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Tano
Nomad
Posts: 106
Registered: 10-20-2009
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Anybody got car insurance for Mexico through AAA?
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durrelllrobert
Elite Nomad
Posts: 7393
Registered: 11-22-2007
Location: Punta Banda BC
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Mood: thriving in Baja
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| Quote: | Originally posted by DENNIS
Anybody have a link to the insurance site?
Never mind. I found it. [Edited on 10-23-2009 by DENNIS] |
where did you find it? the only auto insurance I find is for US
Bob Durrell
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Bajahowodd
Elite Nomad
Posts: 9274
Registered: 12-15-2008
Location: Disneyland Adjacent and anywhere in Baja
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It Takes Three
| Quote: | Originally posted by taxcutter
Just some North Road Auto Insurance Thoughts...
The State of California, thru it's Insurance Department, has low cost, short and long term policies.
But of course, one must jump thru the hoops.
Translation, one must be in good terms with the DMV.
In Baja, of course one must have Auto insurance. But it comes down to the Claims Adjuster.
The Claims Adjuster gets you out of the jam in Baja.
So, no matter how much money you spend on your Insurance policy, does your Insurance Agent, your policy, have the means and power, to get you
representation. The Claims Adjuster.
And of course, when one is in the middle of somewhere....
In a way, most Claim Aduster's live in major towns. And this can translate into major delays if one is in the middle of somewhere. But from my
experience, every Insurance Adjuster has a heart of gold. Once they find you.
But then again, I am bias. As a kid, my dad took me to Baja, and he went to one Baja Insurance guy. And back in Dad's day, Baja Insurance was not
cheap and was a hassle.
And of course, I go to the same place for my Baja Auto Insurance. But now, I go to the son! The son took over the biz. And thankfully, prices are
now more reasonable. And they are On-line.
But more importantly, I feel blessed with the knowledge that a Insurance Claims Adjuster will come and get me.
I go with Lewis and Lewis.
Nevertheless, it's about the Insurance Adjuster. And how fast can this Adjuster person get to you and your claim.
Safe travels.... |
It's kinda like the trinity. Whether you go online or to an office, you are purchasing insurance through a broker, who receives commission on the
premium you pay. I'm guessing that with the somewhat limited number of insurance carriers doing business in Mexico, Most brokers will likely offer
coverage with the same insurance companies. If you have an accident, that's when the adjuster gets involved. With the exception of major cities, it is
more than likely that the same adjuster will represent more than one company.
As was mentioned earlier, since one calls their broker if they have an accident, it is money in the bank if you can get easy access to them. The only
part of the process I am not familiar with, is whether the broker has the authority from the insurance company to assign the adjuster, or whether that
authority is reserved by the insurance company.
Perhaps BajaGeoff can enlighten me.
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daveB
Nomad
Posts: 244
Registered: 11-6-2003
Location: B.C. Canada
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Mood: wondering about Nomads!
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With Lewis and Lewis, the number to call when you are involved in an accident is a Tjauna number, not a Santa Monica number.
The claim reporting information has no recomendation to call Lewis and Lewis. You deal with the Mexican company, Qualitas, directly or through the
assigned adjuster.
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wessongroup
Platinum Nomad
Posts: 21152
Registered: 8-9-2009
Location: Mission Viejo
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Mood: Suicide Hot line ... please hold
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Stinking insurance
| Quote: | Originally posted by monoloco
We obtained insurance through Costco this year $177 vs. $377 through Discover Baja |
Thank you very much... "spend a nickel, spend a dime, spending money is a crime"
Old Navajo saying
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noproblemo2
Super Nomad
Posts: 1088
Registered: 4-14-2006
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So far we use Vagubundos, but as everyone else, always looking for less $$$$.
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BajaWarrior
Super Nomad
Posts: 2307
Registered: 9-27-2006
Location: Mission Bay, San Diego. Playa Hermosa, San Felipe.
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Mood: Anxious to get south
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Discover Baja for us. Have home owners insurance with them as well. I have used them for over 15 years now. Of course, I have never had to submit a
claim (knocking on wood right now). Full coverage for '06 Super Duty Crew Cab and triple axle flat bed trailer just above $300 annual.
I have read a few very positive post here on Nomads regarding claims with DB
[Edited on 10-25-2009 by BajaWarrior]
Haven't had a bad trip yet....
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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: | Originally posted by daveB
With Lewis and Lewis, the number to call when you are involved in an accident is a Tjauna number, not a Santa Monica number.
The claim reporting information has no recomendation to call Lewis and Lewis. You deal with the Mexican company, Qualitas, directly or through the
assigned adjuster. |
obviously. but in the EVENT i need to use my insurance, it's good to know that Geoff's people are answering the phone if i have any questions while
dealing with the cops/adjusters/ etc..... ad nauseum!
