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Ken Cooke
Elite Nomad
Posts: 8970
Registered: 2-9-2004
Location: Riverside, CA
Member Is Offline
Mood: Pole Line Road postponed due to injury
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What American auto insurance compliments Mexican auto policies best?
I am in the process of evaluating my American auto policy - looking for one which can be utilized in the border region with Mexico. What are some
U.S. companies policies which offer this to U.S.-registered vehicles?
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sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
Member Is Offline
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If you mean US Ins Co's that extend the comp/collision
so. of the border, that is a ? I've had for a long time,
there is some VAGUE terms and conditions I've found
in US Co's claims to cover you x amount of miles into
Mex. I don't have Allstate, but as I remember they MIGHT
claim 75 mi. sob. not positive. So one could carry only
libility, if that is what you are asking. I have read of a
US Co that claims to cover you in Mex, 'if travel to Mex
is not frequent', that language spooks me. I
have a distrust of Ins Co' in general, so ambiguity scares
me. On a side note. I walked across to TJ last week, at the
Mex Ins/peso exchange we park at the border I noticed their Ins policy coverage posted, their policies now reflect
the new Mex Govt Ins regs, their CSL libility limit on
their policies is now $500,000, instead of the $50,000-
$300,000 in the past, from now on, I'm going with the
$500,000, maybe overkill, who knows
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chuckie
Elite Nomad
Posts: 6082
Registered: 2-20-2012
Location: Kansas Prairies
Member Is Offline
Mood: Weary
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Call em and ask em?
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Barry A.
Select Nomad
Posts: 10007
Registered: 11-30-2003
Location: Redding, Northern CA
Member Is Offline
Mood: optimistic
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Several offer the "coverage" but I believe the real problem is that the Mexican Govt. does not recognize them------they only recognize as valid
Mexican Companies Insurance policies.
I could be wrong, but that is always the way we interpreted it.
Barry
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sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
Member Is Offline
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| Quote: | Originally posted by Barry A.
Several offer the "coverage" but I believe the real problem is that the Mexican Govt. does not recognize them------they only recognize as valid
Mexican Companies Insurance policies.
Barry |
I was referring to US Ins Co's that EXTEND their collision/
physical damage part of their US Policy a certain # of miles
into Mex, I was not saying they extend their LIBILITY portion
into Mex, we all know the LIBILITY has to be thru a Mex Ins Co. This in no way conflicts with Mex Ins Regs, it has nothing
to due with the Mex Govt, it is between the US Policy holder and the US Ins Co, of course you have to get the vehicle
back to the US
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CortezBlue
Super Nomad
Posts: 2213
Registered: 11-14-2006
Location: Fenix/San Phelipe
Member Is Offline
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I use to have liberty mutual and my policy was good 75 miles south of the boarder. Now that being said, the Mexicans did not recognize the insurance,
but I could at least file a claim for money from the USA
Ps I'm now with the lizard and it is substantially cheaper than liberty mutual.
[Edited on 5-20-2013 by CortezBlue]
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Phil S
Super Nomad
Posts: 1205
Registered: 10-28-2003
Member Is Offline
Mood: After 34 years. Still in love w/ my wife
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In all the years Wendy & I had travelled into Baja (guess ing 25+ by now) we've NEVER tried to figure out comparisons. Your asking for trouble.
There is NO way I want to get into an accident & rely on something I heard. Get it in writing, and let that be your answer. that is if you find
an agent that will "put it in writing" from the states. For years I used Lewis Lewis, and about five years ago, switched to vagabundo del mar's
company. No accidents. So can't say how the service is. But can certainly tell you from a travel club, it doesn't get any better being a member of
them, and enjoy all the benefits they offer. Though we have been members of Vagabundos for over 20 years now. Just didn't use the insurance part.
Wouldn't buy anything else now. And that's with owning an insurance agency for seven years in Oregon.
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daveB
Nomad
Posts: 244
Registered: 11-6-2003
Location: B.C. Canada
Member Is Offline
Mood: wondering about Nomads!
