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gnukid
Ultra Nomad
Posts: 4411
Registered: 7-2-2006
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driving in baja is fun
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CortezBlue
Super Nomad
Posts: 2213
Registered: 11-14-2006
Location: Fenix/San Phelipe
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Here is my take
1. I use a drivers Lic policy on an annual policy
2. In AZ our insurance automatically, by state law, give us insurance up to 75 miles into Mexico.
3. I think that Mex insurance is good for one thing. If you don't have it and get in an accident, you will be with held far to long before you can
get on the move again.
4. If I ever get my truck stolen, I will guarantee I will be at most 74 miles inside of Mexico.
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mrfatboy
Nomad
Posts: 478
Registered: 4-17-2008
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| Quote: | Originally posted by CortezBlue
Here is my take
1. I use a drivers Lic policy on an annual policy
2. In AZ our insurance automatically, by state law, give us insurance up to 75 miles into Mexico.
3. I think that Mex insurance is good for one thing. If you don't have it and get in an accident, you will be with held far to long before you can
get on the move again.
4. If I ever get my truck stolen, I will guarantee I will be at most 74 miles inside of Mexico. |
+1
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sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
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I've done the day in and a day out, I didn't purchase
both days at the same time, at least 1 of the Ins
Broker site will not knowingly sell them like that.
The 90 policy has always interested me, but I can't
get around the idea that it is an Honor system, it is
somehow your word that you aren't in Mex for
more than 90 days in a yr.,
to me honor/Mex Ins Co's and wondering if they
would ever deny a claim re: the amount of time you are
in Mex leaves too many unanswered ?'s for me,
but I'm a little hinky re: Mex Ins in general
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mrfatboy
Nomad
Posts: 478
Registered: 4-17-2008
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| Quote: | Originally posted by sancho
I've done the day in and a day out, I didn't purchase
both days at the same time, at least 1 of the Ins
Broker site will not knowingly sell them like that.
The 90 policy has always interested me, but I can't
get around the idea that it is an Honor system, it is
somehow your word that you aren't in Mex for
more than 90 days in a yr.,
to me honor/Mex Ins Co's and wondering if they
would ever deny a claim re: the amount of time you are
in Mex leaves too many unanswered ?'s for me,
but I'm a little hinky re: Mex Ins in general |
I'm confused by what you call this '90 day' honor system policy. However I'm currently poolside drinking my high octane margys so that could be a
factor  Please explain the honor system part. In the past my wife had a yearly
policy due to work in Ensenada and Mexicali. Now we just use bajabound for 4-5 day trips.
To me, mexico insurance is just a way to keep a layer of Mexican mordida and BS off of you. In the 80's I never bought insurance. I'm older and have
too much to loose now
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dizzyspots
Senior Nomad
Posts: 603
Registered: 9-22-2008
Location: Mescal AZ
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Mood: rather be on the beach at Gonzaga
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www.bajabound.com Geoff is a bajanomad.com sponsor....no vested interested otherwise...just a reminder that we should support those that support
us????
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vacaenbaja
Senior Nomad
Posts: 643
Registered: 4-4-2006
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Liability insurance in Mexico is something that you should never be
without. Guilty until proven innocent for all parties involved.
If someone were to dash out in front of you and they die as a result
you will be in jail for a very long time, unless you can post bond. This does happen. Remember the yellow signs you see on the US side of the boarder
where it shows people running across? Well running from La Migra is not the
only time that this happens. I have been on the Toll road and have seen more than once people coming out of the brush on the divider
and running across the road. Your insurance will post your bond
and have you out rather than in jail. You will have someone in your
corner that speaks the language and knows the business. They have a vested interest in negotiating a settlement. If you are going to gamble on
something gamble on not insuring the car for theft.
New cars in Baja are nice but they have their problems. No one can fix them quick beyond minor repairs and all the big time theves want them. I would
insure fully as I would not like to continue to make a payment on a vehicle that I no longer have poession of.
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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 mrfatboy
| Quote: | Originally posted by sancho
I've done the day in and a day out, I didn't purchase
both days at the same time, at least 1 of the Ins
Broker site will not knowingly sell them like that.
