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monoloco
Elite Nomad
Posts: 6667
Registered: 7-13-2009
Location: Pescadero BCS
Member Is Offline
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| Quote: | Originally posted by willardguy
| Quote: | Originally posted by monoloco
| Quote: | Originally posted by MMc
. Who would you call at Costco?
[Edited on 8-9-2013 by MMc] |
Qualitas was the underwriter when I had the insurance from Costco. I hit a cow
between Pescadero and CSL, when I got back to Pescadero, I called the number on the policy and an adjuster came out to my home within an hour. It
couldn't have been any easier. |
what was the outcome? does the insurance company pay for the cow?
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Actually, the owner of the cow is supposed to be liable. The adjuster sent me to the body shop of the Ford
dealer in La Paz and they repaired it with a new OEM bumper. The total cost of the repair was 14,000 pesos. Of course I was out of pocket the $500
deductible.
"The future ain't what it used to be"
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BajaGeoff
Super Nomad
Posts: 1727
Registered: 1-11-2006
Location: San Diego and Campo Lopez
Member Is Offline
Mood: Heading To Baja!!!
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DavidE.....Just curious....based upon my 10+ years of work experience in Mexican insurance, I have never heard of Surplus Lines Brokers being
responsible for providing attorneys for their clients and paying for their legal fees. In my experience that is the duty of the Mexican insurance
company that you have contracted the policy with - provided that you bought a policy with legal assistance included. If you have an accident, you need
to call the number on your policy to reach the claims center of the company you are insured with to get the process started. These claims centers are
open 24 hours a day, 7 days a week, 365 days a year. Your Surplus Lines Broker's office is not open 24/7/365....so if you call them at 10PM on a
Saturday looking for legal help after an accident in Mexico you are barking up the wrong tree.
Here is how it works with the companies we represent:
In the event of an accident you call the claims center open of the Mexican insurance company you are insured with and they will send out an adjuster
from their network, which extends throughout the entire country of Mexico. Once the adjuster is on the scene they will make the determination of
whether or not a lawyer is needed. It is completely dependent on the severity of the accident. If deemed necessary, they will call their "go-to" law
firm to have a lawyer come represent you. The amount of legal expenses that is covered varies from company to company, so check to see how much
coverage you currently buy. The companies we work with provide the following:
ACE Seguros and Mapfre Tepeyac cover up to $30,000 US
HDI Seguros matches up to the amount of liability on the policy...so if you have $150,000 in liability, they would cover up to $150,000 US in legal
fees.
I dealt with this in person when a friend of mine struck a man trying to run across the toll road north of Ensenada a few years ago. An ambulance and
Federales were on the scene quickly and took the injured man away (he was very lucky and was not severely injured). We followed the Federales back to
Ensenada and called HDI Seguros, who my friend was insured through....with legal assistance coverage included. They sent an adjuster out right away,
who then called for a lawyer as soon as he learned of the situation. After a few hours of getting the paperwork sorted out at the police station, my
friend was taken to the Ministerio Publico with the lawyer to determine if he was at fault. Since it was not his fault he was free to go. All things
told, it took about six hours from the time the accident occurred to the time we were back on the road. All legal expenses were covered by HDI per his
insurance policy.
Now if you have an accident and call our office, we will be more than happy to help in any way we can to keep the claims process moving forward and
connect you with the appropriate parties. We do that all the time and work very closely with the heads of the Mexican insurance companies that we
represent. Nomads bajaguy and TecateRay can attest to that, as they are Baja Bound clients and I worked with both of them very closely after they had
accidents and their claims were being processed.
The bottom line...regardless of who you get insurance from, definitely get a policy with legal assistance included. And yes...all policies Baja Bound
writes automatically come with legal aid and bail bond included.
Safe travels and ¡Viva Baja!
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MMc
Super Nomad
Posts: 1679
Registered: 6-29-2011
Member Is Offline
Mood: Current
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Wow, Geoff, Thank you! When I have helped out friends that have had incidents the families usually have no idea as to whom they can call and are left
feeling helpless. It is a comfort to have tangible person that they can call. It doesn't change what has to happen, it just bring some calm before the
storm.
"Never teach a pig to sing it frustrates you and annoys the pig" - W.C.Fields
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DavidE
Ultra Nomad
Posts: 3814
Registered: 12-1-2003
Location: Baja California México
Member Is Offline
Mood: 'At home we demand facts and get them. In Mexico one subsists on rumor and never demands anything.' Charles Flandrau,
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The FUNDING for the bail, administrative fines, and other costs was instituted by the Surplus Line Brokers. The Mexican insurance companies thought
the idea was nuts. Yes the company provides the abogado. But I have seen abogados go on vacation, the backup attorney got kicked out of his house by
his old lady and the process of securing an attorney would lose steam unless the broker kept hammering away at the Mexican insurance company.
I hope after seeing Ringling Brothers Barnum & Bailey for five decades that things are changing. But I can tell you for a fact, I waited SEVEN
HOURS in downtown Lazaro Card##as, Michoacan for an adjuster to show up because the surplus line broker would not spend the money for more than ONE
SINGLE international phone call. My calls to Mexico City were shunted to the janitor I guess. Needless to say, when I had a chance I freakin' melted
the phone wires to the broker. They are now out of business I guess. They never were a major. I spent TWO DAYS near Valle de Bravo waiting for an
adjuster to show up or a pair of ladies who got rear-ended really bad by a Bimbo truck. This is a THREE HOUR one hand on the steering wheel drive from
Mexico City. The jerk policias municipales were trying to extort money from the women. I captured their voices, ID and everything on my shirt pocket
digital voice recorder. When the PFP finally arrived, I let them listen to the recording and the PFP had a short ugly conversation with the
municipios. The accident happened on a tramo federal de SCT and the feds were not amused. The locals hauled asssss let me tell ya.
An accident victim sees the adjuster and the abogado if necessary. He does not see the company president or the advertising department. If the field
boys fall on their face, having a surplus line broker following through can make the difference between a really bad day and a hell of a less bad day.
I do hope things are changing. Some states are requiring liability and I can only hope this means a sea change in customer service.
A Lot To See And A Lot To Do
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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 BajaGeoff
ACE Seguros and Mapfre Tepeyac cover up to $30,000 US
HDI Seguros matches up to the amount of liability on the policy...so if you have $150,000 in liability, they would cover up to $150,000 US in legal
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I just noticed this difference in Legal Fee coverage on the 2
major Co's, HDI, which my reading seems to be responsive
to situations, and ACE, which I know nothing about.
As posted, HDI runs their Legal Coverage up to the limit of
libility on one's ploicy, to $500,000, while ACE covers a set amount of $30,000, although I can't imagine legal fees ever reaching $30,000, few things
in Mex ever seem clear, simple
to understand, constant or logical
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