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losfrailes
Senior Nomad
Posts: 577
Registered: 11-16-2004
Location: Ejido San Lucas near Santa Rosalia
Member Is Offline
Mood: Good!
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| Quote: | Originally posted by SiReNiTa
Hi everybody this is Shari and Sirena checkin in directly from Ontario, love the trees and lakes and sweet corn on the cob. Looks like Lewis and Lewis
won't work out for us full timers as it clearly states this policy is for tourists and not residents. I want to buy a vehicle in San diego or Tj Or
Ensenada and would like to insure it for baja. So let me know anyone if they find anything...goin sailin now, gotta fly....shari
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If you purchase a vehicle and have it registered in Mexico, I still suggest you contact Qualitas for a quote. They are probably the most standup
insurer in Baja.
If the vehicle you purchase will continue to be registered in the US, you CAN use Lewis and Lewis. They will still underwrite you into Qualitas.
Good Luck, with all the information in this thread you should be able to make a good decision.
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comitan
Ultra Nomad
Posts: 4177
Registered: 3-27-2004
Location: La Paz
Member Is Offline
Mood: mellow
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I have to second frailes on Qualitas they have proven to me that they take care of their claims.
Strive For The Ideal, But Deal With What\'s Real.
Every day is a new day, better than the day before.(from some song)
Lord, Keep your arm around my shoulder and your hand over my mouth.
“The sincere pursuit of truth requires you to entertain the possibility that everything you believe to be true may in fact be false”
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Bedman
Senior Nomad
Posts: 523
Registered: 9-4-2002
Location: Orange County, CA.
Member Is Offline
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(Al G) This is coverage for Mexico. Specifically Baja, Sonora, Sinaloa, Chihuahua, Durango, Coahulla, Nuevo Leon, and Tamaulipas.
$200,000.00 CSL.
$25,000.00 medical.
$75,000.00 legal services.
$30,000.00 to $35,000.00 vehicle cost is $300 per year. (Lower cost vehicle will cost less, see there web page. http://www.mexicanautoinsurance.com/
Increase Liability to $300,000.00 for an additional $48.00.
$30,000.00 Uninsured motorist coverage for an additional $18.00.
I can't answer the question about living FULL TIME in Baja and the L & L insurance. I would recommend you call them directly or visit their
website. It sounds as if Losfrailes has done some research about this aspect and many others.
I do know there are NO restrictions on the number of times you enter Mexico with the L & L policy.
I bring this up only because there are some Annual policies that limit your time in Baja to a max of 6 months and I've heard that some are even less.
(This is Here Say. I can not confirm one way or the other and should be confirmed by the purchaser. Know What your buying.)
If your Vehicle is registered in Mexico you can not purchase a tourist policy for Mexico.
If your Vehicle is registered in U.S.A. you can not purchase a tourist policy for U.S.A.
I am without knowledge of any insurer that will cover Two countries in North America under the same policy.
(Al G) There is only one way (I know of) you can get a motorhome policy that will include Full coverage that includes Homeowners in the U.S.A. is if
you Live in the Motorhome Full time and do not Own a Home. This includes GMAC Good Sam, I am also a member and Maximum coverage included in their
policy is $3,000 on personal items. Then, if you have a break in and someone steals personal items or items that were Not Original Equipment on the
motorhome you are covered. Motorhome policies are not all the same. Ask your agent the tough questions.
(Al G) The boat coverage is available in two forms. Towed and Not Towed. Towed, I believe you include the value in your tow vehicle insurance and list
the boat and motorhome together.
See their website for inclusions and exclusions.
Sirenita, I think Losfrailes is correct on his statement. It only takes a few minutes to confirm.
Losfrailes wrote
" If you purchase a vehicle and have it registered in Mexico, I still suggest you contact Qualitas for a quote. They are probably the most standup
insurer in Baja."
"If the vehicle you purchase will continue to be registered in the US, you CAN use Lewis and Lewis. They will still underwrite you into Qualitas."
