scubamex
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Re: FAQ Insurance for Mexico
Turtle Toad, Just noticed that you asked specifically about CARS - not RVs. Yes, I checked out National Interstate before, and they do offer the coverage for 'Companion Autos' if you ALSO insure your RV with National Interstate. The only problem was that the National Interstate policy for the RV was very expensive, so once I crunched the numbers, I found it more cost effective to insure my rig with Progressive, then just buy the Mexican 'full coverage' insurance through the Mexican insurance company. Adventure Mexican Insurance gave me the full scenario so I was able to crunch the numbers (they could give me a Progressive and National Interstate quote) Also, National Interstate does not seem to have as large a presence as Progressive (claims infrastructure) so I felt more comfortable with the Progressive policy. Unless your car is worth over $40K, the full coverage Mexican insurance (Mexican carrier) has decent coverage, reasonable deductibles, and decent rates. It's when you have an RV worth more than $50K that the Mexican insurance carrier programs start getting really expensive and the deductibles get ridiculously high. So our experiance was - get Progressive US RV insurance, and get full coverage Mexican insurance through the Mexican carrier. Call the guys at Adventure so they can run the numbers for your scenario.514Views0likes0CommentsRe: FAQ Insurance for Mexico
Yes, Progressive is one of the US companies who extends physical damage and theft into Mexico. There are a few Mexican insurance brokers who also sell the Progressive policy as well as National Interstate. As mentioned before in a post, Adventure Mexican Insurance 800-485-4075 is where we bought our insurance from, and they could provide us with BOTH the Progressive US policy AND the Mexico liability policy. We found it much easier to work with 1 broker who truly understood all of the Mexico insurance concepts. If you call Progressive directly, you end up speaking to someone who doesn't really know anything about Mexico (it is a call center in Ohio), and they can only tell you to go find a Mexican insurance broker who then can sell you the Mexican liability insurance. It cuts out alot of the trouble if you just get your Progressive policy and Mexican policy from the same broker - then you can make sure you are not missing anything514Views0likes0CommentsRe: FAQ Insurance for Mexico
There is some great information about Mexican insurance on this forum, but there a multitude of options on how to best insure your RV in Mexico. I highly recommend calling a Mexico insurance specialist to explain all of your options because RVs (especially when you are towing other vehicles) can be a bit complicated to insure. I have had very good experience with Adventure Mexican Insurance http://www.mexadventure.com 800-485-4075 They take time to explain all of your options, and the pros and cons to each type of insurance. There are a lot of options depending on what type of insurance you have in the US/Canada, the length of time you will be in Mexico, and if you plan on going to Mexico frequently. Option 1 - switch your US insurance carrier: If you plan on being in Mexico for more than 7 days, you should highly consider switching your US insurance to a US RV insurance company who extends physical damage and theft coverage into Mexico (there are about 3 US companies who offer this perk right now). This option can save you hunderds $, and can give you much better coverage. These companies cover all of Mexico, not just 25 miles across the border like some other US insurance companies. If you have this special US RV insurance, then you will only need to buy a Mexican liability insurance policy which is much less expensive than buying a full coverage RV insurance policy (plus you get lower deductibles and often get full replacement value through your US company - the Mexico insurance only offers depreciated values and usually has higher deductibles). NOTE: Canadians, sorry, this is not an option for you at this time. Option 2 - If you are Canadian or do not want to switch your current US insurance carrier: If you need to get your 'full coverage' insurance through a Mexican carrier, you should ask the following questions before your buy: 1: What are the deductibles? 2: Am I allowed to fix my vehicle in the US, and what is the hourly labor rate for repairs made in the US? (many companies make you fix your vehicle in Mexico - yipes!) 3: Is towing included? 4: Is legal assistance included? 5: Is Medical Evacuation and Plane Tickets home included? If so, for how many people? (We found that Adventure Mexican Insurance includes medical air ambulance and plane tickets back to your home if your vehicle is not drivable - this coverage is already included in their Mexican policy for up to 4 people in your tavel group) If you are towing another vehicle: Each self propelled vehicle will need its own individual Mexican insurance policy for while that vehicle is driving under its own power. So expect to buy 2 separate insurance policies (but you will also need to list the towed car as a towed unit on the RV policy). As you can see, this gets a little complicated, so I highly recommend speaking to a live human who can explain all of your options to you.514Views0likes0Comments
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