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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
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One more thing....since you already know all about it, why do you ask?
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CaboRon
Ultra Nomad
Posts: 3401
Registered: 3-24-2007
Location: The Valley of the Moon
Member Is Offline
Mood: Peacefull
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| Quote: | Originally posted by bajajazz
Thanks, David. I tried Geico but they won't write temporary insurance. |
Get the Geico policy and just stop it after your month is up. They will even refund the unused portion of the policy.
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Bajatripper
Ultra Nomad
Posts: 3152
Registered: 3-20-2010
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MsTerieus
Call Elena Bretts at the numbers that Dennis provided and see what she can do for you.
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
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| Quote: | Originally posted by Bajatripper
MsTerieus
Call Elena Bretts at the numbers that Dennis provided and see what she can do for you. |
MsT might fear disbarment for speaking with a Canadian in Mexico about US insurance. There must be a judge out there somewhere who would find that
terribly egregious. 
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MsTerieus
Nomad
Posts: 462
Registered: 6-8-2010
Location: Punta Banda, Ensenada, Baja California
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| Quote: | Originally posted by DENNIS
Where are the false statements? Where is the violation of the "letter of the law?" ... Where are the false statements? There are none. ...
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First of all, here is a sample of the policy language I mentioned:
"RISK NOT COVERED UNDER THIS POLICY.
"THIS CONTRACT SHALL NOT COVER ANY RISK MENTIONED AT SECTIONS 1 THROUGH 6 OF THESE GENERAL CONDITIONS, WHEN THE INSURED IS IN ANY OF THE FOLLOWING
CASES:
"a. Is a resident or has a domicile within the Border Area.
"b. Stays in the Mexican Republic for 183 days or more in a calendar year.
"c. Maintains within the Mexican Republic one or more houses or domiciles in which he kept or garaged his vehicle."
Second, possibly, the application for insurance asks for information about, e.g., where I reside, how much time I spend there and/or whether I am
"traveling" there or am a "tourist." Many application forms also make the applicant affirm the following (or words to this effect):
"I have read the above application and any attachments. I declare that the information I provided is true, complete and correct to the best of my
knowledge & belief. This information is being offered to the company as an inducement to issue the policy for which I am applying and no coverage
is offered at this time."
Third, and most risky, IMO: All of this would come up only if I made a substantial claim that the insurer did not want to pay, and it could lead to
litigation. It would be in the litigation that I might well have to either (a) admit defeat or (b) make a false statement (e.g., in interrogatory
answers or a deposition) to support my position.
Now all of this might seem overcautious to you or others, and maybe it is. If so,
well E X C U U U S S S E M E E E! 
Still, that's no reason for you to (yet again) get personal and nasty, Mr. Hyde. If you're feeling depressed, why not get off the PC and scream at
the walls or the TV or something, rather than posters?!
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MsTerieus
Nomad
Posts: 462
Registered: 6-8-2010
Location: Punta Banda, Ensenada, Baja California
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| Quote: | Originally posted by DENNIS
One more thing....since you already know all about it, why do you ask? |
What I don't know is how to get decent coverage for occasional short trips to the U.S. that I don't have to worry won't be there when I need it.
Fine, I'll talk to Ms. Brett ...
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
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| Quote: | Originally posted by MsTerieus
Still, that's no reason for you to (yet again) get personal and nasty, Mr. Hyde. If you're feeling depressed, why not get off the PC and scream at
the walls or the TV or something, rather than posters?!
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Oh...I don't know. I guess I was just being..uh...what was your word? Oh, yeah...cavalier. I guess, again, that's SF attornese for SASSY.
I'm gonna bite my tongue now so you can put your whip [a definite SF toy] away.
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MsTerieus
Nomad
Posts: 462
Registered: 6-8-2010
Location: Punta Banda, Ensenada, Baja California
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I apologize for offending you with the word "cavalier." I actually had some others' comments on my mind when I chose that word.
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
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| Quote: | Originally posted by MsTerieus
I apologize for offending you with the word "cavalier." I actually had some others' comments on my mind when I chose that word.
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What??? One minute you bestow upon me high praise and the next minute, you tear off my epaulets.
I was hoping to be just like my hero:
http://mapiles.com/home/wp-content/uploads/2009/07/Lebron-Ja...
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MsTerieus
Nomad
Posts: 462
Registered: 6-8-2010
Location: Punta Banda, Ensenada, Baja California
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| Quote: | Originally posted by DENNIS
| Quote: | Originally posted by MsTerieus
I apologize for offending you with the word "cavalier." I actually had some others' comments on my mind when I chose that word.
