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David K
Honored Nomad
Posts: 64478
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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Geoff has posted here that he consulted with the company, and at that time the answer was that they will not use immigration laws as a reason to not
cover their clients. To be comfortable with this, just email or u2u BajaGeoff.
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
Member Is Offline
Mood: must be 5 O'clock somewhere in Baja
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To be comfortable with this, I suggest you get the FMM. Not that I doubt Geoff, but better be safe than sorry
Quote: Originally posted by David K  | | Geoff has posted here that he consulted with the company, and at that time the answer was that they will not use immigration laws as a reason to not
cover their clients. To be comfortable with this, just email or u2u BajaGeoff. |
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David K
Honored Nomad
Posts: 64478
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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I think we (responsible Nomads) all agree to follow the immigration law. The question was about auto insurance, just to be clear. In the course of an
accident or car theft, one may lose that piece of paper that is an FMM.
[Edited on 5-22-2017 by David K]
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
Member Is Offline
Mood: must be 5 O'clock somewhere in Baja
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No, David, not "all" follow the Immigration law as you well know, and always
keep the FMM on your person so you don't lose that piece of paper
| Quote: Originally posted by David K | | I think we all agree to follow the immigration law. The question was about auto insurance, just to be clear. In the course of an accident or car
theft, one may lose that piece of paper that is an FMM. |
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David K
Honored Nomad
Posts: 64478
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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I did mean you and I, when I said: "we". I have since edited my post by adding "Responsible Nomads". You think our lawyers will be happy know? 
Have a great day Terry!
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sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
Member Is Offline
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| Quote: Originally posted by mrfatboy | | Has anybody confirmed one way or another with Bajabound if the FMM is needed to validate their insurance policies? |
If memory serves me, Bajabound said here some time ago
that their 2 Mex Ins Co's, ACE HDI would not invalidate
a policy for lack of an fmm, but also stated check with the
Mex Ins Co. Me, I can think of little worse than being
involved in a serious incident, and being asked for an fmm
and not having one. Whether the Cop, adjuster or whoever
has that authority
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
Member Is Offline
Mood: must be 5 O'clock somewhere in Baja
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Immigration status was the fourth thing the police asked for. 1st, driver's license; 2nd, vehicle registration and 3rd, current Mexican insurance. I
really didn't feel it was my place to question his authority in asking about immigration status.
| Quote: Originally posted by sancho | | Quote: Originally posted by mrfatboy | | Has anybody confirmed one way or another with Bajabound if the FMM is needed to validate their insurance policies? |
If memory serves me, Bajabound said here some time ago
that their 2 Mex Ins Co's, ACE HDI would not invalidate
a policy for lack of an fmm, but also stated check with the
Mex Ins Co. Me, I can think of little worse than being
involved in a serious incident, and being asked for an fmm
and not having one. Whether the Cop, adjuster or whoever
has that authority
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jodiego
Nomad
Posts: 317
Registered: 2-16-2007
Location: San Diego
Member Is Offline
Mood: ever hopeful
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Let me throw a curve in this discussion....or maybe just a change up. I read in this forum some time back about someone who had an accident, I
believe it was in a town just north of San Quintin and they had a horrible time dealing with local authorities with their insurance. Just how
reliable is the insurance if you do get into an accident in baja. Before you jump all over me, I do realize that getting into an accident and NOT
having insurance can be very detrimental to your health.
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
Member Is Offline
Mood: must be 5 O'clock somewhere in Baja
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We had a semi-serious accident in Baja (a double rollover), minor injuries to us, major damage to vehicle. We were covered by Bajabound with a policy
from HDI. HDI Adjusters showed up within 45 minutes of the accident. Called Geoff at Bajabound the next day, very responsive and was in constant
contact with HDI and me. Could not be happier with the service from Bajabound and HDI. Everything taken care of with no problems from the authorities
or anyone else.
| Quote: Originally posted by jodiego | | Let me throw a curve in this discussion....or maybe just a change up. I read in this forum some time back about someone who had an accident, I
believe it was in a town just north of San Quintin and they had a horrible time dealing with local authorities with their insurance. Just how
reliable is the insurance if you do get into an accident in baja. Before you jump all over me, I do realize that getting into an accident and NOT
having insurance can be very detrimental to your health. |
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jodiego
Nomad
Posts: 317
Registered: 2-16-2007
Location: San Diego
Member Is Offline
Mood: ever hopeful
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Bajabound or Discover Baja. Any preference when it comes to insurance?
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David K
Honored Nomad
Posts: 64478
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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They both sell the same two company policies...
Discover Baja requires membership to their club to buy the insurance (a good club with lots of discounts including insurance, motels, etc. and books
for sale).
Baja Bound sponsors Baja Nomad and is very active here (Baja Geoff) and with all things on Baja travel (new travel guide, interactive map is in the
works).
I have had annual policies with both. Sometimes switching from one to the other to compare ease of purchase and interaction with staff or the online
system. I like them both. Because of Baja Bound's support of this site (Baja Nomad), keeping it online for us all, they do get points!
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willardguy
Elite Nomad
Posts: 6451
Registered: 9-19-2009
Member Is Offline
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advice from another message board, stay clear of Qualitas, mexico's largest insurer.
I buy from a mexican broker, why pay an american for a mexican product?
[Edited on 5-25-2017 by willardguy]
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