Beware of Fred Loya Insurance

COCautionI’m writing this blog to urgently warn you about an insurance company that is not only preying on low-income Coloradans, but is also creating hardship and, sometimes, life-altering situations for innocent victims of car accidents.

Fred Loya is the worst of the worst insurance companies. (And that is saying something for an industry filled with a lot of bad companies.) First, they target at-risk communities by selling their policies through used car lots and in low-income neighborhood grocery stores. They literally prey on disadvantaged people who see the low-cost insurance and think that they are purchasing protection. But Fred Loya disappears when claims are filed. (See the Yelp reviews below.) If your insurance company disappears when you make a claim, that is like having no insurance at all.

If your insurance company disappears when you make a claim, that is like having no insurance at all.

Additionally, Fred Loya claims to offer every kind of policy but they truly don’t; they only issue liability coverage for the bare minimum required by the State of Colorado: $25,000. This is not enough coverage. If you are insured by Fred Loya, assume that your other assets, such as your home, are at risk if you get in an accident because your policy is too low to cover most damages from an accident.

If you are covered by a different, respectable company, why should you care? Two reasons:

  1. Even if you have good insurance, if you get hit by a driver with Fred Loya insurance (a growing risk as the company expands in Colorado), you will likely never get what you need to replace your damage and healthcare costs.
  2. Our community’s at-risk populations are struggling enough as it is. We should all be angry at a company that makes life even harder for them.

But don’t take my word for it. The following reviews are directly from Yelp, where Fred Loya has a one-star rating.

“[Fred Loya] is by far the worst Company I have EVER dealt with. My wife was hit by one of their insured drivers almost a month ago. … I only have one piece of advice for anyone reading this, if you use them for insurance, you should really think about changing carriers. Imagine if they had to pay you for your car if it was damaged. If you get hit by one of their “insured” drivers, get a lawyer immediately.” — Brian, in Aurora

“Nope!!  DON’T………I repeat, DO NOT purchase Fred Loya for your car insurance.  This company is sneaky, shady, sheisty, low-down, conniving, uncaring, indifferent and predatory! SPREAD THE WORD!” — Darren in Denver

“I never write reviews unless I have something positive to say. I just think it’s a waste of time to write negative things about a company. This time, however, I must say it’s necessary for people to know how bad Fred Loya (for the most part) is. I won’t go into detail, but I will state that nobody that I spoke to in regards to a total loss claim had the decency to do their job. They were supposed to send a check to the finance company to cover the vehicle and they took over 5 months. As a result, my credit score went down due to the incompetence of these people. A process that should have lasted one week has taken them 5 months. I truly urge you to walk away from this company.” — Ruby in Denver

“[Fred Loya] has horrible response to customer’s claims. Allowing vehicles to sit for 7 to 10 days before coming to adjust so a vehicle can be repaired. Absolutely rude people like Melissa that simply don’t care about their policy holders nor the shops that are working to repair our mutual customer’s vehicles. RUN don’t walk away from these cheap skates.” — M. in Morrison

Again, please help to get the word out about this horrible company. And in the meantime, check your own policy to be sure you have enough UIM – underinsured motorist coverage – in the event that you are hit by one of these drivers. Call me if you have questions: 303-388-5304.

6th Avenue Biz — MoonDance Botanicals

MoondanceBotanicalNamed by Westword in 2013 as one of the “10 Best Shops on 6th Avenue,” MoonDance Botanicals offers our community unique products, services and travel opportunities!

Westword wrote: “MoonDance Botanicals is a boutique and spa specializing in products made from fresh, organic ingredients. The shop, open since 2002 in the building it shares with the trendy Table 6 restaurant, carries gourmet bath and beauty products. In addition to handcrafting its own product line, MoonDance Botanicals offers natural living classes, with curricula like hula-hoop crafting and natural liquid-soap making. Customers are included in the craft madness: The store features an “Artistic Alchemy” corner where patrons can design their own aroma-therapeutic pillows, potpourri and customized potions. Moon Dance is also available to host private spa parties that serve organic wine, cheese and chocolate to green-clay-masked guests.”

Owner Tonja Reichley is an herbalist and Ireland enthusiast.

At MoonDance, Tonja has created an extensive line of artisan bath and body products and herbal remedies including holistic face care, foot pampering, bath scrubs and salts, soap and cleansers, aromatherapies and organic herbal tea blends and tinctures. Tonja also teaches natural living/herbal classes at MoonDance Botanicals, across the Front Range and in Ireland. Her classes inspire the senses and focus on the use of herbs and aromatherapy for “living a more connected and radiant life.”

Visit MoonDance Botanicals and support a 6th Avenue business!

MoonDance Botanicals
601 Corona Street • Denver, CO 80218

“Nothing is impossible. The word itself says ‘I’m possible!’” ~ Audrey Hepburn

What Is Functional Fitness?

There’s a lot of talk these days about something called “functional fitness.” However, few people understand what it is and why it may be important. Even fewer know how to actually achieve functional fitness. Understanding what it is can help you integrate it into your daily life and your weekly workout routine.

HeavyBoxLifting_1115Functional fitness is a term used for exercises that train your muscles to work together in an effort to prepare them for common movements that you make during your day. For example, the basic squat is a functional movement. Each time you sit, you use the same muscles that you use when you perform a squat. Imagine your movements as you pick up a heavy box or a bag on the floor. Same muscles.

What about when you put away something in an overhead cupboard? You use your back, shoulders, and arm muscles. Functional fitness strives to improve how your muscles work together, including your strength.

Why Is Functional Fitness Important?

Most often, when people suffer from injuries at home, it’s because they have a weakness. For example, you pick up a heavy box off of the floor and your back spasms. Suddenly you are on the floor flat on your back with pain.

Rotator cuff injuries often happen with the most basic movements. You put a plate away on a high cupboard and suddenly you have intense shoulder pain. You’ve torn a muscle.

Functional fitness, when it’s added to your workout program, can reduce your risk of these types of injuries. It improves mobility, balance, and strength and makes life just a bit more manageable. It reduces the risk of falls and strengthens joints, ligaments, and tendons, too.

How Do You Add Functional Fitness to Your Day?

So how do you integrate functional fitness into your workout? Look to add movements that aren’t done in isolation. For example, a biceps curl is an isolated movement. Lunges, squats and shoulder presses are all movements that require using multiple muscle groups.

You can work on different muscle groups each day. For example, on Monday, Wednesday, and Friday you can work on lower body functional fitness. On Tuesday, Thursday, and Saturday you can work on upper body functional fitness.

Functional fitness is for everyone, regardless of their athletic ability. Add it to your workout today. You’ll be taking one powerful step toward overall health and reduced risk of injury as you age.