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philodog
Nomad
Posts: 163
Registered: 10-9-2010
Member Is Offline
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Insurance doesn't cover Hwy 5 ??
I get my insurance thru Vagabundos and I got a long email came from their insurance carrier, ADAVIS GLOBAL , with all sorts of info including road
conditions. On their Hwy 5 section it said:
Hwy 5 north of Puertocitos to about halfway to San Felipe.
• All was fine until where the construction has begun now it has been flooded and
caused major problems’
• Approximately 10 bridges have collapsed before reaching Punta Final (end of the
newest section below Puertocitos).
• There are approximately 25 miles of dirt and gravel before reaching MX Hwy1
• This entire area it is not recommended for any vehicle without 4 wheel drive and
because the road isn’t currently maintained, your Mexico insurance policy states no
coverage will be afforded."
So if Hwy 5 isn't covered I'm assuming any dirt road in Baja is not covered. This is not good. Do any of the other insurance companies guarantee in
writing that coverage is included for dirt roads? I had asked this question directly to Vagabundos last year and they assured me I was covered but
since they are not the insurance company their assurance is worth squat if I had an accident.
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motoged
Elite Nomad
Posts: 6481
Registered: 7-31-2006
Location: Kamloops, BC
Member Is Offline
Mood: Gettin' Better
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My experience over past 20 years of buying Mexican insurance offered by various carriers for trucks and motorcycles for use in Baja and mainland is
that unpaved road travel is uninsured.....ya need pavement  .
Standard wording in all the policies I have reviewed/purchased.
Never needed to use it....the one time a bike was stolen in San Felipe but wasn't insured....$15,000 MP reward coughed it up a day later....worth
every peso.
Don't believe everything you think....
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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 philodog  |
So if Hwy 5 isn't covered I'm assuming any dirt road in Baja is not covered. This is not good. Do any of the other insurance companies guarantee in
writing that coverage is included for dirt roads? I had asked this question directly to Vagabundos last year and they assured me I was covered but
since they are not the insurance company their assurance is worth squat if I had an accident.
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I think that is standard language on Mex Ins Policies, not
covering off road, I assume non-asphalt surface. It is
sometime a bit of concern to read the 12 pages of fine print.
I agree the Ins Brokers, Travel Clubs, are not the final say
if push comes to shove
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norte
Super Nomad
Posts: 1163
Registered: 10-8-2008
Member Is Offline
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Bajabound says non-paved established roads are covered. 5 is a Federal hwy...paved or not. This is a new one.
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motoged
Elite Nomad
Posts: 6481
Registered: 7-31-2006
Location: Kamloops, BC
Member Is Offline
Mood: Gettin' Better
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Yeah, that wording is so malleable....
Would be interesting to hear from any Nomads with direct personal experience who had used their Mexican insurance successfully for a claim on such
roads....or any unpaved road situation.
Don't believe everything you think....
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David K
Honored Nomad
Posts: 64488
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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BajaBound.com for the win. They sponsor Baja Nomad and earn our patronage.
Discover Baja insurance is fine, too. They use the same insurance company as Baja Bound.
The highway south of San Felipe is maintained and detours were made immediatly after the bridges were damaged. Lots of traffic uses Hwy. 5, daily.
It is sad that Vagabundos is so far out of the loop on current conditions.
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woody with a view
PITA Nomad
Posts: 15937
Registered: 11-8-2004
Location: Looking at the Coronado Islands
Member Is Offline
Mood: Everchangin'
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Any road used for local traffic (dirt roads included) is considered “a road” and for Vags to say otherwise is BS. Get better insurance next time.
Now, when you go driving off that dirt road and get stuck in the sand below the high tide line you shouldn’t expect your insurance to cover the loss
when the tide comes in. 
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PaulW
Ultra Nomad
Posts: 3009
Registered: 5-21-2013
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My liability insurance is covered anywhere in Mexico. No dirt road restrictions. That is the only Insurance I have and for sure it is good enough. All
I want is a "keep out of jail policy"
The real question is why buy more?
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Aldervale
Junior Nomad
Posts: 95
Registered: 12-22-2013
Member Is Offline
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Hi PaulW
I think I know what your last post means but you could expound please ?
A U2U would work fine if you don't wish to post on the forum
Gracias
Aldervale
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weebray
Super Nomad
Posts: 1094
Registered: 7-19-2010
Location: La Paz
Member Is Offline
Mood: lleno
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| Quote: Originally posted by Aldervale | Hi PaulW
I think I know what your last post means but you could expound please ?
A U2U would work fine if you don't wish to post on the forum
Gracias
Aldervale |
As do many others we carry ins. to protect people and property we may damage. It's called liability insurance. Don't bring or drive anything to
Mexico you cannot afford to lose. Problem solved. If you expect to buy insurance from any company that will protect you under any circumstance from
loss expect to pay dearly. Insurance is truly wonderful until you have to use it.
Every beautiful beach in the world needs a few condo towers - NOT.
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MrBillM
Platinum Nomad
Posts: 21656
Registered: 8-20-2003
Location: Out and About
Member Is Offline
Mood: It's a Zip-a-Dee-Doo-Dah Day
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They're ALL GOOD ?
Recommendations from those who have NOT ever had a claim or have solid knowledge of those who have ................................. are worthless.
Over the last 50-some years, I have had policies through (perhaps) a dozen or more carriers without a claim so they ALL qualify as OK.
Right ?
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David K
Honored Nomad
Posts: 64488
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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Not me anymore, but some here have vehicles that are still financed or leased. FULL COVERAGE is mandated. My State Farm policy will cover my truck in
Mexico but only to 50 miles south of the borderline. It is sure comforting to know that my Baja Bound policy (with HDI Seguros) not only covers me for
liability but my vehicle damage and covers if it is repaired in the United States. Plus LEGAL aid is included.
Once your vehicle is yours legally, then if you want to not have collision or theft coverage, well that is fine. As stated, liability is key.
We know there is a chance we will be jailed if anything or anyone is hurt, no matter who is at fault until the adjuster arrives to prove you are
covered and can pay. Why would you not want this peace-of-mind?
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willardguy
Elite Nomad
Posts: 6451
Registered: 9-19-2009
Member Is Offline
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insurance that doesn't cover you driving on a dirt road? you're better off just throwing your money in the harbor!
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TMW
Select Nomad
Posts: 10659
Registered: 9-1-2003
Location: Bakersfield, CA
Member Is Offline
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| Quote: Originally posted by PaulW | My liability insurance is covered anywhere in Mexico. No dirt road restrictions. That is the only Insurance I have and for sure it is good enough. All
I want is a "keep out of jail policy"
The real question is why buy more? |
What are you going to do if you total your vehicle in Mexico below the maximum distance US policy covers. I've totaled two vehicles in Mexico and had
$6,000 damage to another. My Mexican Insurance thru Discover Baja paid for two and Allstate paid for the one totaled in Mexicali.
If you don't need coverage on your vehicle and only need the liability that's OK, especially if the vehicle is not worth much. At $250-$300 per year
for full coverage I think it's a bargain for any vehicle worth a few thousand or more. If you have a lease or financing the vehicle it's mandatory as
far as I know.
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RnR
Senior Nomad
Posts: 836
Registered: 5-1-2010
Member Is Offline
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| Quote: Originally posted by philodog | I get my insurance thru Vagabundos and I got a long email came from their insurance carrier, ADAVIS GLOBAL , with all sorts of info including road
conditions.
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Something doesn't sound right …..
I don't believe that ADAVis Global is Vagabundos current insurance carrier. I have a current insurance policy (liability only and issued about two
weeks ago) from Vagabundos and the policy is issued by ABA Seguro.
ADAVis Global and Vagabundos had a serious 'falling out' about four years ago and it did not end well.
ADAVis apperently used Vagabundos old client list after the breakup to directly contact past Vagabundos customers in an attempt to sell them insurance
directly. This went on for about two years. Some of the emails from ADAVis contained dis-information about the new Vagabundos insurance carriers.
These emails to me from ADAVis stopped about a year ago.
My advice, call Vagabundos directly and ask them about the terms of the policy, the validity of the email, and if ADAVis Global is currently one of
their insurance underwriters.
[Edited on 11-18-2018 by RnR]
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motoged
Elite Nomad
Posts: 6481
Registered: 7-31-2006
Location: Kamloops, BC
Member Is Offline
Mood: Gettin' Better
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Good conversation....and let's not lose sight of OP's question regarding travel on non-paved road coverage....
Again, any first hand experiences?
Don't believe everything you think....
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Jack Swords
Super Nomad
Posts: 1094
Registered: 8-30-2002
Location: Nipomo, CA/La Paz, BCS
Member Is Offline
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I got hit by an uninsured driver on a dirt parking lot in La Paz. Vagabundos covered it with repairs in the USA. Noone asked about the surface.
Need to call them about the dirt road thing....too many dirt roads in Baja that are main roads.
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sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
Member Is Offline
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Have a yr. old policy, ACE, which has been replaced by
Chubb thru Bajabound, under exclusions, states 'Damages
caused from traveling on unconventional or non-municipal
roads, Impasslble or rough roads' the policy does provide for coverage for. I assume other
Co's have similiar phrases. To put faith in
Insurance Co's, and to pretend that some verbal guarantee
can be counted on is a bit naive
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mtgoat666
Select Nomad
Posts: 17332
Registered: 9-16-2006
Location: San Diego
Member Is Offline
Mood: Hot n spicy
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| Quote: Originally posted by David K | BajaBound.com for the win. They sponsor Baja Nomad and earn our patronage.
Discover Baja insurance is fine, too. They use the same insurance company as Baja Bound.
The highway south of San Felipe is maintained and detours were made immediatly after the bridges were damaged. Lots of traffic uses Hwy. 5, daily.
It is sad that Vagabundos is so far out of the loop on current conditions. |
Vagabundos is not the insurer, they are just salesmen/agent/middleman. They probably just repeat what the insurer says.
Read the policy, it is the contract you entered. The statements of the agents are not part of the contract unless you get those statements written
into the contract. Nothing a salesmen says is enforceable unless you write the words into the contract.
Woke!
“...ask not what your country can do for you – ask what you can do for your country.” “My fellow citizens of the world: ask not what America
will do for you, but what together we can do for the freedom of man.”
Prefered gender pronoun: the royal we
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Mexitron
Ultra Nomad
Posts: 3397
Registered: 9-21-2003
Location: Fort Worth, Texas
Member Is Offline
Mood: Happy!
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Long ago in the late 80s my friend drove off the dirt road in the mountains between San Vicente and the coast . Truck was totalled. Luckily my friend
had been given a business card of a lawyer in Ensenada a couple weeks before (interesting, eh?) and we went to him before talking to the insurer.
Back then they didn't cover 1. Driving on dirt and 2. Solo accidents. So my friend had to pay the lawyer, insurance agent, and state police off to
get the insurance money to come through. I was with him at the meeting with the lawyer and state police, gotta say it was a little intimidating, lol!
But that was 30 years ago.
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