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Posts Tagged ‘Mexican auto insurance’

Mexican law officials require that visitors compensate for a wide array of potential expenses ranging from financial liability from injury or death of innocent bystanders, to property damage, and sometimes medical expenses for people in your vehicle. The problem is, even with valid U.S. or Canadian auto insurance, no matter how extensive your coverage is, it does not cover liability protection for the people and property outside your vehicle. This explains why is it vital to purchase a Mexico Auto Insurance Policy from an officially licensed company with permission to conduct business in Mexico. Basic common sense would dictate you purchase Car Insurance for Mexico Online prior to entering the country, because you will have a better understanding about what you are getting and just as importantly, you can see what you are NOT getting.

For example, there are insurers at the border who sell annual insurance policies. What they may not tell you is that the policy has a provision which states that if you are in Mexico for more than 90 days within that annual period, the policy is void.

Despite the fact that Mexican car insurance can be secured by vendors near the border, buying your insurance online and ahead of time can avoid unnecessary complications. You should ask yourself;

If I drive up to a booth with a nice vehicle, they will know I’m a captive buyer. Will the salesman increase the cost or adjust the fee based on what they think I can afford to pay?

Did I purchase the right policy for my particular vehicle?

Understanding Mexico Auto Insurance is a-la-carte, what do I need?

Understanding Mexican Insurance is a-la-carte, what is covered?

What is the worst actual exposure in Mexico?

Does my insurance cover the places I plan to visit?

Am I receiving good value for my money?

Why do some policies add taxes and high fees and others do not?

Purchasing Mexico RV Insurance Online is easily the fastest, most reliable, convenient option. WebSites with various policy choices and sites that allow review, comparing, and customization of quotes are usually the safest, most affordable bet.

Mexican Insurance Requirements San Diego, Tuscon, Rocky Point – Better Rate Quotes Online?

Rocky Point Mexico, also known as Puerto Penasco, has a reputation for fishing and adventure along the Gulf of California. Located a mere 60 miles from the Arizona border, Rocky Point is a popular destination for those wanting to get away for a few days of adventure in Mexico.

For those seeking relaxation, luxury hotels and condos are available, while traditional campgrounds and motels are also in available.

There are numerous entertaining things to do including, sport fishing Charters, Jet ski Rentals, day-to-day sailing cruises, Scuba and Snorkeling, Whale and Dolphin viewing, , Sailplane Flights, Parasailing, ATV Rentals and Horseback riding on the beach. And don’t miss the shrimp burritos!

In the early 1800′s, Lt. Robert H. Hardy of the British Royal Navy explored along the seacoasts of Sonora and Baja California searching for pearls and valuable minerals in the sailing vessel La Bruja. He named the beach head Rocky Point and it was identified on official marine maps as such until General Lázaro Cárdenas, president of Mexico in the 1930′s changed it to Puerto Punta Peñasco (Port Rocky Point).

During the start of the 1920′s Americans journeyed from nearby AZ, New Mexico and California to discover the enormous flying fish abundant in the bay. For regional fisherman Rocky Point provided refuge from storms, thanks to the “the hill of the whale” a natural point of refuge, and a beautiful inlet.

For vacationers traveling solely to Rocky Point (or Baja, California), a pass for your car is not needed. However, you still need to acquire a tourist card as well as review Mexico Automobile Insurance Policies.

US and Canadian car insurance is invalid in Mexico. The practice of law and coverage issues in Mexico can be completely dissimilar as respects auto accidents and how they are normally handled in the US. Buying a Mexico Auto Insurance policy is vital. You will be detained (jail) and your vehicle can be impounded until you pay damages deemed to have been caused by you to others. Your ability to remunerate for damages you’ve caused to third parties is regarded above everything. You get the best value by purchasing auto Insurance for Mexico online.

Enjoy yourself with peace of mind on vacation!

William Kitto was not traveling for his first time in Mexico when he got into an accident near San Vincente, Mexico while driving his friend’s pick-up.The conditions were terrible due to heavy thunder showers, which rapidly left him at the mercy of his friend’s Mexican insurance policy.

