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Mexican Insurance Insider July 2009 Newsletter!

Mexico is the ideal place to experience a family vacation. From fun aquatic activities to educational museums, children visiting Mexico will have a great time. While parents have their own itineraries planned, anticipating the needs of their children may help ease vacation worries.

Traveling with Children travel tips ideas are compiled by Mexican Insurance Reviews, your best source of quality Mexican Car Insurance. For more information about Mexico Insurance visit Mexico Car Insurance Comparison.

Beforehand, call your hotel to see if there are any children's programs available. Likewise, if you and your spouse would like an evening out, inquire if your hotel has in-room babysitting or a centralized, designated childcare area. Daytime programs are usually centralized locations while nighttime childcare is usually in-room.

If your child has never had a sitter before or been cared for by a stranger, it may be wise to acquaint him/her to the process before the vacation starts.

This way, there will be no added anxieties for parents or children when the time comes to temporarily separate. Getting your child to eat can be a complicated situation, especially when in a foreign country. If not familiar with traditional, Mexican food, trying it for the first time can be intimidating. Some of the spices and peppers used may not agree with a child's sensitive stomach.

As an alternative, bring ready to eat foods like canned fruit, preserved meats and packaged snacks for instant meals. As an alternative, many chain hotels or restaurants in tourists areas serve familiar "American" foods: burgers, pizza and chicken. You may want to enjoy authentic Mexican food with your spouse and more familiar foods with your children.

In case of emergency, always bring your pediatrician's phone number with you. Keep a current list of any medications your child may be taking in addition to known allergies. This will help expedite the process should your child become ill or accidentally injured during your Mexican vacation.

By planning ahead of time and knowing your child's likes and dislikes, your Mexican vacation should be an enjoyable experience for the entire family.

Visit Mexico Car Insurance Info or Mexican Car Insurance for Rocky Point for more information.

Feature Article

Driving to Mexico? - Problems Experienced by Mexico Motorists.

Mexican Insurance Store has issued a report on the top legal and insurance related problems experienced while driving on vacation in Mexico. Unlike the law in the U.S., in Mexico the assumption of guilt prevails over the assumption of innocence. The penalties for not having insurance while traveling in Mexico can be severe.

Common Mexican Auto Insurance Problems:

1. Not Having Valid Auto Insurance.

U.S. and Canadian auto insurance is NOT recognized in Mexico. Vacationers that don''''t have auto insurance in Mexico and have an accident may spend many hours or days in jail and have their vehicle confiscated.

2. Not Having Comprehensive Emergency Medical Assistance

Mexico can be a dangerous place to be without adequate emergency medical services. Most U.S. health insurance is not valid in Mexico.

3. Emergency Medical & Travel Assistance with a monetary limit

This is another area where the fine print can not be overlooked. Evacuation by air or land can be expensive and is not included in many policies. Costs can reach $100,000 per patient.

4. Not Having Assistance Services for Friends and Family

Don''''t forget to get coverage for your traveling companions. Ask whether there are restrictions.

All Auto Insurance Plans should include:

* Emergency Medical Assistance.

* Roadside Assistance

* A minimum US $20,000 in Legal Assistance & Bail Bond.

Policy Watch - Mexican Automobile Insurance- Liability Limits

How to Choose the Best Mexico Liability Limits !

Even among experienced insurance personnel I find confusion reigns on the definition and application of the two types of Liability Limits. I see agents warning buyers to Beware of Split Limits!, as if you and I might need to wash our hands after purchase.

In reality, this fear tactic is unfounded, as either CSL or Split Limits may be the best choice, because it all depends on the actual amount of the limits, not simply how they are applied in a covered loss.

Combined Single Limits CSL Limits of $50,000 or $100,000 apply to either Bodily Injury OR Property Damage. In other words, the maximum the insurance company will pay for covered damages that have been deemed to have been caused by you your fault is $50,000 or $100,000. The loss can be all Bodily Injury or all Property Damage or any combination of the two, but the maximum amount covered is $50,000 or $100,000 depending on the amount of coverage you purchase.

Split Limits such as $100,000 bodily injury per person/$300,000 bodily injury per accident/$100,000 property damage means that the insurance company is obligated to pay up to $300,000 in bodily injury claims depending on how many persons are injured & the extent of their injuries AND up to $100,000 in property damage claims.

So Insider fans, hypothetically, which would you rather have,

A. $50k CSL or B. Split Limits of $50k per person/$50k per accident/$50k Property Damage? My preference at the bottom

TIP: We recommend a minimum limit of $50,000 Property Damage in case you knock heads with someone elses brand new SUV.

Customer Corner

The # 1 Reason Why It's Better To Cross the Border and Forget About Mexican Auto Insurance Is Because.... you already have it!

We asked one client what he thought of buying insurance at one of the booths along the border. This was his reply:

Most people plan their vacation, then forget all about insurance until they cross the border... then they proceed to buy insurance at the nearest seller. This is the equivalent of buying your groceries at a convenience store: no matter how well you shop, you''''re going to pay too much, and your options will be limited, too. You don''''t even have the option of reviewing those insurers that vend at the border, and who knows how strong their grasp of the english language is going to be. Its better to buy it before you leave. Current Client Copied with permission

We couldn't have said it better !

Preference: B because I would have $50K BI AND $50K PD, a maximum of $100,000 protecting against loss versus $50k to protect against all potential loss in A.

Visit Mexico Car Insurance Info or Mexican Car Insurance for Rocky Point for more information.

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