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What??? One minute you bestow upon me high praise and the next minute, you tear off my epaulets.
I was hoping to be just like my hero: |
I actually went to "Grover Cleveland High School," and the football team was called the "Cleveland Cavaliers." 
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MrBillM
Platinum Nomad
Posts: 21656
Registered: 8-20-2003
Location: Out and About
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Mood: It's a Zip-a-Dee-Doo-Dah Day
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A Licensed Attorney ?
SO, you know the answer to "What do you call 50 Dead Lawyers at the bottom of the Ocean" .
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MsTerieus
Nomad
Posts: 462
Registered: 6-8-2010
Location: Punta Banda, Ensenada, Baja California
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| Quote: | Originally posted by MrBillM
SO, you know the answer to "What do you call 50 Dead Lawyers at the bottom of the Ocean" . |
That joke is even older than YOU are. (A good start.) 
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MrBillM
Platinum Nomad
Posts: 21656
Registered: 8-20-2003
Location: Out and About
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Mood: It's a Zip-a-Dee-Doo-Dah Day
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Yeah, I know.
The reason that Lawyer jokes are SO old is that they've been a problem for so long.
As they say, the only thing wrong with the Legal Profession is Lawyers.
Nothing personal, of course. It's just that the 99 percent of bad ones give the good ones a bad name.
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MsTerieus
Nomad
Posts: 462
Registered: 6-8-2010
Location: Punta Banda, Ensenada, Baja California
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| Quote: | | Nothing personal, of course. It's just that the 99 percent of bad ones give the good ones a bad name. |
It's big of you to say so, Mr. Bill. 
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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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The way I see it:
1. my MX insurance only covers me in MX and not in US
2. my US auto insurance only covers me in the US and not in MX
3. when I'm in the US my car is garaged at the location specified
4. since I'm only in the US about once a month for a day or 2 my US insurance allows me to claim that I drive less than 2000 miles/ year while I'm up
there and gives me a huge discount on my annual premium since that is the only time they are at risk.
There are no false statements made anywhere in this policy and living in MX is no different than living in Canada except that my US policy would cover
me there (as a tourist)
[Edited on 10-30-2010 by durrelllrobert]
Bob Durrell
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MsTerieus
Nomad
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Location: Punta Banda, Ensenada, Baja California
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Thanks, Bob. Sounds like a good plan, as long as you can continue to garage your car (or at least use the address) at your same address. I can't do
that, as I plan to rent out my US house, and I can't have my mail going there while it's rented. : {
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
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| Quote: | Originally posted by MsTerieus
Thanks, Bob. Sounds like a good plan, as long as you can continue to garage your car (or at least use the address) at your same address. I can't do
that, as I plan to rent out my US house, and I can't have my mail going there while it's rented. : { |
Why can't you receive your mail there? You pay taxes on the property, doncha?
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MsTerieus
Nomad
Posts: 462
Registered: 6-8-2010
Location: Punta Banda, Ensenada, Baja California
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I suppose I could ASK my tenants to please forward forward my mail to me (and not to return it to the post office, as they legally would be entitled
to do). However, I don't want to rely on or impose on tenants to do this. (Furthermore, if there were ever any question about residency, I could
hardly expect the tenants to lie to my insurer for me.)
| Quote: | Originally posted by DENNIS
| Quote: | Originally posted by MsTerieus
Thanks, Bob. Sounds like a good plan, as long as you can continue to garage your car (or at least use the address) at your same address. I can't do
that, as I plan to rent out my US house, and I can't have my mail going there while it's rented. : { |
Why can't you receive your mail there? You pay taxes on the property, doncha? |
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
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| Quote: | Originally posted by MsTerieus
I suppose I could ASK my tenants to please forward forward my mail to me (and not to return it to the post office, as they legally would be entitled
to do). However, I don't want to rely on or impose on tenants to do this. |
If your tenants wouldn't go that little bit out of their way to hold your mail for you, what good are they.
One thing to remember...an alternative to home delivery would be Postal Annex. I mention them because I use them.
Anyway....you could forward all of your mail to your new address with them, but they won't forward it back to you when you return and you would be
left to make all of your changes of address yourself. They're very one-way about that.
Don't under any circumstances arrainge mail delivery in Mexico....forwarded or otherwise. Arrainge for a friend to get your mail from your house
occasionally while you work out a way to get it brought down here.
There's always a way.
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