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bajajazz
Nomad
Posts: 386
Registered: 12-18-2006
Location: La Paz, BCS, Mexico
Member Is Offline
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Insurance for US-plated vehicles, northbound
I need temporary auto insurance for pickup and travel trailer for 30 days beginning 31 October, '10, to cover travel from San Ysidro to Albuquerque
and return. Both vehicles registered and current in South Dakota and covered by Qualitas with Mexican Insurance. They won't write on vehicles with
US plates. Anyone know of a company that'll oblige?
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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This lady has been touted often here and I just bought a two day policy from her.
Elena Bretts
Lives and works in Ensenada.
646-178 5715
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bajajazz
Nomad
Posts: 386
Registered: 12-18-2006
Location: La Paz, BCS, Mexico
Member Is Offline
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Thanks, Dennis. I'm not getting any response at that phone number, however.
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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OK....I just called her on that number and it works for me. She says, if the line is busy you'll be sent to voice mail and she's been really busy.
She gave me another number for you to try as well as the first one:
01-646- 1120496
The 01 has to begin the other number as well.
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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 Gecko" does everything but stand on its head to insure me coming out of Mexico.
GEICO could insure your rig via their website. They will send a special email to you that you you print out that is proof of insurance. Pay with a
VISA credit or debit card.
It's fast and easy...
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bajajazz
Nomad
Posts: 386
Registered: 12-18-2006
Location: La Paz, BCS, Mexico
Member Is Offline
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Thanks, David. I tried Geico but they won't write temporary insurance.
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vandenberg
Elite Nomad
Posts: 5118
Registered: 6-21-2005
Location: Nopolo
Member Is Offline
Mood: mellow
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Bajajazz,
We had a hell of a time getting temporary insurance in California. As a last resort, if you have a Ca dr. license and can come up with a Ca. address,
take out a half year policy ( can get this with any of them) and upon return cancel and demand a refund.
Forgot,
Take the policy on a payment program, just in case you have trouble getting a refund. Worse can happen, you loose a month premium.
[Edited on 10-28-2010 by vandenberg]
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bajajazz
Nomad
Posts: 386
Registered: 12-18-2006
Location: La Paz, BCS, Mexico
Member Is Offline
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Thanks, Vandenberg,
Our destination is ABQ where we have an address, so a Geico agent in New Mexico offered to write a six-month policy and as a last resort I would've
bought it, then cancelled on our return. 21st Century will also perform on this basis and yes, it cost me two months premium for a one month need.
I got hold of Elena in Ensenada and she will write a one month policy on both the truck and trailer for $62. USD. No idea what company, guess she's
an independent agent who brokers US policies. Looks like that's the way I'll go. Thank you all for your help. And prompt, too!
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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| Quote: | Originally posted by vandenberg
Dennis, Dennis,
ran out of Prozac ?? |
No, but there's no way you would know that.
I do make decisions on the natch. No meds. Something about it all bothers me as well. I'll impose a revaulation upon my perfect self and see what I
come up with.
I'm doing the best I can in a bad moment. I know nothing's right. I have senseless moments. Moments that give me up. Nobody will ever know. Who would
ever care if I don't.
Wrong place for this sht, but if I didn't do it here, I'd be more alone than I could stand.
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vandenberg
Elite Nomad
Posts: 5118
Registered: 6-21-2005
Location: Nopolo
Member Is Offline
Mood: mellow
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Hey, you's my buddy.
Remember you giving me Elena's as a contact last fall. Can't remember what happened nor what the reason was she couldn't help me, but I ended up with
1/2 year Statefarm Policy.
Have a Pacifico or two. I'm having a cheap scotch.
Down the hatch !!!
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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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Well, I get it for three-month increments...
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Bajatripper
Ultra Nomad
Posts: 3152
Registered: 3-20-2010
Member Is Offline
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I, too, have used Elena Bretts and have no complaints, although her office can be challenging to find.
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MsTerieus
Nomad
Posts: 462
Registered: 6-8-2010
Location: Punta Banda, Ensenada, Baja California
Member Is Offline
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Could someone please clarify .... ?
I am looking into the car insurance question, myself, in anticipation of a 1-year (or longer) move to the Ensenada area. I probably will drive to San
Diego not more than once per month (to run errands, shop, etc.), staying for not more than a few hours. Occasionally, I may need to go to the States
for longer periods. Despite having read SCORES of posts here regarding auto insurance, and having talked to 3 providers of Mexican auto insurance, I
am still confused:
* If I get Mexican insurance, it won't cover me in the U.S.
* If I get US insurance that covers me down to Northern Baja, I
understand that I will have to state on my application (falsely)
that I reside in the U.S. which, I fear, will result in the insurer's
denying coverage, should I need it.
* If I can find and obtain short-term tourist insurance for visitors to
the U.S., I'm guessing that I'll pay at least $10 each time I make
a run to San Diego to do my errands. That adds up -- $120/year,
and it doesn't even cover any longer trips to the U.S. I might
need to take.
I'd appreciate any advice you may have for me about the best (and most economical) way to get/have coverage on those rare occasions when I am in the
U.S., taking into account the above problems.
Thanks!
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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| Quote: | Originally posted by MsTerieus
* If I get US insurance that covers me down to Northern Baja, I
understand that I will have to state on my application (falsely)
that I reside in the U.S. which, I fear, will result in the insurer's
denying coverage, should I need it.
Thanks!
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I assume you mean Southern Baja sinse "to Northern Baja" will be void anywhere below the border.
I have AAA and they will only cover me 50 miles below the border. I've never heard of a US policy that will cover one so far down the Penninsula as
you mention.
