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chuckie
Elite Nomad
Posts: 6082
Registered: 2-20-2012
Location: Kansas Prairies
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Mood: Weary
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Makes Ya wonder (insurance)
Got back in the USA this month, and had called my US Insurance agent to reinstate my Colorado coverage. I was told first, no way, except at a very
high rate because the truck had been without insurance for a long time. I provided them with a copy of my Mexican policy, issued through Vagabundos,
and they issued a policy. That policy was dated 3/12. I picked up my mail at my daughters on Friday last, and had a cancellation notice dated 3/18
because "you do not conform to our standards" HUH? I dont conform to a lot of peoples standards , but an insurance company? No tickets, no accidents,
NADA.....Makes a guy want to head back to Baja. Since its Sunday, I havnt been able to contact the agent yet BUT any suggestions for US coverage?
Truck is licenced in South Dakota....Thanks
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woody with a view
PITA Nomad
Posts: 15939
Registered: 11-8-2004
Location: Looking at the Coronado Islands
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Mood: Everchangin'
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try a different agent....
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durrelllrobert
Elite Nomad
Posts: 7393
Registered: 11-22-2007
Location: Punta Banda BC
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Mood: thriving in Baja
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Chit, their exposure is limited just to those days that you are in the US. The rest of the time your MX insurance covers you. So, the question is why
would you buy US insurance by the year? There's an agent in Ensenada that sell expats US approved insurance by the day and I'm sure that there are
others in different locales. Also, the Dollar Boys at the Otay crossing sell it that way and you don't even have to get out of car.
Bob Durrell
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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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Which ripoff company is this. Chuckie?
A Lot To See And A Lot To Do
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motoged
Elite Nomad
Posts: 6481
Registered: 7-31-2006
Location: Kamloops, BC
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Mood: Gettin' Better
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Whenever I have insured a vehicle in Mexico, I have been told it also has to be concurrently insured in Canada/USA if I am a "visitor to Mexico". Is
this situation one where the vehicle is "Mexican" and Mexico is it's "home" ?
Don't believe everything you think....
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chuckie
Elite Nomad
Posts: 6082
Registered: 2-20-2012
Location: Kansas Prairies
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Mood: Weary
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Its Farmers insurance..I have taken all the stuff to another agent...Moto? No thats not the case, Its a US plated vehicle, I am a Colorado resident,
no tickets, no claims...They seem to be trying to force me into a risk pool at 4 times the rate I was paying before....Wont happen....
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msteve1014
Senior Nomad
Posts: 947
Registered: 12-2-2006
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You are a Colorado resident with South Dakota plates, and no U.S insurance for how long? Why would they help you?
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MitchMan
Super Nomad
Posts: 1856
Registered: 3-9-2009
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Doesn't Colorado require that if you are a Colorado resident (implication meaning that you have a Colorado physical residence) and you have a current
Colorado drivers license that any vehicle that you drive while on Colorado streets must be a Colorado plated vehicle? If so, that would mean that
your driving your South Dakota plated vehicle on Colorado streets is not Colorado legal. Therefore, how could any US insurance company agree to
insure your South Dakota plated vehicle if your using that insurance by driving your South Dakota plated vehicle on Colorado streets is illegal?
A basic tenet of contract law is that the object/actions of a contract must be legal or they are not enforceable by law. At best, a contract could be
written where the object is not legal, and the insurance company could collect your money, but Colorado courts would not force or enforce claim
payment to you if you had an accident that was covered by the terms of your contract (insurance policy).
[Edited on 3-31-2014 by MitchMan]
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chuckie
Elite Nomad
Posts: 6082
Registered: 2-20-2012
Location: Kansas Prairies
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Mood: Weary
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One post would have been enough, but no thats not the problem. The insurance company is aware that it has SD plates with a COLORADO address. They dont
care. FYI. When licencing my Van, which is in Mexico, the Mexican insurance policy was good enough for the State DMV....You must be a lawyer....Also
FYI, I walked over to the Custer County Sheriffs office and asked them if it was legal as registered....With a Colorado address? They didnt care
either.....
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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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Chuckie, 20th Century pulled the same crap on me several years ago. I switched to Lizard Insurance and have had no problems. I told the telephone
agent when I wasn't hospitalized I only drove back and forth to the emergency room.
A Lot To See And A Lot To Do
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MitchMan
Super Nomad
Posts: 1856
Registered: 3-9-2009
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Chuckie, my situation is very similar to yours, the difference being that I am a resident of Calif with a Calif drivers license. I too have a vehicle
in Baja that has SD license plates and an SD registration with my Calif address on it. If I were to drive that vehicle from La Paz to Calif and then
within Calif, I too could get a policy or daily insurance coverage from a US ins company that would ostensibly say in writing that I was covered while
driving that vehicle on Calif streets.
