JRabbit
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Vehicle insurance for those who off road...
I know vehicle insurance in Mexico has been discussed in great lengths in this forum but I was wondering what company covers vehicles that don't
always take the beaten path.
Also what constitutes as "off-roading" in Baja and Mexico?
I was reading bajabounds info and they mention that they do not cover off-road vehicles....
lewis&lewis didn't mention anything on their website either.
Any suggestions?
[Edited on 1-23-2008 by JRabbit]
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CaboRon
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You bring up an interesting point.... I believe mine says it covers you only on paved roads.... well that would mean I'm not covered on half the
roads in Todos Santos .... is driving down the dirt Camino del Pacifico considered off roading ?
It seems I might not be covered at all most of the time and I am not doing what you might consider off roading.
CaboRon
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BajaGeoff
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Hey JRabbit and CaboRon,
The Genworth Seguros guidelines say that coverage ceases when a vehicle is taken off of "conventional roads". They define conventional roads as those
that are used for the normal transit of vehicles. Dirt roads are fine so long as they are a main route utilized by vehicles on a regular basis. Once
you leave a conventional road and get into a situation where the terrain is rough or not maintained there will be no coverage offered.
In terms of finding coverage for true off road situations - I don't know of a policy that exists for this because of the high risk involved.
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CaboRon
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BajaGeoff,
Thanks for clearing that up ....
CaboRon
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JRabbit
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Great that is all I needed to know!
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JRabbit
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One last question...
Does mex insurance go by blue book value for most companies??
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TMW
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My only experience in being paid by Mexican insurance for a total lost was in 1988 and they paid me for the new price I paid for the truck minus the
$100 deductable at the time. My son wrecked a new 1988 Toyota pickup east of Mexicali on hwy 2.
If you do have a wreck in Mexico and claim it with the Mexican insurance be prepared to do the leg work on getting all the paper work signed. Also
have a person that speaks spanish fluently talk to the Federales. They don't usually speak to you in english on offical matters. I have done three
claims with my Mexican insurance and that has been my experience. Everyone I dealt with was very good to me except the Federales and they have been
the ones wanting a payoff. Maybe things have changed.
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Ken Cooke
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| Quote: | Originally posted by JRabbit
Also what constitutes as "off-roading" in Baja and Mexico?
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Here's a good example of "Off-Roading" in a place most people have no business traveling.   
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Roberto
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I had a claim once where the accident was in Gonzaga. Long story ...
But, I couldn't call on the satphone (looks like a US call) so had to wait until I got to GN. I did that, two days later - no problem, no questions
asked.
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4baja
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my buddy once drove his car off a cliff down there and was able to drive it back to tj. he told them it happend on the road. no questions ask. who
would know?
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Bob and Susan
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your maker
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Mexitron
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My friend drove over a cliff too, totalled the truck on a "non-conventional" dirt road. First thing wrong was that the road was not covered by
insurance, second was that there was no collision with another vehicle--both requirements in the late 1980s, anyway, to get reimbursement. Don't know
if that's still the case.
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BajaGeoff
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JRabbit,
We always recommend our clients to insure the vehicle based upon the current retail value from Kelley Blue Book or Nada guide. It is important to
mention that overstating the value of the vehicle when you buy a policy does not benefit you in any way. In the event of a total loss or theft, the
most that you will get paid out is the current retail value minus the deductible.
And Ken..........that definitely falls under the category of a non-conventional road!!!
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JRabbit
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Good to know!
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