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ncampion
Super Nomad
Posts: 1238
Registered: 4-15-2006
Location: Loreto
Member Is Offline
Mood: Retired and Loving it
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New Mexican Insurance requirements?
Traveling North out of Ciudad Insurgentes a few days ago with friends in separate trucks headed for a few days at San Juanico. We were both stopped a
couple miles out of town and asked for driver's license, vehicle regs. and insurance papers. We had everything and went through, but our friends
could not produce their insurance papers and were told that a new Mexican law requires gringos to have insurance. They of course, got the typical,
"You can go with us to Constitucion to pay the fine, or pay it to me right here". They got hit for 500 pesos!
Is there really a "new law" or has the Constitucion disease spread to Insurgentes??
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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Never heard of a "Gringo Only" law concerning insurance. Sounds like yet another scam.
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Udo
Elite Nomad
Posts: 6364
Registered: 4-26-2008
Location: Black Hills, SD/Ensenada/San Felipe
Member Is Offline
Mood: TEQUILA!
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Sounds like the mordida crew from Ciudad Constitucion moved to Ciudad Insurgentes
Udo
Youth is wasted on the young!
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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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Total scam.
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jak
Banned
Posts: 114
Registered: 3-10-2010
Member Is Offline
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US plates? If so the law does require you provide coverage while in Mexico and have the papers with you to prove it.
Mordida...yes....they were probably trolling US cars and if they caught one the hand goes out.
\"If you don\'t stand for something you will fall for anything.\" Soupy Sales
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k-rico
Super Nomad
Posts: 2079
Registered: 7-10-2008
Location: Playas de Tijuana
Member Is Offline
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Are Mexicans required to have insurance?
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Osprey
Ultra Nomad
Posts: 3694
Registered: 5-23-2004
Location: Baja Ca. Sur
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Time for more questions. It is my impression that since Mexican law presents itself as penal or not penal on the highway, the judges won't play around
much with contributory negligence -- somebody broke a law and the old rule of "he who hits, pays" is the usual rule of law: the guy who falls asleep
in the middle of the highway and stops on a curve at night is rearended by a guy who has been drinking. The drinker has broken a penal law, is 100
percent at fault and needs all the financial responsibility money he can lay his hands on. To me, that's a better reason to buy Mexican auto liability
insurance than any other argument I can think of. Napoleonic law guides the judge and you cannot always be in such a lawful posture to argue:
1. you broke no penal law
2. the other guy did
I don't bring this up to argue the above hypothetical argument but to see what you Baja travelers percieve to be your risks or salvations on Baja's
highways and byways.
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rhintransit
Super Nomad
Posts: 1588
Registered: 9-4-2006
Location: Loreto
Member Is Offline
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I don't know about the law but the correct answer to the stop was to say okay let's go to the police station and/or write me a ticket.
reality\'s never been of much use out here...
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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Hit 'n Run is one of the national pastimes in Mexico only because the middle class won'/can't buy insurance. Collision coverage here for nationals is
really expensive.
Having insurance in Mexico for foreigners is not mandated by law....only common sense.
I'm sure rental vehicles have rules of their own.
After reading what I wrote, I think I have it all backwards.
Anyway, take what works and leave the rest.
[Edited on 8-13-2010 by DENNIS]
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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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For U.S./Canadian or other foreign plated vehicles the insurance is not mandatory to legally drive in Mexico. However, in the event you are at fault
in an accident, you will either need to have a Mexican insurance policy to cover the damages to the other party(s), or enough cash on hand to pay for
the damages. Así es.
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toneart
Ultra Nomad
Posts: 4901
Registered: 7-23-2006
Member Is Offline
Mood: Skeptical
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| Quote: | Originally posted by BajaGeoff
For U.S./Canadian or other foreign plated vehicles the insurance is not mandatory to legally drive in Mexico. However, in the event you are at fault
in an accident, you will either need to have a Mexican insurance policy to cover the damages to the other party(s), or enough cash on hand to pay for
the damages. Así es. |
This has always been my understanding.
In addition, I have heard that it is a felony just to be involved in an accident. An insurance policy with their legal representatives can get you
through it. Without insurance you are at the mercy of the police and the courts. It doesn't bode well for the uninsured Gringo.
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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 remember a number of 95% of Mex Nationals
drive without Ins. Don't know correct that is.
That 5 % is probably the wealthy in Mexico
City. I'll go with Baja Geoffs answer
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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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| Quote: | Originally posted by sancho
I remember a number of 95% of Mex Nationals
drive without Ins. |
Adding to that.....most Mexican auto insurance for tourists is "no-fault" insurance, meaning that if an uninsured motorist hits you, the policy will
still cover your loss.
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Osprey
Ultra Nomad
Posts: 3694
Registered: 5-23-2004
Location: Baja Ca. Sur
Member Is Offline
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Geoff, isn't that the discription of Collision Coverage? The car is covered for damage by collision, period. What's with the no-fault?
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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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Semantics?
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Osprey
Ultra Nomad
Posts: 3694
Registered: 5-23-2004
Location: Baja Ca. Sur
Member Is Offline
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Advertising?
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MsTerieus
Nomad
Posts: 462
Registered: 6-8-2010
Location: Punta Banda, Ensenada, Baja California
Member Is Offline
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| Quote: | Originally posted by toneart
In addition, I have heard that it is a felony just to be involved in an accident. |
I find that impossible to believe.
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David K
Honored Nomad
Posts: 65410
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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If someone is injured or killed.
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SDRonni
Nomad
Posts: 481
Registered: 8-28-2006
Location: Serra Mesa/Rosarito
Member Is Offline
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Be smart. Buy the insurance......
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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| Quote: | Originally posted by sancho
That 5 % is probably the wealthy in Mexico
City. |
Maybe so. One thing to consider is the Nationals can't buy Drivers License insurance or cheap liability like we can with a foreign plated car. If
they could buy coverage for 150 bucks per year, more would do so, I'm sure.
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