Sharksbaja
Elite Nomad
Posts: 5814
Registered: 9-7-2004
Location: Newport, Mulege B.C.S.
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Toll road insurance for all??
I was informed that on the toll road so. of TJ that insurance was provided for all that drive on it provided they pay the toll. What did that mean?
Does someone have info on that? If there is insurance than would it not be prudent to file claims regarding recent car-jackins and injuries? Would
these claims not speed up the police involvement? 
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surfer jim
Super Nomad
Posts: 1891
Registered: 8-29-2003
Location: high desert
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There is some sort of insurance coverage...never read the fine print to see what is involved.....suspect it is for accidents and not crime victims....
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BajaNomad
Super Administrator
Posts: 4977
Registered: 8-1-2002
Location: San Diego, CA
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Mood: INTP-A
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Googled for the info, and found this over at BajaBound.com:
http://www.bajabound.com/before/driving/tollroads.asp
Toll Road Insurance
Did you know when you pay a toll you are automatically covered by the insurance provided by Caminos y Puentes Federales? When you receive the receipt
from the toll booth (make sure to keep it in a safe place you will need it to file a claim) read the back of it. It may say something like this: "El
seguro cubre responsabilidad civil, gastos medicos y ultimos gastos." English translation: "Insurance covers civil liability, medical payments and
funeral expenses." This insurance has always been somewhat of a mystery to people. What exactly does it cover? Here we explain what it does (and
doesn't cover) while you are on the toll road.
Coverage:
The insurance covers two different situations. One, if you are at fault it will cover the following:
-Damage to the road
-Damage to other vehicles including medical payments for occupants and pedestrians
-Medical payments and funeral expenses for occupants of your vehicle
-There is no deductible if you are driving a car, but there are deductibles if you are driving a bus or a small bus or larger vehicle
The insurance will not cover damage to your vehicle if you are at fault
Secondly, if you are not at fault, it will pay for :
-Damage to your vehicle including towing expenses
-Medical payments for occupants of your vehicle including land ambulance to the nearest medical center
-The above will be covered as a consequence of landslides, objects within the asphalt, holes, and substances that have been spilled on the road.
-If tires have been damaged, lights broken, or glass breakage has occured to the vehicle, the insurance will only cover the damage if it is due to
loose pavement on the road due to maintenence of the road.
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Phil C
Senior Nomad
Posts: 564
Registered: 3-27-2004
Location: N. San Diego County/ Loreto Centro/Lopez Mateos
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Remember the guy from Valley Center that was held after an accident on the toll road because he didn't have insurance, and consequently died?
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TMW
Select Nomad
Posts: 10659
Registered: 9-1-2003
Location: Bakersfield, CA
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Phil, I think it had more to do with who the other party was. I remember the guy he was in the accident with was some Mexican offical. I had a friend
who rolled his truck late at night on the toll road and the insurance from his toll receipt paid for medical and his truck. This was about 10-12 years
ago.
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msawin
Nomad
Posts: 371
Registered: 8-29-2003
Location: Grass Valley,Ca / Tripui
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road insurance
This last Feburary one of my employees boys [2] of a total of 5 young boys, non of 21 years of age made a trip to Ensenada..Coming back to the states
around mid-night the driver fell asleep and hit one of the tall conrete vertivcle supports for an over crossing. One of the boys broke his back and
one of the 2 sons broken his leg and colear bone.
No medical insurance.. They took the 2- injured boys to the hospital for help, held the other 3 in case there was any laws or violations out
standing from the wreck.
Thank god they have healed well.. Yes, the highway toll fee paid for thier medical help..
martin-o
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Taco de Baja
Super Nomad
Posts: 1913
Registered: 4-14-2004
Location: Behind the Orange Curtain, CA
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Mood: Dreamin' of Baja
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Several years ago my sister backed into a car she could not see after using the restroom at one of the toll booths. The toll road insurance covered
the cost with no out of pocket on her part. Only damage was to the other vehicle, she was in a truck with a sturdy bumper
[Edited on 9-8-2006 by Taco de Baja]
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