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oladulce
Super Nomad
Posts: 1625
Registered: 5-30-2005
Location: bcs
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Pacside, if Lewis and Lewis didn't ask for your US auto insurance policy when you got your Mexican insurance then they must not require you to have US
insurance simultaneously.
My HDI policy from DB and BajaBound specifically requires that we maintain FUll US coverage if we want to have FULL Mexican auto insurance coverage.
It says so in bold letters. This Mexican policy requires you to fill in your US auto insurance policy information or you can't complete the
application.
Your Lewis and Lewis is a different insurance company than mine and your coverage is different.
Since the DMV gives you registration stickers and you have Mexican insurance, you've covered all your bases
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MitchMan
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Registered: 3-9-2009
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Ooooo. This is good info here. Apparently there is a conflict between whether the "resident" terminology and requirement for a Mexican Resident
policy relates to the country of registration of the vehicle or the immigration status of the individual vehicle owner.
I am literal kind of guy and in the USA, most all legality relies on literal translation of the written law. However, Mexico can be very 'unliteral",
inconsistent, illogical, ambiguous, and often hinges on the person in authority at any given point in time and from specific situation to specific
situation. This situation is rampant, ubiquitous and pervasive. Not really representative of a country supposedly based on law, also undermines
democracy itself, but that's another topic.
Anyway. If the policy literally states "Mexican Resident" policy, that "literally" refers to immigration status of the owner/individual policy
holder, not the vehicle. That would tend to negate Longlegsinlapaz's contention, but, I believe what he said about what the 3 insurance companies
told him. On the other hand, oladulce is implying that the term resident in "Resident Policy" refers to the duration of the vehicle in baja being
more than 90 days based on what he was told. Both representations by Longlegsinlapaz and oladulce are from "verbals" from insurance broker sales
staff.
Unfortunately, most of the time in baja, all anyone has to go on are "verbals". And, in my professional experience, insurance sales people have
rarely if ever read any policy in its entirety that they sell, nor are they particularly detail oriented enough nor knowledgeable enough in legalese
to have formed precise accurate understandings of the twists and turns of the finer points of the content of ins policies. Doesn't mean that they
can't be correct on some of the things that they verbally represent.
Before today, I was certain of my understanding of this matter. Now, I am not so sure. I am glad longlegsinlapaz and oladulce chimed in on this. At
any rate, in my mind, this issue is not settled.
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MitchMan
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Posts: 1856
Registered: 3-9-2009
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pacside,
AAA is not the final authority, the DMV is. Just because you were able to get your registration from AAA, you may not actually have valid
registration. The DMV requires special electronic verification directly and only from the insurance company. If the policy you got from Lewis and
Lewis doesn't ultimately come from a company that sends the DMV the above-mentioned electronic verification, the DMV is supposed to or may invalidate
your registration. If you get in an accident, and the adjuster verifies the validity of your California registration and finds that you do not in
fact have valid CA registration (even though you have current tags on your vehicle and a current CA registration document in your hands), that
insurance company can decline to cover you.
I used to get my registration done at AAA all the time. When I found out about the electronic verification thing, I personally realized that having
current tags and a current registration document could mean nothing as far as reliance as to whether or not I would actually be covered in an
accident. Some people wll be happy if the documents in their hands "show" proof of valid ins coverage. I want "coverage in fact" and I require ins
and registration that is the best guarantee of "coverage in fact". But, that's just me.
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MitchMan
Super Nomad
Posts: 1856
Registered: 3-9-2009
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Side point. I don't think that it matters to your Mex policy whether or not you have USA coverage in addition to Mexican coverage, I think that they
care/require only that you have valid and current USA state registration.
If I am wrong on this, please tell me so and state/site your documentary reference.
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oladulce
Super Nomad
Posts: 1625
Registered: 5-30-2005
Location: bcs
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From BajaBound's online application: (The policy itself refers to the 90 days/year rule although this defintion doesn't mention it)
Policy Use
Select the appropriate purpose of the trip to Mexico:
Tourist
* Select "Tourist" if the vehicle use is for pleasure or vacation activities.
* YOU MUST MAINTAIN U.S./CANADIAN COVERAGE WHILE IN MEXICO TO BE ELIGIBLE FOR TOURIST USE, OTHERWISE SELECT RESIDENT.
* Important: If you have a liability-only policy in the U.S./Canada, you must purchase a liability-only policy for Mexico unless you choose
"Resident" even if you are not a resident.
Resident
* Select "Resident" if you reside in Mexico for more than 6 months during the year.
* If your vehicle remains in Mexico throughout the year select "Resident" even if you do not reside in Mexico the entire year.
* If you have a U.S./Canadian liability-only policy and would like full coverage into Mexico, select "Resident" even if you are not a resident of
Mexico.
* IF YOU PLAN TO DISCONTINUE YOUR U.S./CANADIAN COVERAGE WHILE YOU ARE IN MEXICO, YOU MUST SELECT "RESIDENT."
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MitchMan
Super Nomad
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Very cool. Thanks, oladulce.
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
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Mood: must be 5 O'clock somewhere in Baja
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| Quote: | Originally posted by MitchMan
I am literal kind of guy and in the USA, most all legality relies on literal translation of the written law. However, Mexico can be very 'unliteral",
inconsistent, illogical, ambiguous, and often hinges on the person in authority at any given point in time and from specific situation to specific
situation. This situation is rampant, ubiquitous and pervasive. |
Mitch.........seriously.......I like this.......can I quote you when anyone asks what are the requirements in Mexico for (fill in the blank)....??????
