rhintransit
Super Nomad
Posts: 1588
Registered: 9-4-2006
Location: Loreto
Member Is Offline
|
|
US insurance for South Dakota plated cars
Many South Dakota plated cars out there on Baja roads...am considering this myself. But wondering, what US insurance companies are easiest to work
with? I have been told by my current company...of some thirty years...that I need a “garaged” address ion the state, and that a mailing address,
even if it is a street one such as many private mailboxes companies use, is not acceptable.
Would like to keep current US as well as MX insurance if possible,
reality\'s never been of much use out here...
|
|
|
bajatrailrider
Super Nomad
Posts: 2423
Registered: 1-24-2015
Location: Mexico
Member Is Offline
Mood: Happy
|
|
Simple I use friends address zero problems. Even that I own homes in the US never there to get mail.
|
|
|
PaulW
Ultra Nomad
Posts: 3005
Registered: 5-21-2013
Member Is Offline
|
|
Get your US insurance from any agent in South Dakota. Very inexpensive. They love it because they will probably never have a claim since you are in
Mexico most of the time. Use the same South Dakota address you use for your tags and/or driver licence. To keep it simple arrange for your tags,
drivers licence, and insurance at the same time.
The devil is in the details - Like if you have a US home somewhere other that South Dakota then you may be challenged by the authorities where your
home is. This is the reason that most all the South Dakota plated vehicles you see in Mexico are permanent residents of Mexico and do not have a home
in the states.
Get your Mx Insurance in Mexico.
Result is two policies.
|
|
|
Udo
Elite Nomad
Posts: 6321
Registered: 4-26-2008
Location: Black Hills, SD/Ensenada/San Felipe
Member Is Offline
Mood: TEQUILA!
|
|
I will second PaulW comments.
I have my US insurance in South Dakota (I also have all my vehicle plated there as well as my Driver's Lic.). My insurance for my wife and myself,
cots about $190.00 per year for three vehicles (GEICO).
Udo
Youth is wasted on the young!
|
|
|
BajaTed
Senior Nomad
Posts: 859
Registered: 5-2-2010
Location: Bajamar
Member Is Offline
|
|
Any car insurance company will sell you coverage.
When your up to your neck in alligators, getting them to PAY after they find out you really reside in Cali instead of S.D. is another story.
That's where their T&C's will allow them to wash their hands.
Your move Amigo.
Fideocomiso aint worth much, Right on, you win.
Es Todo Bueno
|
|
|
bajatrailrider
Super Nomad
Posts: 2423
Registered: 1-24-2015
Location: Mexico
Member Is Offline
Mood: Happy
|
|
Not ture as none of my Ca Ins agents will cover me with S.D plates. Also not true about where you live sorry the facts. As two people I know did have
there US ins pay out money with SD plates.
|
|
|
grizzlyfsh95
Nomad
Posts: 226
Registered: 1-8-2010
Location: East Cape
Member Is Offline
|
|
Quote: Originally posted by bajatrailrider  | | Not ture as none of my Ca Ins agents will cover me with S.D plates. Also not true about where you live sorry the facts. As two people I know did have
there US ins pay out money with SD plates. |
Why have US ins, if your SD plated car is used in Mexico? Have Mexican ins.
The harder I work, the luckier I get
|
|
|
David K
Honored Nomad
Posts: 64476
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
|
|
Is it because the state the car is registered in REQUIRES liabilty insurance?
|
|
|
woody with a view
PITA Nomad
Posts: 15937
Registered: 11-8-2004
Location: Looking at the Coronado Islands
Member Is Offline
Mood: Everchangin'
|
|
They migt travel north occassionally?
|
|
|
bajabuddha
Banned
Posts: 4024
Registered: 4-12-2013
Location: Baja New Mexico
Member Is Offline
Mood: Always cranky unless medicated
|
|
| Quote: Originally posted by grizzlyfsh95 | | Quote: Originally posted by bajatrailrider | | Not ture as none of my Ca Ins agents will cover me with S.D plates. Also not true about where you live sorry the facts. As two people I know did have
there US ins pay out money with SD plates. |
Why have US ins, if your SD plated car is used in Mexico? Have Mexican ins. |
I believe if your car is plated with US plates it needs to be US insured to get MEX insurance. If your car is MEX plated, then just MEX insurance
would do.
