Mexican Insurance How Much $$

Tequila wrote:

moisheh wrote:
Almot: There are many posts on these forums from travelers who had a problem with the Mexican adjuster. I have seen them in action. I swear they get a bonus if the claim can be either denied or downgraded. In every case intervention from the broker solved the problem. Try that with direct buying.

Moisheh

Good point. Vagabundos had to intervene for our spring wagon master after he had an accident and problems dealing with the adjuster.

There are a couple of things that come to mind when I hear these stories.

One is that if you are through a broker the adjuster may not see you as their customer. Whereas if you had a direct policy they may be more accommodating. Many millions of Mexicans are having insurance claims every year and I am sure they are not all being cheated by adjusters.

Secondly I often wonder how many of those that are having these problems actually speak and read Spanish and have a feeling for the cultural niceties of how to deal with business matters.

In some of these cases a broker is probably worth the extra money. I am not Anti-Broker. But my long experience of living and working and doing business overseas tells me that I will always be able to live cheaper and have better service and understand much more by dealing directly with local companies. I have also learned that there is a built-in protection system for businesses that act as Fixers, brokers and such and a lot of misinformation gets thrown around.

What the true facts are regarding the broker issue I do not know yet. But I do know how to find out.