All of the above information is from a frail old mans scant memory. His own wife doesn't trust him with the grocery list. Do your own research on any
thing that is important to you.
BEDMAN
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David K
Honored Nomad
Posts: 64857
Registered: 8-30-2002
Location: San Diego County
Member Is Online
Mood: Have Baja Fever
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| Quote: | Originally posted by lencho
| Quote: | Originally posted by David K
Tourist policies and resident policies are different!
An 'annual' policy like what I have with Discover Baja has a limited number of days it is good for in Mexico... Of course there is no way they know
how many days you are south of the border, the point is they are not for people living in Mexico.
There are policies for residents, so don't worry! |
Do you have direct experience with this with Mexican agents? Mine has been that if it has foreign plates, they issue a tourist policy. 
--Larry |
No, I am not a resident of Mexico so my experience as that of being a tourist (or visitor/ traveler) to Mexico. As I said my annual policy cleary
states it is for tourist visits not for long term stays.
I have heard of local agents in Mexico can serve you the best.
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Keri
Super Nomad
Posts: 1393
Registered: 10-31-2002
Location: La Mision, Baja Norte
Member Is Offline
Mood: muy contento
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Hi I wrote this to Lewis andLewis
Hi , Do you have car insurance for people that live in Baja full time but the car is registered and insured in the US with US plates?What would the
price be for an Infiniti Qx4 2000 worth approximately $14,000 or $15,000. Thank you ,K McCarty
this is what they answered
Yes, we do. We offer annual tourist Mexican auto insurance. A tourist is anyone who is a NON Mexican National who?s vehicle is a NON Mexican
registered vehicle.
Plan A covers Baja, Sonora, Sinaloa, Chihuahua, Durango, Coahuila, Nuevo Leon and Tamaulipas.
Full coverage for a vehicle valued at $14,999 = $220 per year.
For information, and applications, please visit www.mexicanautoinsurance.com
Regards,
Lewis and Lewis Insurance Agency
8929 Wilshire Blvd. Ste. 220
Beverly Hills, CA 90211
310-657-1112 or 800-966-6830
310-652-5849 fax
www.mexicanautoinsurance.com
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Al G
Ultra Nomad
Posts: 2647
Registered: 12-19-2004
Location: Todos Santos/Full time for now...
Member Is Offline
Mood: Wondering what is next???
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I also have a reply from L&L to my question below:
From: Albert Geurin [mailto:albert_geurin@sbcglobal.net]
Sent: Wednesday, July 05, 2006 4:35 PM
To: info@mexicanautoinsurance.com
Subject: US/Mexico Insurances
Dear Sirs,
I am a full time RV traveler, about 6mo US and 6mo Baja. I feel that I am being charged twice, because I pay Good Sams 12 months and Vagabundos 12
months. For the same insurance.
With the RV industry expanding at a very fast clip and more and more people are wanting a single policy to cover all, there must be an answer. Even if
you use two underwriters and I call in and tell you when I enter and leave Mexico.
sincerely,
Albert Geurin
We offer annual and short term policies. The short term policies are sold by the day and are cost beneficial for travel lasting 15 days or less. The
annual policies are extremely well priced and are about equal to 16 days of a short term. So, while you may not need the policy for the entire year,
the rate is quite competitive, offering the best coverage for the best price. We are an independent agent, so there is no club or membership fee like
you have with Vagabundos. Also, we do not require that you carry US insurance at the time you have your Mexican insurance. So, if you would like to
cancel / suspend your US coverage while you are in Mexico, your Mexican policy would still be in force. Then when you go back to the US, you can
reinstate, if that works to your advantage.
An example of our rates:
Plan A covers Baja, Sonora, Sinaloa, Chihuahua, Durango, Coahuila, Nuevo Leon, and Tamaulipas.
Liabilty only = $106 per year.
Liability only for short term would be $5.00 per day, plus a $20 fee, and 10% tax. 16 days = $110.00
Full coverage for a vehicle valued at $19,999 = $247 per year.
