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Roasty
Junior Nomad
Posts: 68
Registered: 7-29-2006
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Insurance (or lack of) Coverage in Baja
Our truck was covered for liability/theft in Mexico thru Discover Baja Insurance.
8 months later, we requested a quote for a years coverage on our new boat and trailer.
We were quoted the premium, duly paid the charge, and were told that this would be shown as an “endorsement” to the original truck policy.
The following April, the truck policy expired, and was renewed.
The boat and trailer policy was mistakenly (By Discover Baja / Insurance Co.) not added as an “endorsement” to this renewed policy.
At this time we were less than 6 months into the original year of additional coverage purchased for the boat/trailer– or so we thought.
Now we are being told that the boat policy/endorsement was “concurrent coverage” with the truck.
That is to say, the truck policy expires, so do the endorsements.
According to Discover Baja we are being told that we did not buy 12 months of policy (as requested and quoted at the time), as it is a “one time”
charge that is not pro-rated.
So if you buy this extra coverage on the same day you purchase the original (truck) policy, it will be the same cost if you do it 10 months later with
only 2 months coverage left to go.
Now we have had our boat stolen we are seeing first hand the lack of communication from the insurance company (G E Segundo), and a total “shrugging of
shoulders” and “you should have known” attitude from Discover Baja.
Just to confirm, we were never, at any time told that the additional coverage was for anything less than a year.
We paid the full value that we were quoted for coverage.
We have supported Discover Baja, and have recommended them to many friends who have property or travel in Baja.
[Edited on 6-19-2007 by Roasty]
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
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Roasty ----
Sounds like your nightmare continues. I feel bad for you.
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Bruce R Leech
Elite Nomad
Posts: 6796
Registered: 9-20-2004
Location: Ensenada formerly Mulege
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Mood: A lot cooler than Mulege
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I think I would see a lawyer on that one
Bruce R Leech
Ensenada
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Iflyfish
Ultra Nomad
Posts: 3747
Registered: 10-17-2006
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I am so sorry amigo
So sad, you tried to do it right and now this!
Grrr
Iflyfish
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woody with a view
PITA Nomad
Posts: 15940
Registered: 11-8-2004
Location: Looking at the Coronado Islands
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Mood: Everchangin'
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he makes a case for just riding a bus to the border, getting home and reporting your rig stolen from the local home depot to your u.s. carrier.
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Minnow
Banned
Posts: 1110
Registered: 8-30-2002
Location: Lost Wages
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Mood: Embarrased Harry Reid is a Nevadan
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Though you still need MX coverage for the MX officials,your US policy might cover your loss. My policy covers me for 100 miles into MX. Ensenada
falls into that catagory. Good Luck.
Proud husband of a legal immigrant.
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Roberto
Banned
Posts: 2162
Registered: 9-5-2003
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| Quote: | Originally posted by Bruce R Leech
I think I would see a lawyer on that one |
Sorry. An endorsement, by definition, cannot outlast the policy it applies to.
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Roberto
Banned
Posts: 2162
Registered: 9-5-2003
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| Quote: | Originally posted by Minnow
Though you still need MX coverage for the MX officials,your US policy might cover your loss. My policy covers me for 100 miles into MX. Ensenada
falls into that catagory. Good Luck. |
The difference lies in liability. U.S. liability insurance is useless in Mexico, as it is not recognized by that country. Theft,
however may be a different story, and what Minnow says may apply to you. It's worth a shot.
[Edited on 6-19-2007 by Roberto]
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toneart
Ultra Nomad
Posts: 4901
Registered: 7-23-2006
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Mood: Skeptical
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I may be wrong, but I believe GM Segundo is a Mexican insurance company. Discover Baja is a club that writes the policies as a service. Usually they
have more leverage with the insurance company because of the volume of business they send them.
It sounds like Discover Baja(your representative/agent) screwed up in not catching their error. You are probably out of luck with the insurance
company, but keep trying with Discover Baja.
Like Roberto said in his post, "an endorsement, by definition, cannot outlast the policy it is applies to".
Sorry for your loss on top of your loss. It is looking like you are a victim of the ole fine print bugaboo. Insurance companies have never been known
to be benevolent entities.
I too have an insurance horror story. I, and most of the victims of the Hurricane John flood in Mulege have still not gotten their settlements. We had
flood insurance and the company has acknowledged our claims. When and if I do get paid, I will tell all and name names, but for now I will hold my
tongue. By the way, GM Segundos, through Discover Baja were the quickest to pay off and offered the most satisfactory settlements.
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David K
Honored Nomad
Posts: 65304
Registered: 8-30-2002
Location: San Diego County
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Mood: Have Baja Fever
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Because Discover Baja is a club of people who go to Baja that offers discounted auto insurance, the hope is they will do all that can be done to help
fellow club members.
