bajajudy
Elite Nomad
Posts: 6886
Registered: 10-4-2004
Location: San Jose del Cabo,BCS
Member Is Offline
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ABA Seguras
When our truck broke down and we called ABA they said that we didnt have roadside assistance. Ok, guys you know that I live here and have for many
years. No one, including me, in their right mind would have insurance here without roadside. So I pull out my policy and sure enough there it
is...assistance(or something close) viaje.
Well guess what...my policy only covers that if I am in USA or Canada.
I now have my agent checking to make sure that all my vehicles have roadside.
We will be going back to GNP upon renewal as they have been very easy to work with on roadside assistance.
HINT........read the small print.
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BMG
Super Nomad
Posts: 1776
Registered: 6-10-2007
Location: La Paz / Bahia Asunci�n / Away from home
Member Is Offline
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| Quote: | Originally posted by bajajudy
When our truck broke down and we called ABA they said that we didnt have roadside assistance. Ok, guys you know that I live here and have for many
years. No one, including me, in their right mind would have insurance here without roadside. So I pull out my policy and sure enough there it
is...assistance(or something close) viaje.
Well guess what...my policy only covers that if I am in USA or Canada.
I now have my agent checking to make sure that all my vehicles have roadside.
We will be going back to GNP upon renewal as they have been very easy to work with on roadside assistance.
HINT........read the small print. |
I was just on line to re-new our policy with GNP. When I clicked for more info, a box pop-up appeared. Scrolling down I came across a section on
eligibility. I'm waiting for a call back.
| Quote: |
Eligibility - All residents of the United States or Canada with a Mexico Auto Insurance policy and a MexVisit ® certificate issued via International
Insurance Group, Inc. and who reside outside of Mexico at least 9 months out of the year.
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I think the world is run by C- students.
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
Member Is Offline
Mood: must be 5 O'clock somewhere in Baja
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Try Geoff at Bajabound
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bajajudy
Elite Nomad
Posts: 6886
Registered: 10-4-2004
Location: San Jose del Cabo,BCS
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BMG
I dont understand what that pop up means. But we have 365 day car insurance.
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BMG
Super Nomad
Posts: 1776
Registered: 6-10-2007
Location: La Paz / Bahia Asunci�n / Away from home
Member Is Offline
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| Quote: | Originally posted by bajajudy
BMG
I dont understand what that pop up means. But we have 365 day car insurance. |
Judy - I read it as saying you can't be in Mexico more than 3 months a year. I never noticed this when I purchased our 1 year policy for last year.
I'm concerned that it would be an 'out' for not paying a claim though.
Another problem I see that I didn't notice last year was that you can't purchase full coverage insurance unless you also have a valid U.S. or Canadian
policy. You can only buy a liability policy.
Bajaguy - I did check with Bajabound and same deal with the liability only issue. I also saw on their site that the vehicle cannot currently be in
Mexico, although I'm not sure how they would know that.
At this point, it almost seems better to get DL insurance instead of individual policies on the vehicles. Neither has that much value but more than we
would want to lose without any recourse.
I think the world is run by C- students.
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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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| Quote: | Originally posted by BMG
Another problem I see that I didn't notice last year was that you can't purchase full coverage insurance unless you also have a valid U.S. or Canadian
policy. You can only buy a liability policy.
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We have Mexican plates.
We only have liability anyway.
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BMG
Super Nomad
Posts: 1776
Registered: 6-10-2007
Location: La Paz / Bahia Asunci�n / Away from home
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I am leaning towards the DL insurance. Both the Blazer and the Camry have U.S. tags and neither is new or low mileage. Besides, what can happen in
Mexico?
I think the world is run by C- students.
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twogringos
Nomad
Posts: 184
Registered: 1-7-2007
Location: Bahia Asuncion/Color-Country
Member Is Offline
Mood: I feel more like I do now than I ever have before
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BMG, you can get Liability only for $120/yr from Qualitas without needing US insurance. Comprehensive for a value less than $5000 is $163. See Dalia
Franco at the ING office at Altamirano and 5th Feb.
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David K
Honored Nomad
Posts: 65297
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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I hope Geoff (BajaBound.com) speaks up, as the expert on this...
Mexican Auto Insurance policies we buy are for U.S. residents who vacation in Mexico for a 'limited time'... My 365 day coverage policy means you can
take a trip into Mexico any time during those 365 days for a limited time, not stay there all year... which makes you a Mexican resident, anyway.
Read the fine print, insurance companies don't make money by paying off on claims, so they try not to... right?
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sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
Member Is Offline
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I believe DK is correct on 'most'
of the annual Mex Policies.
They are usually issued as 'tourist'
policies, not for Gringo residents
of Mex. Now who is to prove
resident vs tourist is another
question
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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,
Couple of thoughts.....
Regarding the "90 day" annual policy - If you live full time in Mexico then this is definitely the wrong policy for you. This is for people like David
K who travel often to Mexico, but not more than 90 total days in a years time.
If you buy a "Resident" policy from Genworth Seguros, you do not have to have an active policy in the US. It is also the same price as a "Tourist"
policy, which is nice.
Insuring a vehicle that is currently in Mexico can be done, we just need a statement (and sometimes photos) from the client so that we know the
vehicle has not been involved in an accident. This is basically a way to prevent fraudulent claims.
A drivers license policy is probably the best and most economic option for you....and you can get a "Resident" drivers license policy at the same
price as a "Tourist" one....and it does include legal aid and bailbond.
From the standpoint of our underwriters, a "Resident" is defined as someone spending more than six months out of the year in Mexico.
Hope this helps!
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