From a request in the Baja Western Onion (http://www.bajawesternonion.com/issues/100724.asp) asking for information on getting auto insurance for Mexican-plated vehicles, I received over
20 replies. Here's what I learned that might help others who are as clueless as I was:
Most agents represent a number of companies and offer auto, boat, business and home insurance. There are basically two types of policies for most of
Mexico; "Basica" and "Amplia."
Basica covers road and legal assistance, property damage, civil liability and medical. Amplia typically adds damage to your own vehicle and loss due
to theft or robbery. Deductables for damage or theft ranged from 5% to 10%. Premiums for Amplia coverage were at least twice as much as Basica. There
is also a third type of policy covering property damage and civil liability for cars with Mexican "Frontier" plates that enter the US.
Mexican banks, Banorte, Bancomer, etc, offer all kinds of insurance insurance. You need to have an account to get insurance from them.
Across all the plans where I received quotes, Medical coverage ranged from $90,00 to $500,000 pesos. Damages to third-party ranged from $750,000 to
$1,500,000 pesos.
Insurance premiums are on a par with the US, but it pays to shop around. Depending on insurer and coverage, annual premiums ranged from around $2,200
pesos to over $11,000.
With some insurers, you can pay by the month, trimester, semi annual or annual, and you may be able to pay by credit card.
I received recommendations for the following insurers/agents in the Los Cabos region, listed in no particular order or preference:
Bancomer, Vivianne Jauregui, (612) 145-0785, vivianne.jauregui [-a-t-] bbva.bancomer.com, Todos Santos
Alan, great work! Many thanks. Some other questions:
1. If you are driving a car with a Mexican plates in Baja must you have a Mexican driver's license? Would you be cited if you only had a U.S. license?
2. If your gardener, with a Mexican driver's license, drives your U.S. plated car in Baja is he recognized by the local and federal police to be an
authorized driver?
3. Can you (with only a U.S. driver's license) drive your gardener's car which has Baja plates and not be subject to a fine if stopped for a speeding
ticket or a non-accident occurance?BCSTech - 8-12-2010 at 06:05 PM
Quote:
Originally posted by Osprey
Alan, great work! Many thanks. Some other questions:
1. If you are driving a car with a Mexican plates in Baja must you have a Mexican driver's license? Would you be cited if you only had a U.S. license?
I was told "Yes."
Quote:
2. If your gardener, with a Mexican driver's license, drives your U.S. plated car in Baja is he recognized by the local and federal police to be an
authorized driver?
I was told they can be arrested and your vehicle confiscated.
Quote:
3. Can you (with only a U.S. driver's license) drive your gardener's car which has Baja plates and not be subject to a fine if stopped for a speeding
ticket or a non-accident occurance?
I think this will cost you big time one way or another.Osprey - 8-12-2010 at 06:12 PM
Alan, thanks so much. We owe you one.Mexicorn - 8-12-2010 at 07:00 PM
Let's not forget Bernies in Rosarito about $120 a year covering two drivers licenses with ten entries to Mexico a year. You also get his son who can
assist with any issues, he's a laaaaawyer!BCSTech - 8-12-2010 at 07:12 PM
Quote:
Originally posted by Mexicorn
Let's not forget Bernies in Rosarito about $120 a year covering two drivers licenses with ten entries to Mexico a year. You also get his son who can
assist with any issues, he's a laaaaawyer!
That's Mexican insurance for US-plated vehicles entering Mexico,
no?
My post only covers Mexican insurance for Mexican-plated vehicles.Mexicorn - 8-12-2010 at 07:32 PM
