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Last updated: November 7, 2026
Young America Auto Insurance, which is owned by Fred Loya Insurance, typically writes minimum automobile insurance policies ($25,000 in Alabama). From our experience, dealing with Young America is a total disaster because Young America like to delay, delay and then delay some more. Young America also likes to low ball injury victims or deny liability even when liability is clear. It is notorious for saying the injury victim is “20% at fault” to justify denying the victim’s bodily injury claim.
Filing a Young America Claim: At a Glance
- Know who you’re dealing with: Young America is a minimum-limits, nonstandard carrier, which usually means small policies, slow handling, and adjusters trained to close cheap
- Before you call: you owe THEIR insurer no recorded statement, and with likely low limits, identifying every other coverage source, including your own UM/UIM, matters more than usual
- Alabama context: minimum policies are 25/50/25, one ER visit can exceed them, and contributory negligence gives the adjuster leverage, so document everything
- Deadline: generally 2 years, free consultation, no fee unless we win: (205) 407-6009
Young America writes minimum-limits policies, so understanding Alabama’s 25/50/25 minimums and the UM/UIM gap matters to your claim.
Check out Young America’s terrible reviews on the Better Business Bureaus’s website and complaintsboard.com.
If you have a bodily injury claim with Young America, your best bet is to hire an attorney that will file a lawsuit and beat Young America into submission.
Our team of personal injury and auto accident lawyers has extensive experience helping accident victims get the compensation they deserve from Young America.
If you were hurt by an insured of Young America, give Fob & Foster Personal Injury Lawyers a call today at 205-407-6009 or contact us online to discuss your case and see what we can do for you.
How To File Claims Against Young America?
If you are involved in an accident that results in bodily injury you should contact an attorney first. Do not try to deal with Young America on your own or else you will being doing so at your own peril.
Your attorney can open a claim with Young America on your behalf and you will never have to speak with any employee or agent of Young America.
However, if you are involved in an accident that results in just property damage, you should consider contacting Young America to report a claim. But where do you start?
Young America provides limited methods of filing a claim. Basically your best bet is to call Young America at 855-620-9443 and file a claim over the phone. Hopefully, you will not be on hold for hours or get ghosted for weeks.
Young America Auto Insurance Claims Can Include:
- PERSONAL INJURY CLAIMS
- PROPERTY DAMAGE CLAIMS
What Do I Need To Provide Young America To File a Claim?
Like most insurance companies, Young America’s goal is to pay out as little as possible on your claim. In fact, it will often fall on the accident victim to prove that he or she is fully entitled to collect on their insurance policy.
Thus, it is imperative to gather as much information as possible to help bolster your auto accident claim.
Examples of information you may want to provide to your attorney or Young America to support a claim include:
- A FORMAL POLICE REPORT
- MEDICAL BILLS
- PHOTOGRAPHS OR VIDEOS OF THE ACCIDENT SCENE
- CONTACT INFORMATION FOR OTHER PARTIES INVOLVED IN THE ACCIDENT
- WITNESS STATEMENTS
- WITNESS CONTACT INFORMATION
Since the insurance company’s goal is to pay you as little as possible, it is crucial to building a strong case for why you are entitled to collect.
An experienced accident attorney can help you identify and gather relevant evidence to use in pursuing your Young America insurance claim.
Step by Step: Filing a Claim After a Crash With a Young America-Insured Driver
- Get the crash report and the other driver’s policy number. The report lists the other driver’s insurer and policy number; in Alabama, reports are available through ALEA’s online portal, and our guide to Alabama crash reports walks through it.
- Report the crash to your own insurer first, in writing, with the basic facts. Your policy requires it, and your own uninsured and underinsured motorist, medical payments and collision coverages may end up paying more of the claim than Young America does.
- Open the claim with Young America at 855-620-9443 with the date, location, report number and the insured’s name and policy number. Give the claim number to everyone who asks for it afterward, and give the adjuster nothing else: no recorded statement, no medical authorization, no estimate of your injuries.
- Get medical care the same day and follow the treatment plan. A gap between the crash and the first visit is the first thing a Young America adjuster will point to.
- Document everything: photographs of the vehicles and the scene, witness names, the repair estimate, every bill and every day of work missed.
- Do not accept an early offer. A first offer on an injury claim is often a few hundred dollars for a release that covers everything, including the surgery nobody has diagnosed yet. A settlement demand goes out only after the doctors can say what the future holds.
- Watch the calendar. Alabama gives you two years from the crash to file a lawsuit under Ala. Code § 6-2-38, and an open claim number does not extend it.