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bajamigo
Super Nomad
Posts: 1218
Registered: 6-17-2006
Location: Punta Banda, BC
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Mood: hubimos llegado
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You could try, but I think the words are too big for you.
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
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Mood: must be 5 O'clock somewhere in Baja
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| Quote: | Originally posted by bajamigo
You could try, but I think the words are too big for you.
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I don't have to know what they mean, it just looks cool
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MitchMan
Super Nomad
Posts: 1856
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Bajaguy, sure.
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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
I know I'll feel stupid when I see it, but what is it if it isn't SD? |
Dakota Sur = DS; Baja Sur = BS 
Bob Durrell
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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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Since Clay County is the only place in SD that you can get non-resident status plates, I find it amazing that the total population (2006 census) is
only 12,870 and that the total number of registered vehicles is well over 150,000 and I'll bet that at least 25,000 are located in MX.
Maybe someday this baloon will break as some of you have suggested.
Bob Durrell
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
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Mood: must be 5 O'clock somewhere in Baja
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What's wrong with having 19.3 cars each?????
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oladulce
Super Nomad
Posts: 1625
Registered: 5-30-2005
Location: bcs
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| Quote: | Originally posted by durrelllrobert
Since Clay County is the only place in SD that you can get non-resident status plates, I find it amazing that the total population (2006 census) is
only 12,870 and that the total number of registered vehicles is well over 150,000 and I'll bet that at least 25,000 are located in MX.
Maybe someday this baloon will break as some of you have suggested. |
The link I put up on my earlier post is for the State of South Dakota DMV website. http://www.state.sd.us/drr2/motorvehicle/nonresident.htm
The car registration rules are the same in ALL counties in the state which says that you don't have to live in South Dakota to register your vehicle
there, but you DO have to give them your true domicile address. The feds Patriot Act enforcement caused the state to re-evaluate their own law about
Non-residents car registrations and South Dakota decided that they are fine with Non-residents having SD plates. But they are cracking down on
out-of-staters giving fake SD addresses to comply with Federal rules. No indication that there's a bubble to burst cuz they are very aware that folks
living elsewhere are getting SD plates and it's not against their policy.
What may be confusing is that not all SD counties offer phone consultations and car registration estimates over the phone like Clay County does. Our
county of domicile- Minnehaha - doesn't do phone consults for your initial car reg so you have to go in person or have a service go down to the office
for you.
Once you establish the registrations, annual renewals can be done online or by calling main DMV office in Pierre with the info they send you on the
renewal postcard.
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
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| Quote: | Originally posted by oladulce
The car registration rules are the same in ALL counties in the state which says that you don't have to live in South Dakota to register your vehicle
there, but you DO have to give them your true domicile address. |
I've been giving them my Postal Annex address for a few years now. It starts with PMB - - -. I'm sure they would know that's Postal Mail Box.
I won't mention it to them.
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
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| Quote: | Originally posted by oladulce
Hey, you're not giving a fake SD address to get your plates so you've met their requirements. |
Yeah....The last thing I would do with this issue is give a false statement to anybody. That's not a can of worms I'm interested in opening.
Hey...Where did you go??
.
[Edited on 12-11-2010 by DENNIS]
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oladulce
Super Nomad
Posts: 1625
Registered: 5-30-2005
Location: bcs
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I'm an ding-dong and I deleted the post instead of editing the message.
Heck Dennis, our South Dakota driver's licenses lists our address as a PMB!
Our SD mailing address is the office of our mail forwarding service, plus the suite and box #, for example:
502 W 9th St, STE 505-204, Sioux Falls.
We use this type of address for everything and put it on our DL applications but discovered the suite and box# had been changed to a PMB when we got
the licenses. I asked about it and they said the mail forwarding service addresses are flagged in their computers and automatically convert to a PMB-
a Patriot Act requirement by the Federal gov.
I asked the DMV lady if a PMB was going to a problem as far as an "official address" and she said, "honey, there are hundreds maybe thousands of
fulltime RV'ers with a South Dakota 'domicile' address such as this ( for voter registration, taxes etc) and it's no problem at all".
Hey, you didn't give them a fake SD address to register your car and that's all they care about.
[Edited on 12-11-2010 by oladulce]
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vandenberg
Elite Nomad
Posts: 5118
Registered: 6-21-2005
Location: Nopolo
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Mood: mellow
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Little warning.
Like mentioned before, my tags didn't make it to our Loreto postbox. A request for a replacement set didn't fare any better. A third request, to send
them to a friend in Texas, who was ready to come down, was ignored.(done by e-mail)
Now we were told that the time of replacement has expired and a $10.00 penalty applied, plus, that they only send to the address listed on the
registration. Also, a new signed form is required. Can be done by e-mail and scanner, but still a royal pain. In the mean time we're driving without
current tags, while our fees have been paid. All we need, getting stopped down south, where they have been clamping down on non registered
vehicles.
We've had major problems with our mail here.
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oladulce
Super Nomad
Posts: 1625
Registered: 5-30-2005
Location: bcs
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| Quote: | Originally posted by vandenberg
Little warning.
Like mentioned before, my tags didn't make it to our Loreto postbox. ... |
Vandenberg, meet me over in u2u. If you can get your stickers to us in CA quick-like we'll bring them down to you.
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