BajaNomad
Not logged in [Login - Register]

Go To Bottom
Printable Version  
Author: Subject: Insurance coverage for "conventional" roads only?
Santiago
Ultra Nomad
*****




Posts: 3512
Registered: 8-27-2003
Member Is Offline


[*] posted on 9-17-2019 at 12:20 PM
Insurance coverage for "conventional" roads only?


Coverage is only valid on conventional roads. Coverage while off-roading, racing and driving on non-conventional roads is excluded.

The above is on an Mexican auto insurance website. How would this be interpreted? Has anyone been denied coverage because of this language?
View user's profile
Bajazly
Super Nomad
****




Posts: 1013
Registered: 6-4-2015
Location: Goodbye Cali and Hello San Felipe
Member Is Offline

Mood: More Relaxed Everyday

[*] posted on 9-17-2019 at 01:48 PM


I think the argument would be what is a conventional road. I don't think they could argue that means dirt. I live on a dirt road but there are houses everywhere and so many roads in Baja are dirt. Seems to me if a road goes somewhere, which most do, that people use to get to ranchos or the next town, the road in question could be called a conventional road.

Probably a good conversation to have with the broker and get their take on it but when I talked to Bajabound about having an accident where there was no cell coverage, what would one do in the case of getting the adjusters to come to you before the cars were moved. The general attitude was use best judgement and get to a place where contact could be made and deal with it from there.

Be interesting to see what they will tell you their definition of conventional is but I suspect they are trying mostly to shield themselves from pre running type of accidents because they could certainly make the case that the "racecourse" is surely not a conventional road even tho most of it is in non race times.




Believing is religion - Knowing is science

Harald Pietschmann

"Get off the beaten path and memories, friends and new techniques are developed"

Bajazly, August 2019
View user's profile
David K
Honored Nomad
*********


Avatar


Posts: 64859
Registered: 8-30-2002
Location: San Diego County
Member Is Offline

Mood: Have Baja Fever

[*] posted on 9-17-2019 at 02:39 PM


If I recall, if it is on a map, it is a road.
If it is not on a map, then you are "off-road".

Everywhere I drove in 2017 and 2018 mapping and road logging, I was insured by Baja Bound.

However, what could happen on a remote dirt road that you would need insurance for? I have insurance for when I am in cities and highways in Baja where someone else might crash into me or if I accidentally hit someone. Once I am away from civilization and on a dirt road or no road, I don't need insurance for anything.

Edit: It is also for theft, so if someone stole my car while camping... then that is also covered. However, where I camp there is little chance of that, since bad roads bring good people, lol!

[Edited on 9-17-2019 by David K]




"So Much Baja, So Little Time..."

See the NEW www.VivaBaja.com for maps, travel articles, links, trip photos, and more!
Baja Missions and History On Facebook: https://www.facebook.com/groups/bajamissions/
Camping, off-roading, Viva Baja discussion: https://www.facebook.com/groups/vivabaja


View user's profile Visit user's homepage

  Go To Top

 






All Content Copyright 1997- Q87 International; All Rights Reserved.
Powered by XMB; XMB Forum Software © 2001-2014 The XMB Group






"If it were lush and rich, one could understand the pull, but it is fierce and hostile and sullen. The stone mountains pile up to the sky and there is little fresh water. But we know we must go back if we live, and we don't know why." - Steinbeck, Log from the Sea of Cortez

 

"People don't care how much you know, until they know how much you care." - Theodore Roosevelt

 

"You can easily judge the character of others by how they treat those who they think can do nothing for them or to them." - Malcolm Forbes

 

"Let others lead small lives, but not you. Let others argue over small things, but not you. Let others cry over small hurts, but not you. Let others leave their future in someone else's hands, but not you." - Jim Rohn

 

"The best way to get the right answer on the internet is not to ask a question; it's to post the wrong answer." - Cunningham's Law







Thank you to Baja Bound Mexico Insurance Services for your long-term support of the BajaNomad.com Forums site.







Emergency Baja Contacts Include:

Desert Hawks; El Rosario-based ambulance transport; Emergency #: (616) 103-0262