Why would a statement that you are a resident of the states while you are vacationing "abroad" be untrue? Do they limit the time you are allowed to
have your vehicle on vaction?
If you have to bend the rules, bend them in your favor. That's what the insurance companies do.
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MsTerieus
Nomad
Posts: 462
Registered: 6-8-2010
Location: Punta Banda, Ensenada, Baja California
Member Is Offline
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| Quote: | Originally posted by DENNIS
| Quote: | Originally posted by MsTerieus
* If I get US insurance that covers me down to Northern Baja, I
understand that I will have to state on my application (falsely)
that I reside in the U.S. which, I fear, will result in the insurer's
denying coverage, should I need it.
Thanks!
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I assume you mean Southern Baja sinse "to Northern Baja" will be void anywhere below the border.
I have AAA and they will only cover me 50 miles below the border. I've never heard of a US policy that will cover one so far down the Penninsula as
you mention.
Why would a statement that you are a resident of the states while you are vacationing "abroad" be untrue? Do they limit the time you are allowed to
have your vehicle on vaction?
If you have to bend the rules, bend them in your favor. That's what the insurance companies do. |
I suppose I meant "to the upper portion of Baja, CA." The statement would be untrue because I would not be "vacationing." More to the point, I read
language in one tourist policy (online -- I don't remember which company) that specifically excluded from coverage persons (or vehicles) that were
"regularly garaged" in Baja or that remained in Baja for more than 6 months.
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MrBillM
Platinum Nomad
Posts: 21656
Registered: 8-20-2003
Location: Out and About
Member Is Offline
Mood: It's a Zip-a-Dee-Doo-Dah Day
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For Heaven's Sake, DONT !
Become the FIRST Gringo/Gringa EVER to make a FALSE statement involving your status in Baja.
The Horrendous Moral, not to mention Legal, consequences of doing so are simply too much for the average person to deal with.
I don't believe I've EVER met someone in Baja who didn't tell the entire complete truth EVERYTIME they've dealt with Officials and Bureaucracy.
Go forth and DON'T commit such a Sin. A cursory look around you will reveal the WISDOM of ALWAYS being Truthful.
[Edited on 10-29-2010 by MrBillM]
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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| Quote: | Originally posted by MsTerieus
I don't remember which company) that specifically excluded from coverage persons (or vehicles) that were "regularly garaged" in Baja or that remained
in Baja for more than 6 months. |
Well...there you go. I guess it all revolves around your interpretation of "regularly garaged" but if the duration of it's stay in Mexico, being 6
months, has anything to do with it, you're home free. You already stated the vehicle would be in the states app. once a month.
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MsTerieus
Nomad
Posts: 462
Registered: 6-8-2010
Location: Punta Banda, Ensenada, Baja California
Member Is Offline
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| Quote: | Originally posted by MrBillM
Become the FIRST Gringo/Gringa EVER to make a FALSE statement involving your status in Baja.
The Horrendous Moral, not to mention Legal, consequences of doing so are simply too much for the average person to deal with.
I don't believe I've EVER met someone in Baja who didn't tell the entire complete truth EVERYTIME they've dealt with Officials and Bureaucracy.
Go forth and DON'T commit such a Sin. A cursory look around you will reveal the WISDOM of ALWAYS being Truthful.
[Edited on 10-29-2010 by MrBillM] |
A) You seem to miss my point: If one gets CAUGHT for making false statements to the insurer, the insurer may DENY COVERAGE. Got it?
B) Like you (but for entirely different reasons), I am not an "average" person. I am a licensed attorney and don't plan to risk the consequences
described in (A) above OR getting disbarred for making/attesting to false statements.
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MsTerieus
Nomad
Posts: 462
Registered: 6-8-2010
Location: Punta Banda, Ensenada, Baja California
Member Is Offline
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No -- actually, it would all revolve around a U.S. JUDGE's (or, possibly, jury's) interpretation of those terms. Having litigated insurance coverage
cases in the past, I can assure you that any judge would find that my vehicle (which I intend to park regularly in my 2-car garage) is "regularly
garaged" in Baja. Moreover, I think it more probable than not that the judge also would find that I or the car remained (and "remain" may not be the
word I saw in the policy) in Baja for more than 6 months, despite an occasional outing to San Diego (or wherever).
I have to chuckle at all the cavalier posts I have seen by lay-persons, winking their eyes and explaining how they think they are putting something
over on their insurance companies. They may be in for a rude awakening if and when they ever require coverage.
| Quote: | Originally posted by DENNIS
| Quote: | Originally posted by MsTerieus
I don't remember which company) that specifically excluded from coverage persons (or vehicles) that were "regularly garaged" in Baja or that remained
in Baja for more than 6 months. |
Well...there you go. I guess it all revolves around your interpretation of "regularly garaged" but if the duration of it's stay in Mexico, being 6
months, has anything to do with it, you're home free. You already stated the vehicle would be in the states app. once a month.
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[Edited on 10-29-2010 by MsTerieus]
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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| Quote: | Originally posted by MsTerieus
A) You seem to miss my point: If one gets CAUGHT for making false statements to the insurer, the insurer may DENY COVERAGE. Got it?
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Where are the false statements? Where is the violation of the "letter of the law?"
You've been an attorney so long that you've forgotten that the vast majority of citizens are forced to interpret regulations without your insight of
how a judge may or may not see things.
Don't you think just for a moment that everybody must have better things to do than follow you around waiting for you to spit on the sidewalk?
Do you really believe you are entitled to that much personal attention? A bit grandiose, doncha think?
Where are the false statements? There are none. You're prosecuting yourself for absolutly no reason.
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