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Ken Cooke
Elite Nomad
Posts: 8947
Registered: 2-9-2004
Location: Riverside, CA
Member Is Online
Mood: Pole Line Road postponed due to injury
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AAA Insurance in Baja???
A Jeeping friend of mine has purchased special AAA insurance for use in Baja, Mex. for next weeks Baja Pole Line Run. His rig is a pricey one
(~$50,000.00 Rubicon), and I'd hate for him to get into a legal tangle with the Federales for not being properly insured. Does AAA sell legitimate
insurance for south of the border???
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bajajudy
Elite Nomad
Posts: 6886
Registered: 10-4-2004
Location: San Jose del Cabo,BCS
Member Is Offline
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Only AAA can answer that question correctly. The rest of us would just be guessing
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bajalou
Ultra Nomad
Posts: 4459
Registered: 3-11-2004
Location: South of the broder
Member Is Offline
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I'm sure AAA can sell colision and comprehensive insurance to cover vehicles wherever they decide to. The liability insurance is the one to
question.
No Bad Days
\"Never argue with an idiot. People watching may not be able to tell the difference\"
\"The trouble with doing nothing is - how do I know when I\'m done?\"
Nomad Baja Interactive map
And in the San Felipe area - check out Valle Chico area |
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TMW
Select Nomad
Posts: 10659
Registered: 9-1-2003
Location: Bakersfield, CA
Member Is Offline
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Yes they can and do, it's thru a Mexican Underwriter or what ever you call em. I've used them before I started getting an annual policy thru Discover
Baja.
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Ken Bondy
Ultra Nomad
Posts: 3326
Registered: 12-13-2002
Member Is Offline
Mood: Mellow
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I've bought AAA insurance for several Mexico trips. It included civil liability, legal assistance, travel assistance, theft, medical expenses for
occupants, and physical damages. The policy seemed to be very comprehensive, and it was very expensive. It was issued through a Mexican insurance
company called GNP (Grupo Nacional Provincial). Fortunately I've never had to use it but because of AAA's reputation and history in Baja California I
would anticipate it would provide good service.
++Ken++
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David K
Honored Nomad
Posts: 64857
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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I have heard from others it (AAA sold) is quite higher in cost then others...
If not an annual policy at one of the clubs (Discover Baja or Vags) or Lewis & Lewis, then a daily policy through www.BajaBound.com has always been easy to do (online, before you leave home) and lowest in cost... Discover Baja sells GE insurance.
[Edited on 12-22-2005 by David K]
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Ken Bondy
Ultra Nomad
Posts: 3326
Registered: 12-13-2002
Member Is Offline
Mood: Mellow
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I should have added that, on the last several trips, I have used Discover Baja Travel Club for my insurance. Very convenient, online service and
substantially less expensive than AAA. But then I've never had to use any of my policies so it's impossible to evaluate them on price alone.
++Ken++
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turtleandtoad
Senior Nomad
Posts: 730
Registered: 1-20-2005
Location: Wherever I park. See sig for current location.
Member Is Offline
Mood: Good if fishing
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FYI
According to their website, the Vags sell ADA-Vis Global, not GE
Mike & Robin; Full-Time RV\'ers
37\' Georgetown w/3 slides & 275 Watts of Solar Power
06 Taco TRD
www.turtleandtoad.com
I am here
To paraphrase Frank Lloyd Wright; I\'m all in favor of keeping dangerous weapons out of the hands of fools. Let\'s start with keyboards. --
Mike Dean |
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David K
Honored Nomad
Posts: 64857
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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Bedman did an excellent research paper on all the insurance companies/ sellers on how they responded to questions and what they claimed to provide...
That was maybe 3-4 years ago. Based on his research he went with Lewis & Lewis (who sells Qualitas). A report on an accident near Punta Prieta by
a family who had Lewis & Lewis/ Qualitas seemed to confirm they do what they say and allowed the truck to be repaired in the U.S.
I like being able to walk into a place like Discover Baja, in San Diego and deal face to face with nice people who I have faith will assist should I
have problems with GE should I ever have a claim.... Since I have written a couple articles for Discover Baja's newsletter and am friends with the
owners (Hugh and Carol) and their editor (Graham Mackintosh), I like to give them my business. I have been a member of their travel club before buying
their annual insurance just for the great newsletter ($39/yr.)
Reports from Nomads on their personal experience with how claims are handled would be great... just unfortunate that something bad has to happen to
find out!
As already stated Baja Ken was unable to contact Zurich insurance on the phone number provided when his Ford Ranger broke down on the Observatory road
a few years ago... After that problem with the phone number, Discover Baja stopped using Zurich for their insurance! Fortunately, there was no
accident to report.... and Baja Nomads, including 'Desert Bull' provided great assistance to Ken to get his truck towed home.
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David K
Honored Nomad
Posts: 64857
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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| Quote: | Originally posted by turtleandtoad
FYI
According to their website, the Vags sell ADA-Vis Global, not GE |
I was talking about Discover Baja, but that wasn't clear, so I will edit my post above... thanks!
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Ken Cooke
Elite Nomad
Posts: 8947
Registered: 2-9-2004
Location: Riverside, CA
Member Is Online
Mood: Pole Line Road postponed due to injury
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| Quote: | Originally posted by David K
Bedman did an excellent research paper on all the insurance companies/ sellers on how they responded to questions and what they claimed to provide...
That was maybe 3-4 years ago. Based on his research he went with Lewis & Lewis (who sells Qualitas). A report on an accident near Punta Prieta by
a family who had Lewis & Lewis/ Qualitas seemed to confirm they do what they say and allowed the truck to be repaired in the U.S.
I like being able to walk into a place like Discover Baja, in San Diego and deal face to face with nice people who I have faith will assist should I
have problems with GE should I ever have a claim.... Since I have written a couple articles for Discover Baja's newsletter and am friends with the
owners (Hugh and Carol) and their editor (Graham Mackintosh), I like to give them my business. I have been a member of their travel club before buying
their annual insurance just for the great newsletter ($39/yr.)
Reports from Nomads on their personal experience with how claims are handled would be great... just unfortunate that something bad has to happen to
find out!
As already stated Baja Ken was unable to contact Zurich insurance on the phone number provided when his Ford Ranger broke down on the Observatory road
a few years ago... After that problem with the phone number, Discover Baja stopped using Zurich for their insurance! Fortunately, there was no
accident to report.... and Baja Nomads, including 'Desert Bull' provided great assistance to Ken to get his truck towed home. |
Great summary, David.
I might add that my most recent incident in Baja involved getting hit by a deer on a stretch of Hwy between Laguna Chapala and Santa Ynez. I did not
report this incident to the insurer I had used at the time because I simply did not have the time to devote to this on my way back home. The dent
will be taken care of this summer when I have more time to devote to bodywork, but I purchased Instant Mexico Insurance because the owner is a nice
lady who likes Chihuahuas! 
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eetdrt88
Senior Nomad
Posts: 986
Registered: 2-20-2005
Location: Az/Ca/Baja
Member Is Offline
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i am considering getting an annual policy...
for my rig as i plan to take quite a few trips south this upcoming year and really hate to stop on the way for insurance...is Discover Baja the best
way to go online?
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Ken Cooke
Elite Nomad
Posts: 8947
Registered: 2-9-2004
Location: Riverside, CA
Member Is Online
Mood: Pole Line Road postponed due to injury
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| Quote: | Originally posted by eetdrt88
for my rig as i plan to take quite a few trips south this upcoming year and really hate to stop on the way for insurance...is Discover Baja the best
way to go online? |
EETDRT,
You'd be better off by doing the research before committing to any particular insurer. Also, get to know the people in the United States who you will
be dealing with in the event of a claim and/or accident. Having a good relationship with the representatives is a great idea.
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David K
Honored Nomad
Posts: 64857
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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Eet, there has been SOOO much written about insurance here on Nomad, just use search and spend a few hours trying to decide.
Getting an annual policy is a no brainer IF you spend more than 15-20 days a year in Mexico! My $29,000 Tacoma costs near $200 a year to insure for my
Baja vacations... If I were to buy daily policies, in just 10 days I would spend that much.
The other nice thing is no rushing home before your trip policy expires should you decide to stay long or have some kind of problem preventing you
from leaving Mexico on time!
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bajadave1
Nomad
Posts: 225
Registered: 7-20-2004
Location: Los Barriles, BCS
Member Is Offline
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FYI
I had a small fender bender a few months ago (my fault). I use Lewis & Lewis as my agent, I think they sell Qualitas. Anyway, I called the
Mexican toll free number to report the damage, and they had an adjuster here in Los Barriles, in TWO HOURS. No Kidding!!!!!!! He came from La Paz.
Very courteous. I was really impressed.
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bufeo
Senior Nomad
Posts: 793
Registered: 11-16-2003
Location: Santa Fe New Mexico
Member Is Offline
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We use Lewis & Lewis and have for seven years. Two of our vehicles have coverage for all of Mexico and the third for Baja and Sonora only.
AAA has an on-line policy here http://www.aaa-arizona.com/insurance/mexico.htm
I may perform a pro-forma with the AAA site just to compare with the policies we have with L&L...but not today. 
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TMW
Select Nomad
Posts: 10659
Registered: 9-1-2003
Location: Bakersfield, CA
Member Is Offline
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A word of caution with Mexican insurance. You must report an accident etc before returning to the U.S. So I suggest you keep a list of insurance claim
offices and your policy number on your person in case your vehicle is stolen. Second, things go much faster if you do the leg work on getting the
police papers signed etc. Third, when dealing with the federales speak spanish or get someone who does, they won't discuss the paper work in english
with you, especially in TJ. I've been there and done that on all the above.
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wrk
Junior Nomad
Posts: 26
Registered: 6-2-2005
Member Is Offline
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Many years ago when we were new to Baja we bought AAA insurance - yes, very expensive. However, our car was totalled on the toll road between Tijuana
and Ensenada and we were paid the full amount we were insured for - took a while but we got it. We now have Lewis & Lewis - have had for many
years - which is much less expensive but haven't had to use it.
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turtleandtoad
Senior Nomad
Posts: 730
Registered: 1-20-2005
Location: Wherever I park. See sig for current location.
Member Is Offline
Mood: Good if fishing
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Today I purchased my insurance for my RV (Liability, Legal, and road service) and my toad (Full, with road service and medical) for a 6 month period.
After getting quotes from the Vagabundos and Discover Baja, I went with Discover Baja. For the coverage being offered they were better.
The Vags were lower on the boat & fishing permits and I was able to get my FMT through them without having to go to the office in person.
Mike & Robin; Full-Time RV\'ers
37\' Georgetown w/3 slides & 275 Watts of Solar Power
06 Taco TRD
www.turtleandtoad.com
I am here
To paraphrase Frank Lloyd Wright; I\'m all in favor of keeping dangerous weapons out of the hands of fools. Let\'s start with keyboards. --
Mike Dean |
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Taco de Baja
Super Nomad
Posts: 1913
Registered: 4-14-2004
Location: Behind the Orange Curtain, CA
Member Is Offline
Mood: Dreamin' of Baja
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| Quote: | Originally posted by wrk
Many years ago when we were new to Baja we bought AAA insurance - yes, very expensive. However, our car was totalled on the toll road between Tijuana
and Ensenada and we were paid the full amount we were insured for - took a while but we got it. We now have Lewis & Lewis - have had for many
years - which is much less expensive but haven't had to use it. |
If your wreck occurred on the toll road, it should have been covered through the toll road. Just remember to always keep the receipts. Several years
ago, my sister backed into someone after using the rest room at a toll station. The claim was handled through the toll road, not the policy she
bought before crossing. No out of pocket on her part at all .
An in response to the original question, yes, AAA offers Mex. Insurance, but it is way more expensive than other policies out there like Lewis and
Lewis.
[Edited on 12-24-2005 by Taco de Baja]
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