Loya Casualty is a “low end” insurance carrier who signs up high risks customers for minimal coverage. Started by Fred Loya from Texas, he is now a very wealthy man. Loya Insurance takes the insured’s money and regularly chisels down claims.

Here is an example of a letter from Loya Insurance that we received from one of our subscribers regarding Loya’s amateurish reasons for denying an honest claim:

November 30 Survey Results Are in:

Q. On average, how much PI attorneys cut your fees?

In the largest insurance fraud case in California, federal authorities charged five with transferring thousands of patients for spinal surgeries over an eight-year period.

  Two of the defendants pleaded guilty, including Philip Sobol, MD orthopedist, 61 Studio City. The three other defendants have agreed to plead guilty and to cooperate with the government.

  Chiropractor Alan Ivar, 55, of Las Vegas, formerly of San Juan Capistrano owned serval businesses based in Costa Mesa, admitted that for over a decade he had an agreement with the owner of Pacific Hospital to refer patients in exchange for a monthly retainer. He has not been sentenced yet.

  Orthopedic surgeon, 55, Irvine admitted he failed to report income received from the kickback payments.

  Typically, the kickback was paid of $15,000 for each lumbar fusion and $10,000 for cervical fusions. Some patients lived hundreds of miles from the hospital. The hospital paid over $100,000 each month for kickbacks. Some contracts involved phony ‘lease’ agreements, or paid doctors to help ‘collect’ fees, or other ‘consulting’ contracts.

  Most of the surgeries took place at Pacific Hospital in Long Beach, plus Hawaiian Gardens hospital. Most charges were paid by California worker’s compensation system and the federal government.

What is not mentioned is the permanent damage to patients who did not need the back surgeries.