jodiego
Nomad
Posts: 317
Registered: 2-16-2007
Location: San Diego
Member Is Offline
Mood: ever hopeful
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Insurance Refund
I asked Discover Baja if I could get a credit or refund on my mexican insurance, mainly because I won't be going down to mexico for awhile. It's good
until August, 2020.They wouldn't do it. Was I asking too much and are there companies that are crediting or refunding?
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BajaMama
Super Nomad
Posts: 1107
Registered: 10-4-2015
Location: Pleasanton/Punta Chivato
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Mood: Got Baja fever!!
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Some USA companies are. I don't know about Mexican insurance.
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David K
Honored Nomad
Posts: 64722
Registered: 8-30-2002
Location: San Diego County
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Mood: Have Baja Fever
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I will take a guess that if you got a one-year policy that will cover you for up to 90-days during the year, I would say not... just guessing,
however.
The insurance is actually from HDI Seguros (or another Mexican company) and Discover Baja, Baja Bound, and others are only the salesman/ agent for the
Mexican company.
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jodiego
Nomad
Posts: 317
Registered: 2-16-2007
Location: San Diego
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Mood: ever hopeful
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By their response, I believe that is the situation. Can you explain to me the "cover you for up to 90 days during the year".
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David K
Honored Nomad
Posts: 64722
Registered: 8-30-2002
Location: San Diego County
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Mood: Have Baja Fever
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Yes, it is the policy I usually get. I am covered for any trips into NW Mexico as long as the total period is 90 days in that year. In 2017, I went to
Baja 8 times for trips between 3 and 14 days for a total of around 60 days. Yes, it is an honor system as to when you are in Mexico. This kind of
policy is the greatest value with premium coverage (including legal aid and towing). My policy was mid year to mid year so the actual number of days
on the policy was much less.
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sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
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That 90 day has always concerned me, not saying there
has ever been a reported problem with it. Just that it is
on the honor system. Not being one to trust Ins Co's,
I find it to have too many vague terms. Don't know the
$ difference in a straight 365 day policy though, which I
go with
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AKgringo
Elite Nomad
Posts: 6001
Registered: 9-20-2014
Location: Anchorage, AK (no mas!)
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Mood: Retireded
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I don't expect any rebate on my Mex insurance policy. It won't hurt too much though, I bought an annual, liability only, driver's license policy that
covers me in whichever of my fully depreciated vehicles I choose to drive SOB!
I have until Jan 21 before I have to renew, so I may still get my money's worth out of the policy!
If you are not living on the edge, you are taking up too much space!
"Could do better if he tried!" Report card comments from most of my grade school teachers. Sadly, still true!
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DIWR17
Junior Nomad
Posts: 74
Registered: 1-6-2020
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Most Mexican Auto Insurance policies are fully earned at inception. No refunds. That's the policies for US tagged cars coming down here.
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weebray
Super Nomad
Posts: 1094
Registered: 7-19-2010
Location: La Paz
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Mood: lleno
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I repeat. Insurance is only good until you need it. The only thing that you MAY be protected from is the loss of assets. If you get in an accident in
Mexico, you will lose. Drive like it.
Every beautiful beach in the world needs a few condo towers - NOT.
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Howard
Super Nomad
Posts: 2353
Registered: 11-13-2007
Location: Loreto/Manhattan Beach/Kona
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Mood: I'd rather regret the things I've done than regret the things I haven't done.
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I am expecting my car insurance rebate to arrive right around the time I get money back for my annual fishing license.
We don't stop playing because we grow old;
we grow old because we stop playing
George Bernard Shaw
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ligui
Senior Nomad
Posts: 833
Registered: 2-9-2008
Location: Fraser co.
Member Is Offline
Mood: love Baja !
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Still waiting here for US govt. Stimulus check here .
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TMW
Select Nomad
Posts: 10659
Registered: 9-1-2003
Location: Bakersfield, CA
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Quote: Originally posted by weebray  | | I repeat. Insurance is only good until you need it. The only thing that you MAY be protected from is the loss of assets. If you get in an accident in
Mexico, you will lose. Drive like it. |
I disagree with that. I've had three accidents in Baja. The first and last paid off. The first was a brand new 1988 Toyota PU one month old. The
second was my 1991 chevy 4x4. In 1995 they paid to have it fixed in San Diego. My last was my 1993 Toyota 4x4 totaled in Dec. 2007 and paid KB price.
I would not recommend anyone drive reckless mainly because if someone is hurt or killed you would be in a world of trouble if it's your fault.
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TMW
Select Nomad
Posts: 10659
Registered: 9-1-2003
Location: Bakersfield, CA
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I've got direct deposit and mine came the same day as my April SS.
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John Harper
Super Nomad
Posts: 2289
Registered: 3-9-2017
Location: SoCal
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If you did not get a refund recently (last 2-3 years) through direct deposit, or have a SS account with direct deposit, you are likely at the back of
the bus. They need your bank account number/routing number, or you have to wait for a snail mail check.
But, that paper check will be signed by Donald J. Trump, not Steven Mnuchin. So, you got that going for ya!
John
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Hook
Elite Nomad
Posts: 9009
Registered: 3-13-2004
Location: Sonora
Member Is Offline
Mood: Inquisitive
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| Quote: Originally posted by John Harper |
If you did not get a refund recently (last 2-3 years) through direct deposit, or have a SS account with direct deposit, you are likely at the back of
the bus. They need your bank account number/routing number, or you have to wait for a snail mail check.
But, that paper check will be signed by Donald J. Trump, not Steven Mnuchin. So, you got that going for ya!
John |
In addition, even if they have your banking account info from directly PAYING TAXES (we havent got a refund in a long time because we never had
anything withheld), it's not the same as them having your direct deposit info, for some reason.
We only got ours this past week.
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