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Baja Vicki M
Newbie
Posts: 5
Registered: 7-22-2021
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Lewis And Lewis Insurance
I have renewed my 6 month policy with Lewis And Lewis every 6 months since I have been here in Mexico. I also renew my FMM every six months. My
husband is a Mexican National. He was driving my truck and was T-boned by an Rosarito Police truck. The protocol in Mexico is DO NOT MOVE THE
VEHICLES. Each party calls thier insurance adjuster. Present the license, registration and insurance to the adjuster, and to the police. Let both
adjusters chronicle the accident, fill out your portion of the accident report and sign on the little iPad they give you. My husband followed the
protocol. The Police did not. They did not call their adjuster. And they moved their vehicle before the adjuster arrived. They asked my husband to
move our vehicle, but he knows the law, and did not. The adjuster arrived. He assured my husband that everything would be fine and the damages would
be covered. Then he spoke to the Policia. They chummed it up and had a nice little good ol' boys chat. The adjuster then returned to my husband, said
our policy was null and void because he had a Mexican driver's license (not true) and he needed to cough up 20,000 pesos for the claim to be approved.
He refused. The cops then issued a ticket for driving without a license. ( a claim can be excluded for an unlicensed driver), and a tow truck came and
impounded our vehicle. The adjuster told us the claim was denied (untrue). He also forged my husband's part of the accident report, and forged my
husband's signature. My husband filled out nothing and signed nothing. At this point, we do not know where our truck is, we have not received a
lawyer (as Lewis and Lewis's site promised) None of my emails have been forwarded, with all the photos, to the regional adjuster for Qualitas, and
Jordan Lewis, called me a liar and hung up on me. There is over 7000 dollars worth of damage to our truck, we do not know where it is, we do not know
who is the adjuster, we do not know who is the lawyer, and it has been 6 days from the accident. I am an LCSW-R - licensed for independent practice. I
have been an expert witness in court proceedings, conducted evaluations for foster homes and adoptions, and done assessments for custody and Child
Protective cases. I practiced for over 34 years and am now retired. I probably could not have kept my license, nor kept a clean ethical record with
zero reviews, if I was a liar. Do not use Lewis And Lewis insurance. They are incompetent charlatans.
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del mar
Banned
Posts: 1057
Registered: 7-23-2016
Location: the cantina of course
Member Is Offline
Mood: lil' fuzzy
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most of the beefs I hear about Lewis and Lewis is that they write Qualitas with a poor record.....I had a large claim with them a dozen years ago and
was settled in two weeks. sounds like things have changed
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JZ
Select Nomad
Posts: 10645
Registered: 10-3-2003
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You should add some paragraph breaks to make your post easier to read.
That sounds awful. Hope it all works out.
I called them several times about boat policies or even just covering towing. They never had anything good to offer.
Bajabound is great to work with.
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Don Pisto
Banned
Posts: 1282
Registered: 8-1-2018
Location: El Pescador
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Mood: weary like everyone else
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ugh, thats a cold bowl of chili Vicki hope you get it sorted out. now that you live here full time why not cut the cord and use a reputable mexican
broker and support your neighbors. Bernies, Mybaja or Cuatros are good choices......jmo and good luck!
there's only two things in life but I forget what they are........
John Hiatt
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SFandH
Elite Nomad
Posts: 7084
Registered: 8-5-2011
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If you're saying you have a car registered in the states and insured by a Mexican company to be driven in Mexico, I'm pretty sure the insurance
doesn't apply if the car is driven by a Mexican citizen (your husband, you said he was a Mex national). I could be wrong, but I don't think so.
Take a look at the fine print in your policy, perhaps under "exclusions".
Bajabound.com, where many nomads buy Mex car insurance, explicity states the policies they sell do not cover drivers with Mexican driver licenses.
[Edited on 7-22-2021 by SFandH]
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mtgoat666
Select Nomad
Posts: 18434
Registered: 9-16-2006
Location: San Diego
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Mood: Hot n spicy
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Cops in Rosarito are crooked. You won’t get them to give back your car until you publicly shame them. Tell your story to the press, make the cops
uncomfortable. The only way to fight corruption is to shed light on it for all to see.
Woke!