An employee typing up a policy could make a mistake or forget to explain that the amendment doesn't 'automatically' get added on to the renewed
policy. I would hope that the person who did type it up asked you if you were towing anything and if you would like coverage on the trailer and boat
on the trailer... You would maybe then say "I added the boat and trailer 'X' months ago to the last policy"
The agent/ employee would then need to tell you that the boat and trailer must be renewed now, with the new truck policy... Yes, ???
I hope Discover Baja can help!!! The owners are very nice people and will do what ever they can...
[Edited on 6-20-2007 by David K]
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Roberto
Banned
Posts: 2162
Registered: 9-5-2003
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Nice people or not, they screwed up. They should have added all current endorsements to the new policy.
I think the chances of them "making it right" are pretty slim, however. They would have to pay for the loss personally in order to do that.
On the other hand, the person purchasing the policy should have checked it. These surplus line brokers are not exactly known for their competence in
writing these policies. Last time I renewed by Lewis & Lewis policy I got a policy for the right period and everything ... starting in 2001 and
expiring in 2002! 
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DiscoverBaja
Newbie
Posts: 5
Registered: 6-19-2007
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In response to the June 19, 2007 posting by “Roasty” regarding their Mexican insurance policy, Discover Baja would like to state the follow facts
regarding the matter:
Last year, “Roasty” purchased a full-coverage annual Mexican insurance policy from Discover Baja for their truck and utility trailer. The policy was
effective from April 4, 2006 to April 4, 2007.
On November 17, 2006 “Roasty” contacted Discover Baja to have an “endorsement” added to that policy, to add full coverage for a boat and trailer. As
with any insurance policy (whether it be underwritten by an American or Mexican company) when a policy is “endorsed”, the “endorsement” expires when
the policy expires.
This fact is always stated on the policy and acknowledged to the purchaser by Discover Baja. “Roasty” was provided a copy of the new policy showing
the “endorsement” with the additional coverage and the same expiration date of April 4, 2007.
On April 26, 2007, “Roasty” went to our web site to renew their policy online. Although all of their policies (including the one with the additional
coverage for the boat and trailer) were clearly available for review and renewal on the web site, “Roasty” chose to renew the earlier policy that did
not include the “endorsement” for additional coverage for the boat and trailer. The policy “Roasty” chose to renew clearly states that it covers only
the truck and utility trailer, and does not include any additional coverage (nor any additional charge) for the boat and trailer.
So, contrary to any impressions, Discover Baja staff did not re-write this policy. If “Roasty” had called our office for the renewal, the staff would
have clearly explained the coverage and re-written the policy. When members choose to renew a policy online, there is a reasonable assumption that
they read the policy and know what they are purchasing.
Discover Baja feels very badly about this situation and has made every effort to be helpful and responsive to “Roasty”. We have provided copies of
all the policies and receipts, and have been in communication with our surplus lines broker, who has been dealing with Genworth, the Mexican
underwriter, on behalf of “Roasty”.
Because this could become a matter for litigation, Discover Baja will refrain from any further discussion of this particular case on this public
forum. We hope all of you will understand that there are two sides to every story. If any of you currently have insurance with Discover Baja, we
would welcome any inquiries or questions you may have about your policy (800) 727-2252. We want all of our customers to fully understand their
insurance coverage, and we are always glad to answer any questions.
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David K
Honored Nomad
Posts: 65304
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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Well, that clears up a lot... Thanks Hugh & Carol!
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Crusoe
Senior Nomad
Posts: 731
Registered: 10-14-2006
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Well!!......Whats your take Roasty ??
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Crusoe
Senior Nomad
Posts: 731
Registered: 10-14-2006
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Roasty.....I feel very sad for you! Truly sorry for your loss. I have had over the years alot of small stuff stolen in Baja! One always feels so
violated........35 years ago some wheels and tires were removed off my truck, while it was parked in a semi-remote place. An older man, and old Baja
hand, whom I respected dearly, told me something that I never forgot. "If you cannot afford to lose it , Do not take it to Baja". I hope the Insurance
Company will make good your losses. Best of luck.++C++
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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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Roasty....check your u2u.....
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woody with a view
PITA Nomad
Posts: 15940
Registered: 11-8-2004
Location: Looking at the Coronado Islands
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Mood: Everchangin'
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| Quote: |
We hope all of you will understand that there are two sides to every story.
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maybe, but the truth lies somewhere in between!
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jimgrms
Senior Nomad
Posts: 664
Registered: 9-30-2005
Location: oceanside ca
Member Is Offline
Mood: its always good
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I have found that insurance co. will do whatever they can to avoid a loss and discover baja as a agent is doing the same thing. they are in
buisness to make aprofit not to help people
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rob
Senior Nomad
Posts: 509
Registered: 10-19-2004
Location: Pacific Coast, BCS
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Woody, you mean that truth is an average of the facts?
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woody with a view
PITA Nomad
Posts: 15940
Registered: 11-8-2004
Location: Looking at the Coronado Islands
Member Is Offline
Mood: Everchangin'
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| Quote: |
Woody, you mean that truth is an average of the facts?
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no. i meant there are 3 sides to every story. your's, mine and what really happened......
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