The problem is that if stopped by CA Highway Patrol or any other Calif street cop while driving that vehicle on Calif streets, my vehicle would be and
certainly could be impounded because it is not allowable for a Calif licensed Calif resident with a physical Calif residence to drive any owned
vehicle on Calif streets that is not registered/plated by Calf. It is my understanding that most states, if not all states follow the same policy.
Even Mexico has that policy for itself.
Sounds to me like you did "cursory verbal" due diligence that seemed to indicate that you are "OK", but not sure if your research and verbal responses
are legally sufficient. But, what would be "certain" and "legally sufficient" is if you saw the written law that coincides with your obtained verbal
responses.
I have the same issue as you do, but I looked up the law...not that hard. I have done enough legal and tax work to absolutely know that if it is not
backed up in code or official current written specific on-point pertinent policy, there is absolutely no certainty at all.
When I did tax research and compliance for a US based conglomerate with 260 corporations that operated in every state in the US and in six countries,
we would never ever correspond with the IRS over the phone...never because you cannot legally rely on any verbal statement from anyone, even if it
were stated by the US Treasurer himself. The only substantiation that you can count on is what is written code or policy.
Not trying to argue with you, not trying to prove you wrong, just stating what I know.
The whole point of insurance is not simply to stay "legal", but to "actually" have legally enforceable ins policy that will pay your claim,
especially if it is a serious accident. Personally, I don't care if ins is legally required by the state, I want the ins COVERAGE to be "actual" and
legally enforceable. I would assume that is what you want too. Verbals by anyone are not legally enforceable on their own, only written code and
policy. That is all I am saying.
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Udo
Elite Nomad
Posts: 6343
Registered: 4-26-2008
Location: Black Hills, SD/Ensenada/San Felipe
Member Is Offline
Mood: TEQUILA!
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Here is what I was told by Mercury Ins. in California:
Since I can prove my residency in Mexico, and my vehicles are registered in South Dakota, plus I have Sd driver's Lic., I need to speak to the SD
Mercury agent about part-time coverage.
Udo
Youth is wasted on the young!
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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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I wouldnt call going to the Sheriffs office and asking the question a "cursory" check....
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Hook
Elite Nomad
Posts: 9009
Registered: 3-13-2004
Location: Sonora
Member Is Offline
Mood: Inquisitive
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You might try going through AARP and Hartford insurance. I dont know how they will treat you in this case as I have had continuous US insurance since
I moved to Mexico.
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JZ
Select Nomad
Posts: 10132
Registered: 10-3-2003
Member Is Offline
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CA is strict on the plates issue from another state. Maybe CO is different.
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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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I believe Elena Betts in Ensenada sells US trip insurance for up to 30 days. We have friends in Ensenada who have a SD plated vehicle and use her for
insurance when shopping/trips to the US
| Quote: | Originally posted by Udo
Here is what I was told by Mercury Ins. in California:
Since I can prove my residency in Mexico, and my vehicles are registered in South Dakota, plus I have Sd driver's Lic., I need to speak to the SD
Mercury agent about part-time coverage. |
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MitchMan
Super Nomad
Posts: 1856
Registered: 3-9-2009
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It all depends on the actual written law...that is controlling. Verbal representations hold no wait on their own. If they did, we wouldn't need
codified law, written contracts, congress to make laws, judicial system to decide on cases concerned with the written law, and the Constitution, state
and federal, would have no place in our society.
Very surprising if Colorado wouldn't rely on their codified law and instead followed only what was said by sheriffs at sheriff offices. Furthermore,
research that is not supported by verified fact and only on verbal unverified representations have no weight in just about any field.
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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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How do you know that what the Sheriff said isnt "codified law"? You must be a lawyer....
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Pescador
Ultra Nomad
Posts: 3587
Registered: 10-17-2002
Location: Baja California Sur
Member Is Offline
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Geez, this was not a discussion about whether or not Chuckie's vehicle is legal. Get off of the South Dakota stuff. It is because he did not have
the vehicle insured with a US policy and when he goes back on he gets put in a R-22 factor. He needs to find a different agent, and in Colorado,
where I was an agent, I would try State farm and Progressive. Be sure to start with the fact that you had Mexican coverage for the whole time and now
are moving back to the states and should not have to go into a risk pool. If that continues, then you can always sell the truck to your daughter for
$1, and then buy it back and start with a clean slate, but that could take a few days and I would only use it as a last resort.
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vandenberg
Elite Nomad
Posts: 5118
Registered: 6-21-2005
Location: Nopolo
Member Is Offline
Mood: mellow
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| Quote: | Originally posted by MitchMan
The problem is that if stopped by CA Highway Patrol or any other Calif street cop while driving that vehicle on Calif streets, my vehicle would be and
certainly could be impounded because it is not allowable for a Calif licensed Calif resident with a physical Calif residence to drive any owned
vehicle on Calif streets that is not registered/plated by Calf.
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One of the reasons we use our Mexican DL's when we travel in Ca. with our Dakota plates.
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