BajaNomad

Best insurance??

jkruk - 12-9-2009 at 06:10 AM

The time is quickly approaching, which insurance are most ofyou using? lewis n lewis, discover baja or??

IF you are talking about home insurance......

CasaManzana - 12-9-2009 at 07:15 AM

......the bottom of the barrel is Bancomer!
http://forums.bajanomad.com/viewthread.php?tid=42865

David K - 12-9-2009 at 08:33 AM

He is naming typical auto insurance agents...

1) BajaBound.com supports Baja Nomad! I have used them in the past, all done online. Owners are great people and on Baja Nomad (BajaGeoff).

2) Discover Baja Travel Club. I was already a member, owners are great people and can walk in to their San Diego office if I want to discuss things in person. Online as well. I have them for my annual policy. Their coverage includes that all repairs can be done in the U.S. or Canada, as well.

3) Lewis and Lewis has been popular for many years with many. One independent survey evaluated all the top agents/ policies for service and coverage (several years ago) and gave Lewis and Lewis with Qualitas insurance the top mark. Online or their L.A. office.

[Edited on 12-9-2009 by David K]

bajabass - 12-9-2009 at 08:41 AM

I have used Lewis & Lewis for ten years. A 2009 tundra and a 2009 Element. Quick and easy!

Mexicorn - 12-9-2009 at 08:51 AM

Bernies in Rosarito hands down the Best!

KurtG - 12-9-2009 at 08:57 AM

If you are a Costco member the rates are very good but I have not had to make a claim. Broker is Bonita West.

Hook - 12-9-2009 at 09:06 AM

The best insurance is the one that pays a claim when you file.

Probably upwards of 90% of us have never had to file an auto insurance claim in Mexico. So it is difficult to get a gauge on who is good and who ain't. Most of us just op for ease of application and cost when deciding.

I would urge all Nomads to post their experiences when they have to deal with their insurance companies, much as CasaManzana has done with his house situation.

The same is true for health insurance that many of us have had to shop since we live outside the US fulltime. I went with a company (Bupa Intl.) that absorbed two of the companies recommended by Page and Page in their health and safety guide book. But I have absolutely no knowledge of their willingness to pay claims.

bajabass - 12-9-2009 at 09:30 AM

Good point Hook! Thank God I have never had an accident in Mexico.

David K - 12-9-2009 at 05:21 PM

I was rear ended by a hit and run truck back in 2003... it happened within 50 miles of the border, so my regular State Farm policy covered it.

Check with your U.S. insurance and see what coverage they give into Mexico. Remember you will still need Mexican issued liability insurance no matter what your U.S. policy covers.

Why's that?

Dave - 12-9-2009 at 05:40 PM

Quote:
Originally posted by David K
Remember you will still need Mexican issued liability insurance no matter what your U.S. policy covers.


If you're liability covered isn't that the point?

David K - 12-10-2009 at 08:35 AM

Well, Dave... as you should know having been there so long (unless this has changed): Because Mexico does NOT recognize U.S. insurance companies or let them do business in Mexico. So, your U.S. policy MIGHT cover your car's damages... if you can get it back north. But, it won't cover the other guy if he has a claim against you.... ie.'liability'.

Hey..What do I know?

Dave - 12-10-2009 at 01:21 PM

Quote:
Originally posted by David K
Well, Dave... as you should know


Just commenting on what you said:
Quote:
Originally posted by David K
Remember you will still need Mexican issued liability insurance no matter what your U.S. policy covers.

oldjack - 12-10-2009 at 01:27 PM

I have heard a couple of folks speak of "driver's license" insurance when it doesn't matter what car you drive you are covered.... any info on this type of insurance... where can I get it??? does it really exist? u.s. plated cars or mx plated???

BajaGeoff - 12-10-2009 at 02:24 PM

Any broker that sells regular Mexican insurance will most likely offer the drivers license policies. Keep in mind that the drivers license policy only covers for liability....and not damage or theft of the vehicle. The drivers license coverage we offer is for non-Mexican plated vehicles.

Baja12valve - 12-14-2009 at 03:07 PM

What I like about Baja Bound is the fact they will insure for any public road, dirt or otherwise. I have run into some that will ONLY insure you if you are on a paved road. Well as you know in Baja that is pretty limited. So no matter who you use, be sure to find out the kinds of the roads they will cover.

capt. mike - 12-14-2009 at 03:40 PM

you have to get a mexican drivers license to get that drivers license only policy.
not avail on USA issued licenses.

for planes they just amended the liability to allow non mexican underwriters if your liability policy covers mexico (most all do ) and has a stated coverage min of $212,000.

but smart folks still get a sep mex issued aircraft liability rider cause in some locales the comandante might not agree with or recognize the rule.
only in mexico.....:lol::lol::lol:

BajaGeoff - 12-14-2009 at 03:50 PM

Capt. Mike.....we do in fact offer the drivers license policy for US issued licenses.

To add to what Baja12Valve said....dirt roads are fine so long as they are considered to be a municipal road....or a main thoroughfare. Generally speaking, if it is on the map then you are covered.

DENNIS - 12-14-2009 at 04:24 PM

Quote:
Originally posted by capt. mike
you have to get a mexican drivers license to get that drivers license only policy.
not avail on USA issued licenses.




Just the opposite, Mike. Mexicans can't buy it. A stateside address and license are necessary to get it.
I have it..everybody has it and, in fact, my neighbor got into a wreck and the insurance put the other car back together better than ever.
I know Geoff mentioned this but, just thought I'd expand on it.

KurtG - 12-14-2009 at 04:39 PM

Quote:
Originally posted by capt. mike
you have to get a mexican drivers license to get that drivers license only policy.
not avail on USA issued licenses.

for planes they just amended the liability to allow non mexican underwriters if your liability policy covers mexico (most all do ) and has a stated coverage min of $212,000.

but smart folks still get a sep mex issued aircraft liability rider cause in some locales the comandante might not agree with or recognize the rule.
only in mexico.....:lol::lol::lol:


I have purchased the "driver's license" policy through both ADA VIS and Bonita West (Costco) in the past two years. I do not have a Mexico drivers' license.