BajaNomad

ABA Seguras

bajajudy - 10-31-2008 at 03:00 PM

When our truck broke down and we called ABA they said that we didnt have roadside assistance. Ok, guys you know that I live here and have for many years. No one, including me, in their right mind would have insurance here without roadside. So I pull out my policy and sure enough there it is...assistance(or something close) viaje.
Well guess what...my policy only covers that if I am in USA or Canada.
I now have my agent checking to make sure that all my vehicles have roadside.
We will be going back to GNP upon renewal as they have been very easy to work with on roadside assistance.

HINT........read the small print.

BMG - 10-31-2008 at 03:07 PM

Quote:
Originally posted by bajajudy
When our truck broke down and we called ABA they said that we didnt have roadside assistance. Ok, guys you know that I live here and have for many years. No one, including me, in their right mind would have insurance here without roadside. So I pull out my policy and sure enough there it is...assistance(or something close) viaje.
Well guess what...my policy only covers that if I am in USA or Canada.
I now have my agent checking to make sure that all my vehicles have roadside.
We will be going back to GNP upon renewal as they have been very easy to work with on roadside assistance.

HINT........read the small print.


I was just on line to re-new our policy with GNP. When I clicked for more info, a box pop-up appeared. Scrolling down I came across a section on eligibility. I'm waiting for a call back.
Quote:

Eligibility - All residents of the United States or Canada with a Mexico Auto Insurance policy and a MexVisit ® certificate issued via International Insurance Group, Inc. and who reside outside of Mexico at least 9 months out of the year.

bajaguy - 10-31-2008 at 03:11 PM

Try Geoff at Bajabound

bajajudy - 10-31-2008 at 05:02 PM

BMG
I dont understand what that pop up means. But we have 365 day car insurance.

BMG - 11-2-2008 at 09:30 AM

Quote:
Originally posted by bajajudy
BMG
I dont understand what that pop up means. But we have 365 day car insurance.


Judy - I read it as saying you can't be in Mexico more than 3 months a year. I never noticed this when I purchased our 1 year policy for last year. I'm concerned that it would be an 'out' for not paying a claim though.

Another problem I see that I didn't notice last year was that you can't purchase full coverage insurance unless you also have a valid U.S. or Canadian policy. You can only buy a liability policy.

Bajaguy - I did check with Bajabound and same deal with the liability only issue. I also saw on their site that the vehicle cannot currently be in Mexico, although I'm not sure how they would know that.

At this point, it almost seems better to get DL insurance instead of individual policies on the vehicles. Neither has that much value but more than we would want to lose without any recourse.

bajajudy - 11-2-2008 at 10:04 AM

Quote:
Originally posted by BMG


Another problem I see that I didn't notice last year was that you can't purchase full coverage insurance unless you also have a valid U.S. or Canadian policy. You can only buy a liability policy.



We have Mexican plates.
We only have liability anyway.

BMG - 11-2-2008 at 10:57 AM

I am leaning towards the DL insurance. Both the Blazer and the Camry have U.S. tags and neither is new or low mileage. Besides, what can happen in Mexico?

twogringos - 11-3-2008 at 08:04 AM

BMG, you can get Liability only for $120/yr from Qualitas without needing US insurance. Comprehensive for a value less than $5000 is $163. See Dalia Franco at the ING office at Altamirano and 5th Feb.

David K - 11-3-2008 at 08:59 AM

I hope Geoff (BajaBound.com) speaks up, as the expert on this...

Mexican Auto Insurance policies we buy are for U.S. residents who vacation in Mexico for a 'limited time'... My 365 day coverage policy means you can take a trip into Mexico any time during those 365 days for a limited time, not stay there all year... which makes you a Mexican resident, anyway.

Read the fine print, insurance companies don't make money by paying off on claims, so they try not to... right?:biggrin:

sancho - 11-3-2008 at 12:30 PM

I believe DK is correct on 'most'
of the annual Mex Policies.
They are usually issued as 'tourist'
policies, not for Gringo residents
of Mex. Now who is to prove
resident vs tourist is another
question

BajaGeoff - 11-4-2008 at 12:30 PM

Hello All,

Couple of thoughts.....

Regarding the "90 day" annual policy - If you live full time in Mexico then this is definitely the wrong policy for you. This is for people like David K who travel often to Mexico, but not more than 90 total days in a years time.

If you buy a "Resident" policy from Genworth Seguros, you do not have to have an active policy in the US. It is also the same price as a "Tourist" policy, which is nice.

Insuring a vehicle that is currently in Mexico can be done, we just need a statement (and sometimes photos) from the client so that we know the vehicle has not been involved in an accident. This is basically a way to prevent fraudulent claims.

A drivers license policy is probably the best and most economic option for you....and you can get a "Resident" drivers license policy at the same price as a "Tourist" one....and it does include legal aid and bailbond.

From the standpoint of our underwriters, a "Resident" is defined as someone spending more than six months out of the year in Mexico.

Hope this helps!