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Roasty
Junior Nomad
Posts: 68
Registered: 7-29-2006
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My pride and joy...............(talking about the Missus sitting at the front of the boat!)
http://i184.photobucket.com/albums/x91/larsdorders/Boatnextt...
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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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Boy she is a beauty...any name on the stern?
I will keep my eyes open for it but it is probably not headed this way.....good luck and cheers to you.
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Pescador
Ultra Nomad
Posts: 3587
Registered: 10-17-2002
Location: Baja California Sur
Member Is Offline
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| Quote: | Originally posted by jimgrms
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 |
Jim, this is an absolutely ridiculous statement. All insurance companies, whether health, life, property, or liability operate on a written contract
and will pay exactly as the contract is written. I have been a Colorado insurance agent for the last 20 years and can honestly report that all
companies pay according to their written contract. The problem is that not every client bothers to read their contract and usually files them away in
the bottom of the drawer and then gets upset when they hope and pray they are going to be paid for their loss but most of the time they do not have a
clue about what the original contract really said. I have insisted that when the contract comes from the company I always deliver and go over the
contract with the customer and can say there has never been an misunderstanding in my insurance career.
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Pescador
Ultra Nomad
Posts: 3587
Registered: 10-17-2002
Location: Baja California Sur
Member Is Offline
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| Quote: | Originally posted by Roasty
Thanks David, it's been a bit of an emotional roller-coaster these last few weeks, and I appreciate all the info and comments received. DB was very
helpful to us in the past and we trusted, and put a lot of faith in them to walk us thru the mexican insurance mine-field. Thats the only problem I
have, we were newbies to owning a place in Baja and used them for our casa policy and subsequent truck policy. Indeed we thought that by going to a
Baja/mexican travel club/specialist and putting all our coverage eggs in one basket - we were playing it safe.
I'm currently offering a $5,000 reward for info leading to the recovery of the boat and trailer. Please U2U positive info to me.
Thanks all. |
Roasty, I admit right up front that I am in over my head in understanding all of the legal ramifications of this deal but will give some general
comments. First, it is a good thing that the boat was attached to the truck as that is the only way that it would be covered in Mexico. Did you have
any oher insurance like Progressive for coverage in the US? If so you may find that you have some coverage. All Mexican policies that cover boats
only cover them when they are attached to the towing vehicle. Secondly, in the US, if you were to talk to the Insurance Commissioner and can prove
that you had intent to insure, then you may have recourse or coverage provided that you pay the back premiums due. In Mexico I would be surprised if
this same thing is true but it is worth at least checking out.
I know you are frustrated with DB and I think that Hugh and Caroll are great agents but it is important to understand that they are selling or
brokering surplus lines and are not directly connected to the company. This is a more tenous relationship than a licensed representative of the
company and limits the amount of power they are able to influence with the insurance company.
Finally, when obtaining a policy, be aware that this is a written contract and needs to be reviewed in each and every case. Whenever there are any
changes to your policy, make sure that all additions are carefully looked over and checked. I am in the business but we caught an omission with Lewis
and Lewis on one of their policies and fortunately we caught it before heading down to Mexico and got it straightened out before leaving Colorado.
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DianaT
Select Nomad
Posts: 10020
Registered: 12-17-2004
Member Is Offline
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We have renewed our insurance through Discover Baja on line several times. Yes, one does need to be careful which policy they are renewing. We have
had policies that cover all of Mexico, ones that cover just Baja and the Northern Mainland state, ones with our trailer and ones with our camper---so
we have to be careful to renew the correct one.
I am really sorry to hear about your problems---it is so difficult when something is stolen, such a personal afront. Our truck was stolen in
Guatemala a few days after we told our new insurance agent we did not want theft coverage. It was a costly mistake.
Good luck
Diane
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Roasty
Junior Nomad
Posts: 68
Registered: 7-29-2006
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Thanks for the insight guys, but this thing is getting weirder by the minute. We got copies of the "policy" and it turns out that they had two
seperate "policies' with two different carriers ?? Firstly "Ace: for a years, yes ....years liability, and then the previously mentioned GE Segundo
for theft.
I agree with the concept of sitting down with your insurance broker when you are getting the coverage (we do that with our Farmers broker for our US
coverage), but I may be wrong, i don't think the helpful mult-tasking staff at DB do that ? Be that as it may, our fault for not demanding a reading
of the specific coverage limitations. But then why cover liability for a year, but only theft for a part of a year? We most certainly were not
explained that.
