BajaNomad

short term u.s. auto insurance

willardguy - 4-12-2012 at 10:47 AM

so what do you full timers do about a u.s. policy when you only travel NOB a few times a year? Is there something similar to the short term mexico policys?:?:

DENNIS - 4-12-2012 at 10:50 AM

Some of us buy it from Elena Bretts in Ensenada. One day or more...whatever you need.

Tel...........646-1785715

Hook - 4-12-2012 at 02:21 PM

Would love to hear what insurance company that is and IF anyone has actually had to use the insurance NOB. And how it went, of course.

This assumes US plated vehicles with a US driver's license, correct?

[Edited on 4-12-2012 by Hook]

DENNIS - 4-12-2012 at 02:46 PM

Quote:
Originally posted by Hook
Would love to hear what insurance company that is and IF anyone has actually had to use the insurance NOB. And how it went, of course.

This assumes US plated vehicles with a US driver's license, correct?



The company is in Texas, I believe, and the name is "National Unity."
That should give you enough info to research it further.

Fortunatly, I haven't had to test the policy, but if asked by CHP, I have insurance.

Yes. US plated cars, currently registered, and a US license.

DaliDali - 4-12-2012 at 03:28 PM

Most states require you to have and prove, insurance for registration renewal.

If you do the "Elena Britts" solution in lieu of a US policy, what are you doing to keep your stateside registered vehicle.....registered?

I also know that if you allow your US policy to lapse, that company will notify the appropriate DMV of such lapse in coverage.

DENNIS - 4-12-2012 at 03:53 PM

Quote:
Originally posted by DaliDali
Most states require you to have and prove, insurance for registration renewal.



South Dakota doesn't. You can register by mail.

http://www.claycountysd.org/

willardguy - 4-12-2012 at 04:59 PM

I know there was a discussion on the so.dakota plates I need to reread..it sucks to carry a annual policy for maybe a couple weeks of driving in the u.s. what do mexican folks with mexican plates do?

DENNIS - 4-12-2012 at 05:07 PM

Quote:
Originally posted by willardguy
what do mexican folks with mexican plates do?


They can buy short term insurance right at the border without even getting out of their car.

willardguy - 4-12-2012 at 05:16 PM

what does it take to get a mexican plate?

bajalou - 4-12-2012 at 05:25 PM

Import your car if it's eligible.

willardguy - 4-12-2012 at 05:35 PM

does anyone do this? what makes it eligible?

DENNIS - 4-12-2012 at 06:51 PM

Quote:
Originally posted by willardguy
does anyone do this? what makes it eligible?


Least I've heard of is 500 bucks....for starters.

Riom - 4-12-2012 at 07:12 PM

Quote:
Originally posted by willardguy
does anyone do this? what makes it eligible?


In BCN, you need a drivers license (so FM3 or FM2 or better), and a car which is 5-10 model years old, made in North America, and not in certain restricted classes. My experience:
http://www.sanfelipelife.com/post/Importing-a-car-to-Baja-Ca...

Once you have a car registered in Baja California, you can get insurance issued in Mexico. Most of these policies include some coverage in the US, for any length of stay, mostly using National Unity as the US insurance.

My latest policy, from Seguros Atlas, includes full coverage in the US (not Alaska) and Canada directly from Atlas's own US company, so it's a single policy and company for all three countries. More on car insurance for Mexican cars:
http://www.sanfelipelife.com/post/Insuring-your-Mexican-regi...

Rob

willardguy - 4-12-2012 at 07:30 PM

ooooooh. well that aint gonna work. thanks for clearing that up rob