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Author: Subject: A Few Mex Insurance Fine Print Items to be Aware Of
monoloco
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[*] posted on 8-2-2009 at 08:39 PM


I always got my FMT in Guerrero Negro and have for the last few years gotten my FM3 stamped there on the way down and back and have never had any problems with migracion. The last couple of times we didn't even have to get out of the car. It's way easier to get your docs there than at the border.
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David K
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[*] posted on 8-2-2009 at 09:10 PM


Quote:
Originally posted by monoloco
I always got my FMT in Guerrero Negro and have for the last few years gotten my FM3 stamped there on the way down and back and have never had any problems with migracion. The last couple of times we didn't even have to get out of the car. It's way easier to get your docs there than at the border.


FMT is a tourist card, for people on vacation. An FM3 is a part time resident visa... just so newbies don't get confused.

Waiting to get a tourist card until Guerrero Negro means you are about 400 miles beyond the legal limit for an undocumented tourist. Do what you want, but for those who want to play by all the rules, give them the right information and not the 'easy way out' answer... yes?




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monoloco
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[*] posted on 8-2-2009 at 10:11 PM


Quote:
Originally posted by David K
Quote:
Originally posted by monoloco
I always got my FMT in Guerrero Negro and have for the last few years gotten my FM3 stamped there on the way down and back and have never had any problems with migracion. The last couple of times we didn't even have to get out of the car. It's way easier to get your docs there than at the border.


FMT is a tourist card, for people on vacation. An FM3 is a part time resident visa... just so newbies don't get confused.

Waiting to get a tourist card until Guerrero Negro means you are about 400 miles beyond the legal limit for an undocumented tourist. Do what you want, but for those who want to play by all the rules, give them the right information and not the 'easy way out' answer... yes?
My point is that never once did it seem to be an issue with migracion, but I don't know anything about the insurance ramifications. I have been in a traffic accident in Baja and nobody ever asked to see any immigration documents.
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msawin
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[*] posted on 8-3-2009 at 06:39 AM
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BAJA NOMAD , the best. I would die with out it. A thread a couple of months back made me get off my butt and check out this issue of auto insurance coverage. I have been driving Baja for 20 years now. I
always try to go by the book. I have around 30 neighbors at our Tripui home. I have been trying to let them know of the FMT limits for coverage.

But it ain't just the FMT. When is the last time you drove Baja by the posted speed limit? How can you. What does that mean? How about not one single cold beer on the drive?

You find out about your insurance coverage when you make a claim. I've gone threw 2 major fires and at that time I found out about my insurance coverage...

marty
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DENNIS
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[*] posted on 8-3-2009 at 08:15 AM


Quote:
Originally posted by msawin
How about not one single cold beer on the drive?



WHA....GASP..SPUTTER..... Unthinkable. Don't even talk like that in jest.
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BajaGeoff
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[*] posted on 8-3-2009 at 03:19 PM


I contacted Genworth Seguros to get information about coverage on dirt roads. They will provide coverage on dirt roads as long as it is a main thoroughfare or what is considered a "municipal road" to get to a particular destination.

Coverage will cease when you take your vehicle on a rough trail or less maintained road that is in bad shape or if you are driving off the road completely. Basically, they are just making sure that people understand there is no coverage for driving on the beach, through sand dunes or trailblazing on really rough terrain where it would be impassable for a normal vehicle trying to get from point A to point B. Use your best judgment and you will be fine. If the road looks really sketchy, it probably isn't covered.




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woody with a view
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[*] posted on 8-3-2009 at 03:25 PM


in other words, don't roll your rig in the dunes or get it buried in the sand when the tide is coming up????? but as long as a passenger vehicle (probably carrying the adjuster) can get in there you'll be okay?



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Desertbull
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[*] posted on 8-3-2009 at 06:48 PM


and one of my close friends discovered that if you are in anyway, shape or form assisting an off road race team and you are involved in an accident during the events surrounding the race week...you're not covered....

I researched my own annual policies on my trucks and SUV's we take to Baja and ended up changing companies because during prerunning and race events, even if you are personally not racing, but if you are "involved" in any aspect of chasing or assisting, i.e. headed down to a remote pit to help out and you are involved in an insurance claim, it can be rejected for that reason...stupid, but I witnessed this happen to a good friend, as opposed to a not so good friend like Capt. Mike, Baja Xplorer, Wild Bill, and the likes of those kinds! Bwah!!!

anyhow be careful if you help out race teams and check with you policy to verify you are covered...and by the way, you should always be 100 percent covered! : )




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