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I have heard that Progressive will extend their comprehensive protection into Mexico, for a modest amount to cover the rider. There has been another
U.S, company, cannot recall the name. Yes, certainly, liability insurance in Mexico is the sole domain of the Mexican companies doing business there.
It has often been said that one does not need insurance to operate a vehicle in Mexico, but once some sort of incident happens that could mean an
exchange of money you'd better have insurance. Things will not go smoothly without.
From British Columbia, we have nothing available that will cover us there. However, what we buy and use there, thus not utilizng what we have for
Canada and USA, we can get refunds for that time on our return, using proper receipts, etc., of course.
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Barry A.
Select Nomad
Posts: 10007
Registered: 11-30-2003
Location: Redding, Northern CA
Member Is Offline
Mood: optimistic
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| Quote: | Originally posted by sancho
| Quote: | Originally posted by Barry A.
Several offer the "coverage" but I believe the real problem is that the Mexican Govt. does not recognize them------they only recognize as valid
Mexican Companies Insurance policies.
Barry |
I was referring to US Ins Co's that EXTEND their collision/
physical damage part of their US Policy a certain # of miles
into Mex, I was not saying they extend their LIBILITY portion
into Mex, we all know the LIBILITY has to be thru a Mex Ins Co. This in no way conflicts with Mex Ins Regs, it has nothing
to due with the Mex Govt, it is between the US Policy holder and the US Ins Co, of course you have to get the vehicle
back to the US |
Sancho-------you seem to know more about this than I do. Sorry if my answer was misleading. I thought it was a general inquiry.
My Ins. Company, State Farm, totally covers me for a short distance below the border, but the Mexican Govt. does not recognize that coverage, so I
always buy the minimum liability coverage from a Mexican Company, thus I have duplicate liability coverage. (I read the small print)
Barry
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Howard
Super Nomad
Posts: 2353
Registered: 11-13-2007
Location: Loreto/Manhattan Beach/Kona
Member Is Offline
Mood: I'd rather regret the things I've done than regret the things I haven't done.
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I completely agree with Phil S.
It's not that expensive to start with so why take any chances? I can just see trying to explain to the officer and/or courts that I really do have
insurance but it is with a US based company.
When I call the insurance company someone in India or Pakistan will answer and say. "hi this is Bob, how can I help you?"
No thank you, I'll cut corners on something else.
We don't stop playing because we grow old;
we grow old because we stop playing
George Bernard Shaw
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
Member Is Offline
Mood: must be 5 O'clock somewhere in Baja
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Many US based insurance companies will cover you for collision/physical damages.....NOT liability within certain mileage limits into
Baja/Mexico....however, as soon as you turn in a claim, your US carrier rates will go up and if you have repairs made in the US, it will be reported
to CarFax.
I prefer to purchase full coverage insurance from BajaBound.
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Phil S
Super Nomad
Posts: 1205
Registered: 10-28-2003
Member Is Offline
Mood: After 34 years. Still in love w/ my wife
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Dave B. Since you mentioned progressive Insurance brought to mind something I had heard recently, and that was, George Soros owns Progressive
Insurance Co. You know anything about that???? (wonder how many Nomads are going to say, Who's George Soros?)
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daveB
Nomad
Posts: 244
Registered: 11-6-2003
Location: B.C. Canada
Member Is Offline
Mood: wondering about Nomads!
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Phil S, sorry I have very limited knowledge on the subject, which amounts to about what an RV'er who follows the RV. Net forums sometimes learns
We started with Vagabundo del Mar and have only dealt with Lewis and Lewis after that year; we've never needed to use them but they got our friends
full payment after their car was stolen on the Mainland.
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Bob and Susan
Elite Nomad
Posts: 8813
Registered: 8-20-2003
Location: Mulege BCS on the BAY
Member Is Offline
Mood: Full Time Residents
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remember all usa insurance companies that sell mexican insurance
are only brokers for mexican insurance companies...
the mexican insurance you buy from them
is only as good as the mexican company
so if you get "paid off" its NOT the american company that paid you
it's the mexican company you insured with
i really like baja bound...you can call them and speak to a "real" person
and they travel baja...so they understand
also their companies provide legal and bond assistance...
very important here...remember you are guilty till you prove differently
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windgrrl
Super Nomad
Posts: 1336
Registered: 9-2-2006
Member Is Offline
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Some research on companies that offer international insurance might also provide some illumination on the subject. It's not the least cost, but is
available for medical, too.