Full coverage for short term for 16 days, for a vehicle valued at $19,999 = $12.00 per day, plus a $20 fee, and 10% tax = $233.20
If you have further questions, please let us know. If you?d like a quote for your vehicle, please let us know.
Regards,
Lewis and Lewis Insurance Agency
8929 Wilshire Blvd. Ste. 220
Beverly Hills, CA 90211
310-657-1112 or 800-966-6830
310-652-5849 fax
www.mexicanautoinsurance.com
I think this is a very good way to go. I do think Good Sams has a suspend feature.
[Edited on 7-6-2006 by Al G]
Albert G
Remember, if you haven\'t got a smile on your face and laughter in your heart, then you are just a sour old fart!....
The most precious thing we have is life, yet it has absolutely no trade-in value.
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Al G
Ultra Nomad
Posts: 2647
Registered: 12-19-2004
Location: Todos Santos/Full time for now...
Member Is Offline
Mood: Wondering what is next???
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Thanks to all for getting me on the right track.
Albert G
Remember, if you haven\'t got a smile on your face and laughter in your heart, then you are just a sour old fart!....
The most precious thing we have is life, yet it has absolutely no trade-in value.
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BajaGeoff
Super Nomad
Posts: 1727
Registered: 1-11-2006
Location: San Diego and Campo Lopez
Member Is Offline
Mood: Heading To Baja!!!
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Hello All,
There are many things to consider:
1. Most Mexican insurance companies offer an annual "tourist" policy that covers for 365 days of the year regarless of the number of times you enter
Mexico. In general, an annual (instead of several daily policies) is the best way to go if you plan on spending more than three weeks in Mexico over a
years time. Additionally, there is also the "90 day annual" tourist policy (What David K has) that covers you for up to 90 days of travel time in
Mexico over a year long period.
2. If you are going to be living full time in Mexico, or plan to be in Mexico more than six months out of the year, you will need to buy a "resident"
policy. In most cases you will be allowed to let your U.S. coverage run out as long as you do not have a lapse in coverage between the U.S. policy and
the Mexican policy. This does depend on the underwriter you choose though.
3. If you are driving an RV with a US policy that covers for theft and physical damage throughout Mexico, all you will need is a supplimental
liability-only policy from a Mexican underwriter to fulfill the insurance requirements should you be involved in an accident.
4. Currently, there is no single insurance policy available that provides coverage on both sides of the border. That would be a great product though!
5. It is also important to consider additional features of a Mexican insurance policy beyond theft/accident/liability coverage. Does it include
roadside assistance and towing service? Does it provide legal aid and bail bond coverage? Is there trip continuation coverage? Does it provide
emergency air evacuation? There are many inexpensive Mexican insurance policies out there, but if a situation arises while in Mexico I would much
rather be over insured than under. Just my opinon. If you are a seasoned Baja traveler with a good grasp on the Spanish language these additional
features are probably not needed and a policy from Lewis and Lewis would probably be a good option in regards to price. Most of our customers really
like having the added features for peace of mind though.
6. Regarding claims, Baja Bound has worked with GE Seguros for almost 4 years now and their claims service has been stellar. I highly recommend GE.
7. Baja Bound can insure cars, motorcycles, RV's and boats while they are in tow. If you do need boat insurance on the water you can visit www.mexadventure.com. Jeff Nordahl from Mexadventure is a competitor of ours but also a friend.....and we often refer him our customers needing
boat insurance on the water.
I hope this helps to answer many of the questions that were raised in this thread. Feel free to contact me through the U2U if you have any additional
questions...
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bajajudy
Elite Nomad
Posts: 6886
Registered: 10-4-2004
Location: San Jose del Cabo,BCS
Member Is Offline
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I highly recommend roadside assistance. One tow and it almost pays for itself...three and you could pay for your insurance for a year.
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David K
Honored Nomad
Posts: 64857
Registered: 8-30-2002
Location: San Diego County
Member Is Online
Mood: Have Baja Fever
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Thanks Geoff for your information!
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