“...ask not what your country can do for you – ask what you can do for your country.” “My fellow citizens of the world: ask not what America
will do for you, but what together we can do for the freedom of man.”
Prefered gender pronoun: the royal we
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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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Quote: Originally posted by Baja Vicki M
... I no longer carry American auto insurance of any type.
Perhaps this is part of the reason your recent accident claim was denied, as you seem to be saying the US plated vehicle had no US insurance ... which
is required.... ?
Don't believe everything you think....
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SFandH
Elite Nomad
Posts: 7084
Registered: 8-5-2011
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Her husband was driving, he's a "Mexican national". The policies bajabound.com sells don't cover drivers with Mexican driver licenses. It's explicitly
stated on their website. I doubt her policy does either.
https://www.bajabound.com/info/faq
look under situations not covered
[Edited on 7-22-2021 by SFandH]
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JZ
Select Nomad
Posts: 10645
Registered: 10-3-2003
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Quote: Originally posted by SFandH  | If you're saying you have a car registered in the states and insured by a Mexican company to be driven in Mexico, I'm pretty sure the insurance
doesn't apply if the car is driven by a Mexican citizen (your husband, you said he was a Mex national). I could be wrong, but I don't think so.
Take a look at the fine print in your policy, perhaps under "exclusions".
Bajabound.com, where many nomads buy Mex car insurance, explicity states the policies they sell do not cover drivers with Mexican driver licenses.
[Edited on 7-22-2021 by SFandH] |
I was denied for this years ago with insurance from another company.
I have had specufic conversations with Bajabound and they told me a MX driver is not an issue if I'm in the car.
Maybe Geoff can clarify.
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SFandH
Elite Nomad
Posts: 7084
Registered: 8-5-2011
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Well yeah, you just say you were driving.
Kidding, you could be correct.
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mtgoat666
Select Nomad
Posts: 18434
Registered: 9-16-2006
Location: San Diego
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Mood: Hot n spicy
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From Lewis website:
Q. Who can drive a tourist vehicle in Mexico?
A. Lewis and Lewis Tourist Mexican Auto Insurance Eligibility is captioned below:
Eligible people include:
Short-term visitors to Mexico.
Residents of Mexico who are not Mexican citizens. However, persons with a Residente Permanente permit are not eligible for this Mexican Tourist Auto
Insurance policy and must make an application for their Mexican Registered Vehicle Insurance on our https://mexicanautoinsurance.com/quote/mexican-registered-ve... webpage.
People who work in Mexico who are not Mexican citizens.
People who work in Mexico who are not Mexican citizens.
People who have non-immigrant visas or permits.
(*) Mexican citizens are eligible if:
You are a dual citizen who does not reside permanently in Mexico
You have a U.S. Green card and do not reside permanently in Mexico.
You are married to a non-Mexican citizen non-immigrant.
Woke!
“...ask not what your country can do for you – ask what you can do for your country.” “My fellow citizens of the world: ask not what America
will do for you, but what together we can do for the freedom of man.”
Prefered gender pronoun: the royal we
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SFandH
Elite Nomad
Posts: 7084
Registered: 8-5-2011
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It sorta makes sense. The Mex gov wants to stop Mexicans from driving cars registered in the US, so deny them the ability to obtain Mex insurance.
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mtgoat666
Select Nomad
Posts: 18434
Registered: 9-16-2006
Location: San Diego
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Mood: Hot n spicy
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| Quote: Originally posted by SFandH | | It sorta makes sense. The Mex gov wants to stop Mexicans from driving cars registered in the US, so deny them the ability to obtain Mex insurance.
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Does mex govt control eligibility requirements of insurance coverages?
I suspect that insurance companies issue policies/coverage that make business sense. Perhaps the insurers have reasons to not insure mex citizens
driving foreign-plated cars, eh?
Woke!
“...ask not what your country can do for you – ask what you can do for your country.” “My fellow citizens of the world: ask not what America
will do for you, but what together we can do for the freedom of man.”
Prefered gender pronoun: the royal we
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del mar
Banned
Posts: 1057
Registered: 7-23-2016
Location: the cantina of course
Member Is Offline
Mood: lil' fuzzy
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| Quote: Originally posted by SFandH | | It sorta makes sense. The Mex gov wants to stop Mexicans from driving cars registered in the US, so deny them the ability to obtain Mex insurance.
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lol...the bulk of mexicans put car insurance waaaay down on their list of necessities right below current registration. cops care about one thing
only, they want to see a drivers license!
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SFandH
Elite Nomad
Posts: 7084
Registered: 8-5-2011
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| Quote: Originally posted by del mar | | Quote: Originally posted by SFandH | | It sorta makes sense. The Mex gov wants to stop Mexicans from driving cars registered in the US, so deny them the ability to obtain Mex insurance.
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lol...the bulk of mexicans put car insurance waaaay down on their list of necessities right below current registration. cops care about one thing
only, they want to see a drivers license! |
That sorta depends upon the value of the car and how much money the owner has. I think the richer Mexicans who drive new cars and have assets that
they could lose carry insurance. I've heard that Mexicans who buy new cars have to show proof of insurance to register them. They're not all poor,
driving beaters.
All the car manufacturers have new car dealerships in TJ and I imagine other major Mex cities.
[Edited on 7-22-2021 by SFandH]
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del mar
Banned
Posts: 1057
Registered: 7-23-2016
Location: the cantina of course
Member Is Offline
Mood: lil' fuzzy
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| Quote: Originally posted by SFandH | | Quote: Originally posted by del mar | | Quote: Originally posted by SFandH | | It sorta makes sense. The Mex gov wants to stop Mexicans from driving cars registered in the US, so deny them the ability to obtain Mex insurance.
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lol...the bulk of mexicans put car insurance waaaay down on their list of necessities right below current registration. cops care about one thing
only, they want to see a drivers license! |
That sorta depends upon the value of the car and how much money the owner has. I think the richer Mexicans who drive new cars and have assets that
they could lose carry insurance. I've heard that Mexicans who buy new cars have to show proof of insurance to register them. They're not all poor,
driving beaters.
All the car manufacturers have new car dealerships in TJ and I imagine other major Mex cities.
[Edited on 7-22-2021 by SFandH] |
like I said, the bulk of mexicans.........
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AKgringo
Elite Nomad
Posts: 6035
Registered: 9-20-2014
Location: Anchorage, AK (no mas!)
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Mood: Retireded
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Kind of off topic, but does anyone know how the cost of insuring a Baja registered vehicle compares to the same coverage, for the same vehicle in the
US?
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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sancho
Ultra Nomad
Posts: 2524
Registered: 10-6-2004
Location: OC So Cal
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Once read, don't know how valid, is 5% of Mex Plated vehicles
are insured. The Mercedes in Mexico City, one could assume are
insured. I think Baja would be dreadfully low.
I believe the policies sold by US brokers are specifically
for tourists, not that one could not cover those facts up if
living SOB. I believe Bajabound on their application asks
something like how many days is the vehicle in Mex, or do
you reside in Mex. I believe it clearly states the policy does
not cover Mex Nationals
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vandy
Senior Nomad
Posts: 538
Registered: 10-10-2003
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It sounds like Goat's quote from Lewis & Lewis
"Mexican citizens are eligible if:...
You are married to a non-Mexican citizen non-immigrant."
might mean Vicki's husband should be covered.
Personally, I recommend dash-cams. Cheap and reliable these days.
In the case of a cop hitting my car, the SD card would be hidden quickly to keep from "losing" it.
I'll also plug the Bajabound insurance I've used for years.
I've never had to make a claim, but have heard good stories from people who have.
L&L? I saw some reviews and heard stories that didn't thrill me.
This may be another.
Bring t-boned by a cop, the vehicles disappearing and the forgery...what a nightmare!
The only recourse I can see is getting the state or federal investigators involved.
They don't like the local cops much.
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charliemanson
Nomad
Posts: 216
Registered: 5-11-2016
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We had our truck we brought down from the states, after importation as we don't want to be someone who is trying to cheat the system, and we were hit
by an uninsured worker with nothing and we were fully covered by L&L, (ran by Quantus) and never an issue. Truck repaired at Toyota the next week
and never paid a dime, peso.
Great service and when traveling in the US with Mex plates we are covered for less than 30% of US insurance.
Guess it all comes down to circumstances.
Sorry you are having difficulties as in our experiences we have never had an issue
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BajaNomad
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Thread Moved
7-22-2021 at 05:00 PM |
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