The 90 policy has always interested me, but I can't
get around the idea that it is an Honor system, it is
somehow your word that you aren't in Mex for
more than 90 days in a yr.,
to me honor/Mex Ins Co's and wondering if they
would ever deny a claim re: the amount of time you are
in Mex leaves too many unanswered ?'s for me,
but I'm a little hinky re: Mex Ins in general |
I'm confused by what you call this '90 day' honor system policy. However I'm currently poolside drinking my high octane margys so that could be a
factor Please explain the honor system part. In the past my wife had a yearly
policy due to work in Ensenada and Mexicali. Now we just use bajabound for 4-5 day trips.
To me, mexico insurance is just a way to keep a layer of Mexican mordida and BS off of you. In the 80's I never bought insurance. I'm older and have
too much to loose now |
discover baja sells a yearly policy that allows you to be in Mex 90 days in a year, however you add to 90 that's how long you are covered. have you
ever noticed about 75 yards north of the san ysidro crossing where the cement lane dividers are? well they snap pictures of EVERY VEHICLE entering
Mexico. when you leave they snap pictures of EVERY VEHICLE leaving Mexico. my money is on the Ins Co's having access to that data.
i'm insured for $10k for the 365/90 day policy. grand total $200 or so. works out to about $8/day for me in a normal year.....
[Edited on 7-8-2012 by woody with a view]
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willardguy
Elite Nomad
Posts: 6451
Registered: 9-19-2009
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| Quote: | Originally posted by woody with a view
| Quote: | Originally posted by mrfatboy
| Quote: | Originally posted by sancho
I've done the day in and a day out, I didn't purchase
both days at the same time, at least 1 of the Ins
Broker site will not knowingly sell them like that.
The 90 policy has always interested me, but I can't
get around the idea that it is an Honor system, it is
somehow your word that you aren't in Mex for
more than 90 days in a yr.,
to me honor/Mex Ins Co's and wondering if they
would ever deny a claim re: the amount of time you are
in Mex leaves too many unanswered ?'s for me,
but I'm a little hinky re: Mex Ins in general |
I'm confused by what you call this '90 day' honor system policy. However I'm currently poolside drinking my high octane margys so that could be a
factor Please explain the honor system part. In the past my wife had a yearly
policy due to work in Ensenada and Mexicali. Now we just use bajabound for 4-5 day trips.
To me, mexico insurance is just a way to keep a layer of Mexican mordida and BS off of you. In the 80's I never bought insurance. I'm older and have
too much to loose now |
discover baja sells a yearly policy that allows you to be in Mex 90 days in a year, however you add to 90 that's how long you are covered. have you
ever noticed about 75 yards north of the san ysidro crossing where the cement lane dividers are? well they snap pictures of EVERY VEHICLE entering
Mexico. when you leave they snap pictures of EVERY VEHICLE leaving Mexico. my money is on the Ins Co's having access to that data.
i'm insured for $10k for the 365/90 day policy. grand total $200 or so. works out to about $8/day for me in a normal year.....
[Edited on 7-8-2012 by woody with a view] |
woody, as usual im not getting it. are you insured for 365 days
or the 90 day policy? and wouldnt it be nice if an american company offered a similar deal?
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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 have a yearly policy that allows me to be in Mex for any 90 of the next 365 days. the daily rate 90/20-25 days = $8-10 for each of those days. it's
the best deal i could find.
does Bajabound offer the same?
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sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
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| Quote: | Originally posted by woody with a view
have you ever noticed about 75 yards north of the san ysidro crossing where the cement lane dividers are? well they snap pictures of EVERY VEHICLE
entering Mexico. when you leave they snap pictures of EVERY VEHICLE leaving Mexico. my money is on the Ins Co's having access to that data.