So if your car is SD plated, SD insurance should suffice. These companies don't give a flying fiddler's phuque about you personally; shop for the
cheapest deal if that's what you want. Seems that's the whole point here; look for cheap, buy cheap, and..... get cheap.
Then deal with it if the chit hits the fan. 
I don't have a BUCKET LIST, but I do have a F***- IT LIST a mile long!
86 - 45*
|
|
|
willardguy
Elite Nomad
Posts: 6451
Registered: 9-19-2009
Member Is Offline
|
|
| Quote: Originally posted by bajabuddha | | Quote: Originally posted by grizzlyfsh95 | | Quote: Originally posted by bajatrailrider | | Not ture as none of my Ca Ins agents will cover me with S.D plates. Also not true about where you live sorry the facts. As two people I know did have
there US ins pay out money with SD plates. |
Why have US ins, if your SD plated car is used in Mexico? Have Mexican ins. |
I believe if your car is plated with US plates it needs to be US insured to get MEX insurance. If your car is MEX plated, then just MEX insurance
would do.
So if your car is SD plated, SD insurance should suffice. These companies don't give a flying fiddler's phuque about you personally; shop for the
cheapest deal if that's what you want. Seems that's the whole point here; look for cheap, buy cheap, and..... get cheap.
Then deal with it if the chit hits the fan. |
I had once heard this about needing a US policy to purchase MEX ins on a US plated car.......but never found it to be the case. do company's like
bajabound ask for proof of a US policy?
|
|
|
bajatrailrider
Super Nomad
Posts: 2423
Registered: 1-24-2015
Location: Mexico
Member Is Offline
Mood: Happy
|
|
| Quote: Originally posted by grizzlyfsh95 | | Quote: Originally posted by bajatrailrider | | Not ture as none of my Ca Ins agents will cover me with S.D plates. Also not true about where you live sorry the facts. As two people I know did have
there US ins pay out money with SD plates. |
Why have US ins, if your SD plated car is used in Mexico? Have Mexican ins. |
I only drive it in the US few times a year so USA ins. As for the Mex INS on Plated SD cars some Mex ins your car needs
current Us ins for your Mex policy. Some do not care if you have current US ins . Check your policy when my Toyota was wrecked by another driver the
Mex ins fixed it never asked if it had current US reg.
|
|
|
karenintx
Senior Nomad
Posts: 535
Registered: 3-16-2008
Location: CSL
Member Is Offline
Mood: Living The Dream
|
|
| Quote: Originally posted by bajatrailrider | | Quote: Originally posted by grizzlyfsh95 | | Quote: Originally posted by bajatrailrider | | Not ture as none of my Ca Ins agents will cover me with S.D plates. Also not true about where you live sorry the facts. As two people I know did have
there US ins pay out money with SD plates. |
Why have US ins, if your SD plated car is used in Mexico? Have Mexican ins. |
I only drive it in the US few times a year so USA ins. As for the Mex INS on Plated SD cars some Mex ins your car needs
current Us ins for your Mex policy. Some do not care if you have current US ins . Check your policy when my Toyota was wrecked by another driver the
Mex ins fixed it never asked if it had current US reg. |
Same for us. Since 2005 the only insurance we have purchased is MX insurance. When involved in an accident, no one asked us if we had USA auto
insurance nor were we asked by the police for a tourist card, RT or RP. They only asked to see our MX insurance policy and the car registration.
Insurance paid for repairs...no questions asked.
|
|
|
charliemanson
Nomad
Posts: 215
Registered: 5-11-2016
Member Is Offline
|
|
Super easy solution> By a Mexican car, register it, obtain Mexican plates. By doing that at least you will be being honest down here and not lying
to the US or cheating Mexico, which is what you all are trying to do..
You will be helping out the country you are living in by improving the roads that everybody on this site complains about, probably not get pulled
over as often and asked for a mordita as most complain about and most of all just be a respectable human and do the right thing instead of trying to
find a way around everything that is correct...sounds like a bunch of people from the US..
Or you can import your car which is also a different way not to cheat the system.... or just keep cheating your way through life.
When I moved down here, that is what I did and feel pretty dang good about it. easy peasy
I am going to go save gas and fish with my drone
|
|
|
![[*]](images/xmbforum/default_icon.gif){kind=icon}