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
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| Quote: | Originally posted by durrelllrobert
where did you find it? the only auto insurance I find is for US
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https://www.bonitawest.com/Costco/frm_Home.asp
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
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| Quote: | Originally posted by BajaWarrior
I have read a few very positive post here on Nomads regarding claims with DB
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That's what this thread would benefit from, reports from people who have had to use their policy. That's what it's all about when you get past the
price.
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Bajahowodd
Elite Nomad
Posts: 9274
Registered: 12-15-2008
Location: Disneyland Adjacent and anywhere in Baja
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| Quote: | Originally posted by bajajazz
I am in the process of acquiring a VW Westfail'ya with Mexican plates that harmonize with my new Mexican drivers license, and need longterm insurance
for the Baja and short term insurance for the U.S. Can anyone point me in the best direction to get both policies handled? |
I note many comments by Nomads regarding BajaBound and Lewis & Lewis. while I have done business with BajaBound, I've also bought through
Adventure (mexadventure.com) Adventure has been doing this for 9 years. And they have more carriers to choose from. All three have easy to use
websites.
However, all three are California licensed surplus lines brokers who can only write insurance for vehicles bearing US or Canadian plates. It's a
wrinkle in the Mexican insurance law. I believe you will have to seek out a Mexico-based broker to buy insurance for your Mexican plated vehicle.
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
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| Quote: | Originally posted by Bajahowodd
I believe you will have to seek out a Mexico-based broker to buy insurance for your Mexican plated vehicle. |
That's correct and you may not like the price. For the locals, insurance is expensive. That's why manymanymany of them don't have it and "Hit 'n
Run" is so popular.
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Bajahowodd
Elite Nomad
Posts: 9274
Registered: 12-15-2008
Location: Disneyland Adjacent and anywhere in Baja
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I find that a mite curious, Dennis. The same Mexico-based insurers. The general idea is that underwriting experience determines the rates charged. So,
setting aside any thought that Mexican insurance companies gouge Mexicans because they can, are Mexicans, on the whole, poorer drivers than those from
Canada and the US?
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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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i drive 450 miles/week to/from work. am i a better driver than anyone else? i have had 1 claim in 30 years....
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Bajahowodd
Elite Nomad
Posts: 9274
Registered: 12-15-2008
Location: Disneyland Adjacent and anywhere in Baja
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Enviable experience. However, annual mileage driven has always been one of the factors considered by insurers when setting rates. The idea is simple,
the more miles you drive, the more likely you'll have an accident. That, of course takes into consideration that no matter how good a driver you are,
there's always the other guy who'll do something stupid.
[Edited on 10-25-2009 by Bajahowodd]
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
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| Quote: | Originally posted by Bajahowodd
I find that a mite curious, Dennis. The same Mexico-based insurers. The general idea is that underwriting experience determines the rates charged. So,
setting aside any thought that Mexican insurance companies gouge Mexicans because they can, are Mexicans, on the whole, poorer drivers than those from
Canada and the US? |
Full coverage as well as drivers license insurance are available to tourists and FM holders for a fraction of the cost to locals if a US address is
used and that address has to be kept in mind in the event of a traffic problem.
To insure my new Jeep if it had Mexico plates and I had a Baja License would probably be three times as much as what I pay.
I don't know where the Mexican drivers as a whole would fall on a scale of world wide drivers but, it's my guess they won't be near the top. I'm
allowed to surmise that since in my fifty years of driving, I've never been in a wreck.
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Bajahowodd
Elite Nomad
Posts: 9274
Registered: 12-15-2008
Location: Disneyland Adjacent and anywhere in Baja
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3X? I'm guessing that it may be more than bad drivers. I recall that before California required proof of insurance for registration purposes, there
were considerably more uninsured drivers around and about. The simple economics of the situation was that those who had insurance were subsidizing
those who did not. And I'm fairly certain that a similar mandatory insurance requirement in Mexico would not be very popular given the economics of
things.
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
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| Quote: | Originally posted by Bajahowodd
And I'm fairly certain that a similar mandatory insurance requirement in Mexico would not be very popular given the economics of things.
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Largely, it would only result in a pay raise for the police. There are still a lot of people on the roads who couldn't afford insurance but, can't
stop driving. It's like Los Angeles. The larger the city gets, the farther people have to travel to work and they can hardly afford gas.
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Dave
Elite Nomad
Posts: 6005
Registered: 11-5-2002
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| Quote: | Originally posted by DENNIS
That's correct and you may not like the price. For the locals, insurance is expensive. That's why manymanymany of them don't have it and "Hit 'n
Run" is so popular. |
I drive a Mexican plated car and have a Mexican driver's license. Been stopped several times and never been asked for insurance verification. Don't
think it's a requirement...
Unless you're involved in an accident. 
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
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| Quote: | Originally posted by Dave
Don't think it's a requirement...
Unless you're involved in an accident. |
Exactly.
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