Do I really need Mexican Insurance?  Top
First, Mexican insurance is not mandatory for you to travel into
the immediate cities and towns along the U.S./Mexico border, but
in the event you are involved in an automobile accident, there are
basically only two ways to resolve this and that is to pay all damages
on the spot in cash (who normally carries thousands of dollars of
cash on them?) or you can prove your financial responsibility by
having in your possession a Mexican Insurance policy.
In the U.S.A. we operate under the English Common Code of Law which
means we are innocent until proven guilty. In Mexico and most of
Latin American countries they operate under the Napoleonic Code
of Law, which means that you are guilty until proven innocent. Couple
that together with the fact that IN MEXICO IT IS A CRIMINAL AND
CIVIL OFFENSE IF YOU ARE IN AN ACCIDENT and you have a situation
where although as we have stated before, its not mandatory to have,
but if you are prudent you will have purchased Mexican Insurance
to prove your financial responsibility before crossing into Mexico.
What does a Baja-Mex Insurance Services, Inc. policy cover?
Top
We offer two plans for Mexican Auto & RV policies.
The first is what we call our LIABILITY POLICY, which includes:
• C.S.L. $100,000.00 (covers both Property Damage Liability and Bodily
Injury Liability)
• Medical Expenses $5,000.00 per person up to $25,000.00 per accident.
(This is for you & your passengers).
The second type of coverage we offer is MAXIMUM COVERAGE, which includes:
• Liability as mentioned above.
• Medical Expenses as mentioned above.
• Collision, Overturning and Glass Breakage with a deductible of $500.00 dlls.
• Fire, Theft, Vandalism and Natural disasters with a deductible of $1,000.00 dlls.
Theft coverage is broadened to include payment for parts and accessories only attached to the insured vehicle, excluding video and sound reproduction, recording equipment such as, but not limited to DVD players, AM/FM radios, cassette and CD players/recorders and CB, UHF and VHF radios. PERSONAL PROPERTY OR OBJECTS CONTAINED IN THE VEHICLE ARE EXPRESSLY EXCLUDED.
Vandalism meaning willful and malicious damage to or destruction of insured vehicle.
Defence costs, legal fees, or cost of bonds are covered.
What does Mexican Insurance cost? Top
We offer Mexican Insurance for as little as 24 hours or for as much
as 365 days. Remember that policies are sold for 24 hours from the
time you enter Mexico. Therefore if you enter Mexico at 10 A.M.
on Friday and return on Sunday at 3 P.M., this is a three day policy.
If you return earlier than planned, you may receive a refund for
unused days. You must return the original policy to us and we refund
from the time you physically return the policy to us or the postmarked
date if the policy is mailed to us.
For a quote please call us at 1-800-300-MEXICO.
What does your U.S. Insurance cover while you are in Mexico?Top
You should check with your U.S. carrier before traveling to Mexico
because some U.S.Companies do cover you for the material damage
and theft of your vehicle providing you return to the U.S. and file
a claim with them. Companies that do provide this coverage almost
always have both time limitations and also a distance limitation
and if you are a frequent traveler to Mexico, there is a good chance
that they will delete this from your policy if they know you are
a frequent traveler. Also, remember that your U.S. company does
not have any authority to adjust a claim for you while you are in
Mexico.
Are you required to get a permit for your vehicle prior to entering
Mexico? Top
If you are traveling into the interior of Mexico you will have to
get a vehicle permit from the Mexican authorities and they will
need to see your registration. Being that most people finance their
vehicles, you, the insured, are the registered owner, but the legal
owner (the bank or credit union) has to provide you with a letter
authorizing you to take the vehicle into Mexico. In almost every
case, they will not give you a letter of permission if you can't
show proof of insurance on the car. In these cases, the legal owner
needs to see that in addition to liability, you are also covering
the vehicle for Collision, Glass Breakage, Fire and Theft.
Vehicles traveling in Baja California do not need to get a vehicle
permit. If you plan on crossing to the mainland by ferry, you will
have to get a vehicle permit at the embarkation location.
Important Notes Top
YOU MUST REPORT CLAIMS TO THE INSURANCE COMPANY BEFORE RETURNING
TO THE U.S.A. We provide you with a toll-free number to call in
Mexico, and there are bilingual people available 24 hours a day
to assist you. Returning to the U.S.A. without first reporting your
claim in Mexico may result in denial of your claim.
The terms and conditions of automobile insurance policies affording
coverage for tourists in Mexico are determined by the government
of Mexico. These insurance policies differ in many ways from policies
issued in California and other states.
This policy covers only specified perils. The only coverages are
those specified on the declaration page, and in the policy conditions.
This is not an all-risk-policy.
Policy is void if being driven by an individual not possessing
a valid drivers license.
Policy is void if the accident is caused by the insured being under
the influence of alcohol and/or drugs.
Policy is void if towing and towed vehicle is not declared on policy
and additional premium charge.
Loss of use and/or rental replacement is not covered.
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