Bill and his friend were traveling at 30 MPH hour when they rounded a corner to find a Mexican military truck hurtling towards them partly on their side of the road. Not able to avoid the crash, the two vehicles hit head-on left, sending military personnel down an embankment and Bill and his friend into the drop-off wall on the opposite side.

Within minutes, the Mexican police arrive and one speeds an injured Bill away to a location unknown to him or his companion who is left standing roadside. In Mexico, they apply Napoleonic Law, where in general, you are Guilty until proven innocent.

There’s a good reason why savvy travelers buy Mexico Auto Insurance before leaving home.

Bill finds himself in a Mexican detention cell without any contact and without any knowledge of his fate, mostly because at this point he has no way of knowing whether his friend even carried Mexican Insurance. Hours later, guards return to take him back to the accident scene where he is at least able to reunite with his friend and his friend’s Mexican car insurance policy. But this is not the end of the story.

Bill spends a week alone in a Mexican hospital trying his hardest to stay injured enough to avoid the inside of a Mexican jail; he’s at the mercy of the local government, and muddled technology that makes what amounts to paying his way out or Mexico an act of futility. There were many times when Bill was unsure if he would ever get out of the mess he was in.

In the long run, Bill does attain his tenuous freedom, but only after paying more than ,000 of his own money, even though his friend’s cheap insurance policy covered some of the damages.

Make sure you carry quality Mexico Auto Insurance in your vehicle, make sure you have enough coverage limit, and put your insurance ID cards inside your WALLET.

It can save you hours, weeks, or even months of potential difficulty!

US and Canadian travelers take extra care in choosing an insurance company at home, but fail to protect themselves adequately while driving in Mexico on vacation or business. We all stuggle at some point, because it is not easy to comprehend most auto insurance coverage.

As Mexico practices Napoleonic law, it is vital that you protect yourself from the possibility of being “jailed” in the event you are found at fault in an auto accident. All US and Canada auto insurance policies have territorial exclusions for “Liability” coverage in Mexico and most domestic insurers do not cover collision for your vehicle within Mexico.

In order to help secure a reliable Mexican Insurance  policy, smart travelers begin by reviewing the financial strength, rating, and claims paying ability of their Mexico Car insurance carrier as a first step and then compare online coverage and rates that meet their needs as a second step.

Purchasing insurance from a reliable “A” rated company who provides adequate “liability” limits with value oriented features and benefits is the goal when purchasing insurance for Mexico. This technique is unrealistic if you purchase coverage at one of the border venders, (it’s take it ot leave it) still it is becoming easier to buy a policy that can be reasonably interpreted and can be bought cheaper if you buy online over the Web.

At a minimum, search for insurers with an “A” rating or higher (Published by A.M. Best, or Standard and Poor’s) who are admitted and authorized to sell Mexico car insurance.

If an internet site does not show on the opening page that the insurance company they represent is “A Rated” (this includes Mexico domiciled Insurance Companies), 9 times out of ten they are selling insurance from un-rated or non-rated insurance companies.

A.M. Best (ambest.com) and Standard and Poor’s (who rate global, foreign, and domestic insurers) are considered to be the industry standard rating agencies in the insurance marketplace. In fact, many insurers do business with other insurance companies (this is called reinsurance) and the minimum grade for normal business risks in the past 20 years is an A.M. Best’s Rating of “A”.

When buying Mexico Auto Insurance coverage, travelers should ask themselves a few questions. Am I able to purchase coverage from an insurer who has a minimum “A” Rating or am I being asked by an agent or broker who runs a website or local agency to accept and purchase coverage from an unrated/not-rated insurer who has a weaker program, but who may pay the agent more commission in order to sell their coverage?

You should understand, the amount of premium a company writes yearly or the size of an insurance company as a measure of fiscal strength or claims paying ability is a very iffy measure of fitness. The answer you sometimes hear when a broker does not wish to reveal or doesn’t understand the true scope of your risk could be ”Why they are the first , second, third etc largest insurer in (any country).

First look at the insurance company rating ( “A” is Standard), next the policy limit and features, and finally the price. Using this Mexican Insurance purchasing method will help you evaluate and compare rate quotes on a clear apples to apples basis and help you get what you pay for should you ever be involved in a car accident or have a loss.

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