Why the Policy Limits Decide the Strategy
Young America writes mostly nonstandard and minimum-limits policies, which in Alabama means $25,000 per person and $50,000 per crash for bodily injury and $25,000 for property damage. One emergency room visit, an ambulance and a few weeks of follow-up can exhaust the per-person limit, and a serious injury exceeds it many times over. So the first question in a claim against a Young America-insured driver is not what Young America will pay but what else is available: your own underinsured motorist coverage, which pays the difference between the at-fault driver’s limits and your damages and can often be stacked across the vehicles on your policy and a household relative’s policy; medical payments coverage on your own policy, which pays regardless of fault; the at-fault driver’s employer if the driver was working; and any other driver who contributed to the crash. A claim that looks like a $25,000 case against Young America is frequently a $100,000 case once every policy in the household is read.
Two Alabama rules shape the rest. Contributory negligence bars any recovery if a jury finds you even slightly at fault, and an adjuster will use that rule to deny claims outright, so the fault evidence, the crash report narrative, the photographs, any camera footage and the other driver’s citation, has to be nailed down early. And Alabama does not allow a bad faith claim against the other driver’s insurer, so if Young America stalls or lowballs, the remedy is not a complaint about Young America; it is a lawsuit against its insured, which Young America then has to defend and, within its limits, pay.
When Young America Is Your Own Insurer
If you carry a Young America policy and were hit by an uninsured or underinsured driver, the claim runs under your own uninsured motorist coverage, and the rules change in your favor. Alabama policies include UM coverage unless it was rejected in writing, a hit-and-run driver counts as uninsured, and your own insurer owes you a duty of good faith that the other driver’s insurer never did. An insurer that denies or stalls a UM claim without an arguable reason is exposed to Alabama’s bad faith tort on top of the policy limits. UM policies also carry strict notice and consent-to-settle requirements, so do not settle with the at-fault driver’s carrier before your own insurer has signed off, or the UM claim can be lost.
Young America Claim Questions, Answered
How do I file a claim with Young America after an accident?
Call Young America’s claims line at 855-620-9443 with the crash date, location, report number and the insured driver’s name and policy number from the crash report. Report the crash to your own insurer as well. Give Young America the claim facts and nothing more; recorded statements and medical authorizations are not required to open a claim.
How long does Young America take to settle a claim?
Property damage claims with clear liability can resolve in weeks. Injury claims should not be settled until treatment is complete or the prognosis is known, which is usually months. A written demand with a response deadline, and a lawsuit if the deadline passes, is what moves a stalled file.
What if Young America denies my claim or blames me for the crash?
Under Alabama’s contributory negligence rule, a denial based on your partial fault is the insurer’s strongest move, so it has to be answered with evidence rather than argument: the crash report, photographs, witnesses, camera footage and the other driver’s citation. If Young America will not pay a reasonable amount, the case is filed against its insured in court, where Young America must defend and pay within its limits.
Young America’s offer will not cover my medical bills. What now?
Look past Young America. Your own underinsured motorist coverage, including stacked coverage on other household vehicles, your medical payments coverage, the at-fault driver’s employer and any other negligent driver are all potential sources. We read every policy in the household before we tell you what the case is worth.
Can I sue Young America for bad faith?
Only if Young America is your own insurer. Alabama recognizes bad faith claims against a policyholder’s own insurer on first-party claims such as uninsured motorist coverage, but not against the at-fault driver’s liability insurer. If Young America insures the other driver, the remedy is the injury lawsuit against that driver.
How much does a lawyer cost for a Young America insurance claim?
Nothing up front. We handle injury claims on a contingency fee, advance the costs and are paid only out of the recovery. The consultation is free, and the first thing we do is identify every policy that can pay.
Related Practice Areas
- Birmingham Car Accident Lawyer
- Birmingham Bad Faith Insurance Attorney
- Birmingham Hit and Run Accident Lawyer
- What to Do When the Insurance Company Is Dragging Its Feet
- Birmingham Personal Injury Lawyer
Our Attorneys Can Help You With Your Young America Auto Insurance Claim
Contacting Young America to report an accident claim can be complicated. However, having an auto accident attorney can make the process feel more manageable.
If you are in the process of pursuing an insurance claim with the Young America claims office, the Fob & Foster Personal Injury Lawyers is here to help.
Our attorneys can help you gather important evidence and information, go to war with Young America, and navigate the claims process from beginning to end.
Call 205-407-6009 or contact us online today for a free case review and begin the process toward recovery.
Fob James, IV
Fob James obtained a B.S., in software engineering from Auburn University and then continued his education by getting his J.D. from Vanderbilt University School of Law. After working for a large national firm for several years, Fob found that his passion was fighting for individuals who have been seriously injured or wronged by others. Fob believes that the jury is the great equalizer to the power and influence that large corporations have in society. Many of Fob’s cases are high profile and have been featured in, among others: Bloomberg News, PlanAdvisor, AL.com, PlanSponsor, National Law Review, and BusinessInsider. For his work in obtaining numerous multi-million dollar outcomes for his clients, Fob has been recognized by: National Trial Lawyers Top 100, SuperLawyers Rising Star (2020-2026), Birmingham Business Journal Who’s Who in Law (2023-2025), and TrustAnalytica – Top Personal Injury Lawyers in Alabama.