Happy Monday,
w
When the way comes to an end, then change. Having changed, you pass through.
~ I-Ching
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David K
Honored Nomad
Posts: 65411
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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| Quote: | Originally posted by Bob and Susan
remember all usa insurance companies that sell mexican insurance
are only brokers for mexican insurance companies...
the mexican insurance you buy from them
is only as good as the mexican company
so if you get "paid off" its NOT the american company that paid you
it's the mexican company you insured with
i really like baja bound...you can call them and speak to a "real" person
and they travel baja...so they understand
also their companies provide legal and bond assistance...
very important here...remember you are guilty till you prove differently |
THIS...
(Ken, what you should do to alleviate all concerns is get an Annual policy at BajaBound.com, or Discover Baja if you are a member as they both use the
same Mexican company).
An annual policy for northwestern Mexico will cover your Jeep anytime you take a trip across the border, without calling, emailing or stopping to buy.
It is cheaper than if you bought separate policies for as many trips you seem to take, and is hassle free. I think I figured my Tacoma covered for a
calendar year (and not over 90 days in Mexico total) was the same price as 21 days of daily coverage...
Of interest, my U.S. policy (State Farm) does cover damage to my truck that occurs up to 50 miles from the border. You still need liability from a
Mexican company.
With their support of Baja Nomad and publishing my Baja Travel Adventures articles, I naturally recommend using BajaGeoff and the rest of the crew at
BajaBound.com 
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sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
Member Is Offline
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| Quote: | Originally posted by daveB
I have heard that Progressive will extend their comprehensive protection into Mexico, for a modest amount to cover the rider |
Yrs. back I contacted Progressive about their extending
their collision into Mex, as I remember, and I could be
wrong, they said their collision was good for the entire
country of Mex, they said this was ONLY for
a Motorhome, not a car/truck. As mentioned the Mex Ins Co is the most
important factor, not the US Broker, although I've heard
bajabound will be as much help as they can. The 2
primary Mex Ins Co's that bajabound uses HDI and
ACE are listed as A+ financially, the Lewis & Lewis
Mex Co. Qualitis, I cannot find a listing on, don't know
if that matters
Barry, excuse me if i was a bit overzealous
sancho
[Edited on 5-21-2013 by sancho]
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Barry A.
Select Nomad
Posts: 10007
Registered: 11-30-2003
Location: Redding, Northern CA
Member Is Offline
Mood: optimistic
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| Quote: | Barry, excuse me if i was a bit overzealous
sancho |
Not a problem, Sancho. I am relying on what my State Farm Agent told me, and that could be a huge mistake, especially since he is in Redding, CA and
not near the border. Your points (and others) are very helpful.
Barry
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Ken Cooke
Elite Nomad
Posts: 8970
Registered: 2-9-2004
Location: Riverside, CA
Member Is Offline
Mood: Pole Line Road postponed due to injury
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| Quote: | Originally posted by David K
An annual policy for northwestern Mexico will cover your Jeep anytime you take a trip across the border, without calling, emailing or stopping to buy.
It is cheaper than if you bought separate policies for as many trips you seem to take, and is hassle free. I think I figured my Tacoma covered for a
calendar year (and not over 90 days in Mexico total) was the same price as 21 days of daily coverage... |
The past couple of purchases, I went with bajabound.com and not http://www.instant-mex-auto-insur.com/ due to the fact that Baja Bound insures Jeeps and Instant Mexico does not. I hope to get in a couple of
Baja treks with the Mrs. by years end, but I have to pay as I go as far as insurance is concerned. (Pinching every penny)
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David K
Honored Nomad
Posts: 65411
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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Baja Bound also sponsors this web site... pretty good reason to use them, as well as they use a top rated Mexican company, with legal aid and pays for
vehicle repairs in the USA.
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