bajagrouper
Senior Nomad
Posts: 964
Registered: 8-28-2003
Location: Rincon de Guayabitos, Nayarit, Mexico
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Mood: happy and retired
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Insurance,required in Baja?
What would happen if you were in an accident in Baja without insurance?
I hear the whales song
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thebajarunner
Ultra Nomad
Posts: 3734
Registered: 9-8-2003
Location: Arizona....."Free at last from crumbling Cali
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Mood: muy amable
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carcel
My partner, Jack McCoy, spent 8 days in jail in Los Mochis and he had insurance!
It is a whole chapter in our book, "Racing's Real McCoy"
(believe it or not, he enjoyed the experience... well, all but the rats)
Baja Arriba!!
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bajagrouper
Senior Nomad
Posts: 964
Registered: 8-28-2003
Location: Rincon de Guayabitos, Nayarit, Mexico
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Mood: happy and retired
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answer please
Again thanks for the story...
I hear the whales song
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Tucker
Senior Nomad
Posts: 664
Registered: 10-31-2002
Location: El Centenario, BCS
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Chances are
you would stay in jail until some financial arrangement was worked out.
\"I think it would be a good idea.\"
-- Mahatma Gandhi, when asked what he thought of Western civilization
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jrbaja
Ultra Nomad
Posts: 4863
Registered: 2-2-2003
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Fender bender
you can probably work it out on the spot. Severe accident, you will go to jail.
Whether you are gringo, Mexican, or spaceman, it is the law to have insurance to get in an accident in Mexico.
Not necessarily to drive but, if someone runs into you and you don't have insurance, you will go to jail until responsibility is proven. Serious !
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thebajarunner
Ultra Nomad
Posts: 3734
Registered: 9-8-2003
Location: Arizona....."Free at last from crumbling Cali
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Mood: muy amable
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JR is right
Depending on the severity of the crash the possession of insurance may be irrelevant.
Jack killed the guy (it was the fourth or fifth time the guy have been run over, he was not wrapped too tight) but off to the carcel he went.
Mr. Adjuster shows up, immediately wants $500 US to proceed, and Jack refused. 8 days later, with a lot of help from a local business man (Stanford
grad) he got out.
But, if the injury is serious, or worse, off you go.
No insurance, buena suerte amigo!!
Baja Arriba!!
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Dave
Elite Nomad
Posts: 6005
Registered: 11-5-2002
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| Quote: | Originally posted by jrbaja
Whether you are gringo, Mexican, or spaceman, it is the law to have insurance to get in an accident in Mexico.
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That's an interesting way to put it.
Now for the BIG questions:
What would your guess be as to the percentage of Mexican drivers who have insurance?
Do you think this would, in any way, influence the outcome of an accident investigation?
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mcgyver
Nomad
Posts: 444
Registered: 8-22-2003
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Dave , If this is a poll the answer is 0 and no.
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thebajarunner
Ultra Nomad
Posts: 3734
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Location: Arizona....."Free at last from crumbling Cali
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a better answer
Dave,
Last time I looked it was their country.
ergo, they make the rules...
Every time I cross the border, insurance and all, I remind myself that I am no longer on my turf, in my rulebook, in control.
That is the reality of any border.
Guess that is why crossing some borders is not for the faint of heart. (and Baja is an easy one compared to some I crossed last year.... like
Myanmar)
Baja Arriba!!
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synch
Nomad
Posts: 316
Registered: 9-14-2004
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Mood: wandering...
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Om the other hand, bribary can be a godsend.
Years ago I crossed at Sonoita (in Sonora), and violated the 15 Kmph, got pulled over, we negotiated and I paid. No Insurance company ever heard
about it and it never affected my insurance rates.
Isn't Mexico wonderful!
America sure has a racket between speeding tickets and insurance rates, so you could think about the USA insurance premiums as "corporation mordita"
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jrbaja
Ultra Nomad
Posts: 4863
Registered: 2-2-2003
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The best insurance in Mexico
is to drive something like I do, pay attention every second, and have at least liability insurance.
I have been run into 3 times coming back from Tijuana. (minor) . The people driving just took off and I already knew that there would be very little
if any damage to the van.
The last time, some guy was trying to make it past me while I was stopped at a signal and buckled his whole gooky little quarter panel.
This time, I chased him down just to get his license number in case he wanted to start some dung.
Not a scratch on el vanaroony
I would guess that only the well to do Mexicans have insurance. Funny thing is, they are the ones that don't really need it hahahahahahahahahaha
Kinda the same as the u.s, isn't it ?
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bajalou
Ultra Nomad
Posts: 4459
Registered: 3-11-2004
Location: South of the broder
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I carry drivers license insurance for Mexico. Liablility and legal coverage only. Liability is the only thing I cary in the states also. Drivers
license ins covers me for liability driving any car registered outside of Mexico - mine - yours - the next door neighbor. It's cheap. $58 per year
for the liability and another $25 for legal assistance. Havent had to use it in the last 10 years but I feel a little better driving around down here
having it.
No Bad Days
\"Never argue with an idiot. People watching may not be able to tell the difference\"
\"The trouble with doing nothing is - how do I know when I\'m done?\"
Nomad Baja Interactive map
And in the San Felipe area - check out Valle Chico area |
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JZ
Select Nomad
Posts: 12511
Registered: 10-3-2003
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Insurance and extra driver endorsements
My truck (value about $35K) was in an accident on the mainland while a MX national was driving and I was in the states. No damage to my truck, but
the other car was totaled (they were speeding and my friend clipped them changing lanes). The other car was worth about $12K.
I have two other people on the policy, but not this person. My adjuster showed up, said no coverage, and split. They impounded the truck, threatened
to call the fedarales to have it confiscated (MX national can't drive a US car on the mainland), and threatened to put my friend in jail unless we
paid. It cost me $4,500 (they sold the other car for parts for the rest). The adjuster for the other guy basically said if my adjuster wasn't a lazy
a$$ it would have cost me very little. Plus had to give the locals $150 to keep the fedarales at bay.
I was in one other fender bender (maybe $500 dollars damage). This time both of us had insurance. The adjust said in Mexico, where both people have
insurance, each pays for their own damage. There was no damage to my truck, so no money out of pocket (not even the deductable).
So my advice is have insurance, and have an endorsement for anyone who drives your car.
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jrbaja
Ultra Nomad
Posts: 4863
Registered: 2-2-2003
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From what I hear
it is illegal for a Mexican National to drive a foreign registered car, endorsement or not.
On the other hand, my crews have used my cars, been pulled over by the powers that be and let go because I gave them a note with my permission to be
in the car.
But again, my cars are not worth much.
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JZ
Select Nomad
Posts: 12511
Registered: 10-3-2003
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That's right at least on the Mainland
MX national cannot drive US plated cars. I did hear that there was a form with the local Policia that could be filled out that would make it legal to
drive around the local town.
The endorsement is for insurance.
[Edited on 9-28-2004 by JZ]
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Butch
Junior Nomad
Posts: 27
Registered: 9-7-2004
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Drivers license policy contact.
Bajalou, could you give contact info on where to get this type of policy ? I used to have one but company quit offering and rates were much higher ?
Thanks
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