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JZ
Select Nomad
Posts: 13106
Registered: 10-3-2003
Member Is Offline
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| Quote: | Originally posted by Pescador
First, it is a good thing that the boat was attached to the truck as that is the only way that it would be covered in Mexico. All Mexican policies
that cover boats only cover them when they are attached to the towing vehicle. |
What are you talking about?? That is 100% not true.
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JZ
Select Nomad
Posts: 13106
Registered: 10-3-2003
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| Quote: | Originally posted by Roasty
Again, (and yes DB this may go to litigation), we asked for a years coverage in Mexico for our new Boat and trailer. And were duly charged for a years
coverage.
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That settles it for me. DB is going to lose this one.
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David K
Honored Nomad
Posts: 65303
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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JZ, are you saying that an endorsement ADDED to the primary policy continues on WITHOUT the primary vehicle's policy???
I recall that his primary policy EXPIRED before he renewed it, and he picked the policy (or a policy) WITHOUT the added coverage to renew!
I think Pescador is correct in that Mexican policies for tourists do NOT cover boats & trailers EXCEPT when they are attached to the primary
policy vehicle...
[Edited on 6-22-2007 by David K]
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JZ
Select Nomad
Posts: 13106
Registered: 10-3-2003
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Nice try, but that's not what I said, read more carefully.
I guaratee you that the policy for my boat covers it w/o regard to any vehicle. Do you have a clue how many non-trailerable boats there are in
Mexico?? That should give you some hint that it's a false statement. Even for trailable boats it's not true. Maybe certain policies. But that's
not what was stated in the post.
[Edited on 6-22-2007 by JZ]
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David K
Honored Nomad
Posts: 65303
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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| Quote: | Originally posted by JZ
Nice try, but that's not what I said, read more carefully.
I guaratee you that my policy for my boat covers it w/o regard to any vehicle. |
This thread is not about YOU or your policy, is it?
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JZ
Select Nomad
Posts: 13106
Registered: 10-3-2003
Member Is Offline
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| Quote: | Originally posted by David K
| Quote: | Originally posted by JZ
Nice try, but that's not what I said, read more carefully.
I guaratee you that my policy for my boat covers it w/o regard to any vehicle. |
This thread is not about YOU or your policy, is it? |
Yeah, just like this web site is not about YOU, sun boob.
[Edited on 6-22-2007 by JZ]
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David K
Honored Nomad
Posts: 65303
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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Too bad you don't know it, but it is about BAJA... not attacking others for the pleasure of causing problems.
Peace out dude!
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amir
Senior Nomad
Posts: 559
Registered: 5-4-2007
Location: Todos Santos, BCS
Member Is Offline
Mood: chiropractic
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Back to the topic of this thread.
Failure of full disclosure.
Unclear policy periods, timing of claims, and delivery of services.
I think Roasty has a case.
Now would be a good time to throw in a few lawyer jokes, just to lighten the mood a little...
--Amir
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Pescador
Ultra Nomad
Posts: 3587
Registered: 10-17-2002
Location: Baja California Sur
Member Is Offline
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| Quote: | Originally posted by JZ
| Quote: | Originally posted by Pescador
First, it is a good thing that the boat was attached to the truck as that is the only way that it would be covered in Mexico. All Mexican policies
that cover boats only cover them when they are attached to the towing vehicle. |
What are you talking about?? That is 100% not true. |
If you check carefully on your policy you will find that you are only covered for liability on your boat and only covered for theft when the boat is
attached to the tow vehicle. I had a boat stolen in Muertos and had to find out the hard way that I was not covered the minute the boat was no longer
attached to the vehicle. It was explained to me from Mexico city that they cover boats only as an add on and therefore are covered only when there is
either an accident or theft of the vehicle and boat. And guess what, it says that pretty clearly in the policy as well. If you have a policy that
covers the boat seperately that is great, but the only way I have found I can do that is with a United States Policy from Progressive. I think a lot
of people think that they have boat coverage when in fact it is extremely limited.
