BajaNomad

temp u.s. insurance

oldjack - 5-19-2009 at 09:59 AM

A few of us Baja dwellers have vehicles registered in S.D. and need to find low-cost or temporary insurance when back in the states for a few days/weeks... we all use Lewis and Lewis for our MX ins. but need something creative for the short-term visits?????? HELP!!!!!

woody with a view - 5-19-2009 at 10:14 AM

i saw something along the border fence in tecate that said liability in the u.s. for $129.00/yr. who? can't remember.

gnukid - 5-19-2009 at 10:52 AM

US ins laws changed sometime back which now means the US Ins can't deny you ins for being previously uninsured. In effect this means that any ins provider must quote you and offer ins regardless of the fact that have none which makes part time ins possible with any carrier.

You don't need to inform them in advance of your plans to cancel soon. You don't need to aquire temporary ins. You need a regular old policy, that you will choose to end soon.

Therefore you can go to any ins provider and get a quote for a year, start the insurance and stop it when you choose. You find this very affordable as the rates are pro-rated.

In any case, I have found, as have many others, many very nice agents who are willing to start and stop ins for the period you will be in the US.

I insure 3 vehicles for liability in the US and the cost is under $200/yr.

BMG - 5-19-2009 at 10:58 AM

Quote:
Originally posted by gnukid
US ins laws changed sometime back which now means the US Ins can't deny you ins for being previously uninsured. In effect this means that any ins provider must quote you and offer ins regardless of the fact that have none which makes part time ins possible with any carrier.

You don't need to inform them in advance of your plans to cancel soon. You don't need to aquire temporary ins. You need a regular old policy, that you will choose to end soon.

Therefore you can go to any ins provider and get a quote for a year, start the insurance and stop it when you choose. You find this very affordable as the rates are pro-rated.

In any case, I have found, as have many others, many very nice agents who are willing to start and stop ins for the period you will be in the US.

I insure 3 vehicles for liability in the US and the cost is under $200/yr.


Any specific companies and/or agents that you would recommend?

BajaGeoff - 5-19-2009 at 01:23 PM

Unfortunately, the market is really small for daily or short-term insurance for U.S plated vehicles coming back across the border. Nobody offers it on a daily basis as far as I know. I have heard of a policy that is offered for three months through Bristol West (part of Farmers Insurance). I can refer you to a Farmers agent that I know if you are interested.

comitan - 5-19-2009 at 01:30 PM

One more reason to import your vehicle, no problem for day insurance,week or year. Need Mexican address.

DENNIS - 5-19-2009 at 01:39 PM

Quote:
Originally posted by BajaGeoff
Nobody offers it on a daily basis as far as I know.


They sell short term ins at the Otay border crossing in the street on the Mexico side. One day, one week, month etc. Right from the crossing lane, there are runners who will exchange money and take your paperwork to an office right there and fix you up.

oldjack - 5-19-2009 at 02:54 PM

Dennis

Is that Otay business for U.S. plated vehicles???

Name of business????

THANKS!!!!!!

BajaGeoff - 5-19-2009 at 03:14 PM

Are you sure that is for U.S. plated vehicles?

If they do offer it to U.S. vehicles I would love to know the name of that business too!!!

rpleger - 5-19-2009 at 03:18 PM

Me too. Dennis

24baja - 5-20-2009 at 10:23 AM

Allstate has good start and stop policies. We use it on our wood/farm truck and start and end it for 1 day sometimes.

BajaGeoff - 5-20-2009 at 10:34 AM

I just called Allstate and after 5 minutes of an "automated customer service provider" I finally got to talk to a real person......in India. He was not able to answer my questions either.

So 24Baja....do you keep an annual policy with a lay up provision and just start and stop as needed?

oldjack - 5-21-2009 at 11:50 AM

Is that Otay business for U.S. plated vehicles?? would like to know from someone who has used the service....

is there a company in La Paz that sells short term MX insurance?? my neighbors policy lapsed while he was over-extended here in Los Barriles...

BajaGeoff - 5-21-2009 at 02:42 PM

Where did you go Dennis???

oldjack - 5-21-2009 at 03:23 PM

Being that Dennis is an upstanding Nomad.... I am guessing he is driving up to Otay to get the correct information and spelling of the Business:tumble:

DENNIS - 5-21-2009 at 03:33 PM

Quote:
Originally posted by rpleger
Me too. Dennis



Sorry, you guys. I lost track. I don't know exactly who it's written for but, I'll find out and get back.
Again, sorry for the delay on reply.

BajaGeoff - 5-21-2009 at 04:07 PM

Cool.....thanks Dennis!

oladulce - 5-21-2009 at 07:07 PM

BajaGeoff-

Does the Genworth full coverage policy for "residents " (for those living in Mexico with a US plated vehicle, not the Tourist policy) require you to maintain full coverage US insurance?

Bill Collector - 5-22-2009 at 09:36 AM

We have used this company for years. You must have either a FM3 or FM2. Our cars all have US plates. Once your in their computers it doesn't take more than 5 minutes to get a policy. Very helpful, we haven't ever had a problem. It was running $12 per day, that was last year, not sure of the price this year.

Leon y Asociados
Av. Gastelum No. 898
Ensenada
646-178-1122

Bajahowodd - 5-22-2009 at 09:54 AM

Just love Allstate's India-based call center. Good hands indeed.:biggrin:

DENNIS - 5-22-2009 at 09:57 AM

Quote:
Originally posted by Bajahowodd
Just love Allstate's India-based call center. Good hands indeed.:biggrin:


Oh yeah....and when I want to know the weather in the Phillipines, I call AAA.

BajaGeoff - 5-22-2009 at 10:14 AM

Quote:
Originally posted by oladulce
BajaGeoff-

Does the Genworth full coverage policy for "residents " (for those living in Mexico with a US plated vehicle, not the Tourist policy) require you to maintain full coverage US insurance?


Nope....you can cancel your US insurance once you have the Genworth resident policy in effect. It still is a "tourist" policy though because of the US plates....I know the term "tourist resident policy" is a bit of an oxymarooon though...:lol: