fred Loya to mislead people where to submit the claim.

I thought both were differenct comapnies which delayed my claim.  After diaagreeing with the adjuster he had the odacity to tell me it would cost more to hire a lawyer than to fix it myself ($421.21), and this is how they get away with it. It is such a small claim that they know we can't fight them. Keep complaining, keep reporting them to the Texas Department of Insurance, keep reporting to the BBB, keep reporting to these websites to make our voice louder. Class-action suits, contact me I have all my documentation. We have rights too!