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Pescador
Ultra Nomad
Posts: 3587
Registered: 10-17-2002
Location: Baja California Sur
Member Is Offline
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| Quote: | Originally posted by Roasty
Thanks for the insight guys, but this thing is getting weirder by the minute. We got copies of the "policy" and it turns out that they had two
seperate "policies' with two different carriers ?? Firstly "Ace: for a years, yes ....years liability, and then the previously mentioned GE Segundo
for theft.
I agree with the concept of sitting down with your insurance broker when you are getting the coverage (we do that with our Farmers broker for our US
coverage), but I may be wrong, i don't think the helpful mult-tasking staff at DB do that ? Be that as it may, our fault for not demanding a reading
of the specific coverage limitations. But then why cover liability for a year, but only theft for a part of a year? We most certainly were not
explained that. |
Roasty, two things. First, you should contact the insurance office in California and find out about the rules of what applies to Surplus Lines
Brokers to see what may be applicable in this case. In Colorado you might well be covered due to "intent to cover" but I do not really know about the
law in California, but the insurance commisioners office is a regulatory overseeing body that will have a lot of answers to your questions and you
should find them quite helpful. Secondly, do you in fact have a United States policy to cover theft on the boat (like Farmer's?) Since the theft
occured in Ensanada you may be within the area covered by your US Policy, if you have one.
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Roberto
Banned
Posts: 2162
Registered: 9-5-2003
Member Is Offline
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Regarding boats:
I have two policies - one covers me while I am towing the boat - and any damage it may cause to others, and is in effect ONLY when attached to the tow
vehicle. But, the moment I go down the ramp and the boat is off the trailer (actually, it may not even cover the launching, I'm not sure) that policy
is useless, and I have another covering me for that.
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JZ
Select Nomad
Posts: 13106
Registered: 10-3-2003
Member Is Offline
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| Quote: | Originally posted by Pescador
| Quote: | Originally posted by JZ
| Quote: | Originally posted by Pescador
First, it is a good thing that the boat was attached to the truck as that is the only way that it would be covered in Mexico. All Mexican policies
that cover boats only cover them when they are attached to the towing vehicle. |
What are you talking about?? That is 100% not true. |
If you check carefully on your policy you will find that you are only covered for liability on your boat and only covered for theft when the boat is
attached to the tow vehicle. I had a boat stolen in Muertos and had to find out the hard way that I was not covered the minute the boat was no longer
attached to the vehicle. It was explained to me from Mexico city that they cover boats only as an add on and therefore are covered only when there is
either an accident or theft of the vehicle and boat. And guess what, it says that pretty clearly in the policy as well. If you have a policy that
covers the boat seperately that is great, but the only way I have found I can do that is with a United States Policy from Progressive. I think a lot
of people think that they have boat coverage when in fact it is extremely limited. |
My policy has nothing to do with a tow vehicle.
You said:
"All Mexican policies that cover boats only cover them when they are attached to the towing vehicle"
This statement as read is false. It may be a true statement if you were referring only to policies that cover you when towing a boat. But that's not
what you stated. You stated "all" Mexican policies that cover boats.
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Pescador
Ultra Nomad
Posts: 3587
Registered: 10-17-2002
Location: Baja California Sur
Member Is Offline
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My bad, JZ, you are right and I am wrong.
I thought that this thread was about a boat add on to a Mexican auto policy. As of this time, in my small amount of research, I personally know of
no auto policy which covers the boat added on except for when the boat is attached and being towed. I asked one of the directors of Seguros in Mexico
City if I would be covered with that policy if I stopped in to eat something and someone stole the boat, and they answered that I would not be covered
in that case.
Rather than debating individual policies, what I was attempting to alert the Nomads about was the exclusions of their policy concerning coverage on
add on boats.
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JZ
Select Nomad
Posts: 13106
Registered: 10-3-2003
Member Is Offline
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| Quote: | Originally posted by Pescador
My bad, JZ, you are right and I am wrong.
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Well, it was simply confusion about the scope of your statements; you were right about subject your intended - trailering.
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I asked one of the directors of Seguros in Mexico City if I would be covered with that policy if I stopped in to eat something and someone stole the
boat, and they answered that I would not be covered in that case.
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No sh-t! That's scary!
| Quote: |
Rather than debating individual policies, what I was attempting to alert the Nomads about was the exclusions of their policy concerning coverage on
add on boats.
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Yeah, what you posted is eye opening for some of us for sure.
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