[Edited on 7-8-2012 by woody with a view] |
I've wondered the same thing, but I don't think it
get that far out that a Mex Ins Co, in the event of
a claim would have access to, or have the resources
to go thru months and months of crosssings into Mex
24/7 at maybe 6 crossings into Mex from the US, and that
is just Baja? Seems a bit envolved, not to say it is not
possible. The 90 day policy, at least the way I understand
it, is that one is allowed to be in Mex 90 days out of
365, and according to one of the San Diego brokers,
there is no reporting as to when you enter Mex and
when you exit, they used the term Honor system in their email to me, furthermore say you are holding an fmm
that you had validated some 5 mo's back and have
used for a few crossings,and by
a quirk some cop or Ins Adjuster at the scene of
an incident asks you
for an fmm, you pull out your fmm that says you entered
Mex 20 weeks ago? I know, I'm a bit cautious/paranoid
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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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whatever the hangup, it is still the best value..... i just wish i was able to spend more than 90 days/year.....
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nbacc
Senior Nomad
Posts: 770
Registered: 12-27-2008
Location: Northern California
Member Is Offline
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don't go without it! Question to Nomads out there. I know you are supposed to report your accident BEFORE you leave Mexico. They make a big deal of
this on your paperwork. We saw a pretty good hoodbanger while in line.....maybe about 15 cars away from the booth returning to the USA. What
happens then? do you just eat it? whooooo the car was a nice suburban. Someone tried to switch lanes where there was no opening (we have all seen it)
Ha, that is one reason why we drive our old( 80 something) Toyota truck when we go. Nancy
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woody with a view
PITA Nomad
Posts: 15940
Registered: 11-8-2004
Location: Looking at the Coronado Islands
Member Is Offline
Mood: Everchangin'
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if it's me i park it there.....
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willardguy
Elite Nomad
Posts: 6451
Registered: 9-19-2009
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| Quote: | Originally posted by Udo
Why chance it?
It's about $80.00 US for the whole year! |
we're still waiting to hear udo's source!
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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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Discover Baja.
| Quote: | Originally posted by willardguy
| Quote: | Originally posted by Udo
Why chance it?
It's about $80.00 US for the whole year! |
we're still waiting to hear udo's source! |
Udo
Youth is wasted on the young!
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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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Okay Udo, what kind of insurance is that...? The guy has a new truck, so he must have full coverage, not just liability... I have had annual policies
with Discover Baja, as well as Baja Bound (they use the same highly rated Mexican company)... always been between ~$200-$330 US a year.
Please tell us if there is a better deal for our new trucks!:
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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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I only buy the liability portion and only for the northwest part of Mexico.
Reading from the policy I have in my hand now:
For 90 days entry within 365 days policy:
For Auto, Pickup, or SUV
$50,000CSL: $83.10
$70,000CSL: $109.98
Theft and collision are separate from above prices.
You are correct about the new truck, David, Comp & Collision will raise the price
some.
BTW, David, I saw a store in Todos Santos called...GOT BAJA? It's sort of a book store and other Baja related lore. Bought a hat and a T-shirt.
Udo
Youth is wasted on the young!
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Ateo
Elite Nomad
Posts: 5938
Registered: 7-18-2011
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Let's say you have a new truck worth $30,000 and decide to go without insurance. Then you stop for gas at a Pemex. You run to the bathroom to take a
wizz and come out to find your truck gone. You now owe $30,000 on a loan but have no vehicle. That doesn't sound fun. I pay $350/year for annual
coverage thru bajabound.
[Edited on 7-9-2012 by ateo]
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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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| Quote: | Originally posted by Udo
I only buy the liability portion and only for the northwest part of Mexico.
Reading from the policy I have in my hand now:
For 90 days entry within 365 days policy:
For Auto, Pickup, or SUV
$50,000CSL: $83.10
$70,000CSL: $109.98
Theft and collision are separate from above prices.
You are correct about the new truck, David, Comp & Collision will raise the price
some.
BTW, David, I saw a store in Todos Santos called...GOT BAJA? It's sort of a book store and other Baja related lore. Bought a hat and a T-shirt.
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Do they have any of my bumper stickers, I am all out!?  
Thanks Udo, we will look for the place when we go to Todos Santos in the next 2 weeks.
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