Key takeaways
- Match the NAIC on the declarations page to the paper table below. Same brand, several legal names.
- First-party is your policy (including UM/UIM). Third-party is theirs. Those are different files.
- Official FNOL: 800-880-0472 · www.fredloya.com/claims/. That is their claims door, not ours.
- A Division complaint is separate. We do not file it for you.
Loya is 11198 — Loyal American Life is not
The crash paper is Loya Insurance Company, NAIC 11198, at fredloya.com. Loyal American Life (65722) and Loyal Christian Benefit Association (56758) are life writers. They are not this claim.
Official FNOL is a live agent at 800-880-0472, Monday–Friday 8:00 am–7:00 pm MST and Saturday 8:00 am–4:00 pm MST — not 24/7. Quotes/customer-service is a different number; do not mix it in. Third-party claimants are not the insured on that policy. If the Loya limits are the Colorado 25/50/15 floor, UIM on your own policy is the next coverage question — that job lives on the Colorado UIM guide. Source: fredloya.com/claims.
Paper companies that are this brand
Rows are copied from the Division's monthly registered-agent list dated 2026-09-01. Registered agent is Colorado service of process, not the claims office. CSC in Littleton and CT in Centennial are shared by hundreds of unrelated companies. Empty street fields stay empty — we do not invent a Colorado address. If DOI prints DEFAULT and an out-of-state city, we print that too.
Loya motor-vehicle paper
| NAIC | Legal name | Registered agent | Street | City / ZIP | Lines | CO effective |
|---|---|---|---|---|---|---|
| 11198 | Loya Insurance Company | CT CORPORATION SYSTEM | 7700 E ARAPAHOE RD STE 220 | CENTENNIAL, CO 80112-1268 | Crop, Fidelity and Surety, Credit (Casualty, Accident & Health), General Casualty, Accident and Health, General Property, Motor Vehicle (Casualty), Motor Vehicle (Property) | 2022-11-23 |
Lookalikes that are not this brand
Do not treat as this claim
| NAIC | Legal name | Registered agent | Street | City / ZIP | Lines | CO effective | Why not |
|---|---|---|---|---|---|---|---|
| 65722 | Loyal American Life Insurance Company | CT CORPORATION SYSTEM | 7700 E ARAPAHOE RD STE 220 | CENTENNIAL, CO 80112-1268 | Accident and Health, General Life, Annuities, Credit (Life, Accident & Health) | 2026-01-21 | Life company — not Loya Insurance 11198 |
| 56758 | Loyal Christian Benefit Association | 8811 Peach Street - DEFAULT | — | Erie, PA 16509 | General Life, Annuities | 2023-08-29 | Fraternal life — not Loya Insurance 11198 |
First-party versus third-party on this crash
If Loya insures the other driver, you are a third-party claimant on their liability policy. If Loya is on your own declarations page, you may also have UM/UIM, MedPay, or collision on a first-party file. Those jobs are not the same. UIM lives on our Colorado UIM guide. Fault share lives on comparative negligence. The process timeline lives on the claim process page. We do not rewrite those here.
How to report — and when that is enough
Official claims page: live agent Monday–Friday 8:00 am–7:00 pm MST and Saturday 8:00 am–4:00 pm MST. Not 24/7. Phone 800-880-0472. (source: official page). A shop supplement or a short rental bill often does not need a lawyer. Quote shopping never does. A stuck injury claim, a coverage fight on your own UM/UIM, or a named carrier that will not move after the records are in is the job we take. Car-value fights start at lowball offers.
License verify and a Division complaint
Confirm the NAIC is licensed in Colorado through the Sircon consumer inquiry. Complaints start on the Division file-a-complaint page. Consumer Services 303-894-7490 / 800-930-3745 (outside Denver metro), M–F 8–5. We are not the Division.
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