Mexican Auto Insurance Blog - Mexico Insurance

Mexican Insurance Online - Flu Concerns No Longer Top News!

Posted By Linden Gray - May 31, 2009 59

Many are calling the news medias recent reporting over the Swine Flu and the dangers of travel to Mexico over blown, but the damage has been done and many resorts and towns that rely on tourism from around the world are scrambling to un-do the damage. What started as a major cause of alarm worldwide in late April now, as of late May, seems to have been downgraded to a message of use common sense. Thats good news for people who planned to travel to Mexico this summer, even though the World Health Organization has said travel should be limited to essential travel only. To date there have been no reported cases in Cancun or the Riviera Maya or in any tourist destination in the entire state of Quintana Roos. Destinations closer to the U.S. have experienced scattered cases of the virus, but no major concentrations in any one city or state. The good news side of the flu scare is that travel to Mexico, which has always been one of the most affordable options for American tourists wanting to experience a different country, may now be more affordable than ever, with the effects of the flu scare possibly causing lasting discounts for many months to come. Tourists must certainly exercise good judgment and caution when planning any travel, but the pandemic that we were being warned about just a few weeks ago seems to have been extremely over-stated. Whether you are traveling from Canada, California, New Mexico, Arizona or Texas, another common sense measure is to remember to buy Mexican Insurance Online before you leave for Mexico! For more information visit : Mexico Insurance Reviews or Mexican Auto Insurance Online Comparison

Mexican Auto Insurance - Mexican Car Permits Required for Travel in Mexico!

Posted By Linden Gray - May 30, 2009 60

Seeing Mexico by car is one of the best ways to experience the culture and richness of the country. But if you plan to journey more than a few miles into the country or beyond the border zone, you will need a Mexico car permit. The border zone is typically 20 kilometers inside the border, and cars can travel without a permit in the free trade zones within all of the Baja California Peninsula and the Sonora Free Trade Zone. However, since it can be easy to get lost in Mexico, and since you don’t want to be caught outside of the free trade or border zones without a permit, the peace of mind you get by obtaining a Mexican car permit is well worth the $29.70 (as of December 08) that it costs for the paperwork. Tourists traveling into Mexico by car will need to show proof of ownership, including the automobiles registration and the title to the car. The name on the title will need to match the name of the travelers, and a valid drivers license in the same name, issued outside of Mexico, is also needed. All permits must be cancelled when you leave Mexico, so be prepared to surrender the permit when you re-enter the United States. If you forget to cancel the permit, you may encounter trouble the next time you try to drive into Mexico. Also keep in mind that US and Canadian Auto Insurance is invalid and unrecognized in Mexico and because Mexico follows Napoleonic Law, you could be held until the damages you do to others are compensated. Visit Mexican Automobile Insurance or Mexican Insurance Online for more information. Inspection of your vehicle may be required for entering the country. Most border locations have a traffic light system. If the light is green, you can proceed without an inspection. If the light is red, you will need to have your car inspected prior to entering Mexico. Officials can also decide to inspect your vehicle at will. Keep in mind that you are able to travel to Mexico with items for your personal use only. Keep possessions to a minimum to avoid paying taxes on extravagances at the border. The basic necessities for travel, suitcase with clothing, toiletries, cameras, film and computers can be taken across the border, as can a limited number of sporting goods and even alcohol for personal use. Any additional vehicles, including boats, dune buggies or ATVS will need car permits, as well. Before traveling to Mexico, be sure to familiarize yourself with the rules and regulations of the country and what you need to know when driving there. Be advised that guns and weapons of any type are not allowed across the border. Accidentally leaving a weapon in the car and having it discovered at the border could lead to a side trip to a Mexican prison, so make sure you are well aware of everything in your car before you make the trip.

Mexican Insurance - A Reason to Drive: Fabulous Places Off the Beaten Path!

Posted By Linden Gray - May 14, 2009 58

One of the best reasons to take a driving trip to Mexico is to experience the culture in a non-touristy way. When you get off the beaten path, you often find fabulous out of the way locales that the tourist brochures would never tell you about. For example, have you ever thought about visiting a Mexican spa? Before you stick up your nose, check out these two spas Villa Bejar Spa on Lake Tesquisquitengo in Morales, Mexico and Rio Caliente Spa near Guadalajara. Located an easy 90 minute drive from Mexico City is Villa Bejar Hotel and Spa. The spa features deluxe lakeside accommodations on Lake Tesquisquitengo that rival any spa in the U.S. at significantly reduced prices. In fact, to encourage travelers from the U.S., the spa has discounted its regular prices by 15% until further notice. From a traditional massage or facial to a delectable chocolate or herb wrap, youll be amazed by the variety of enjoyable treatments at Villa Bejar Spa. For more information, visit villabejar dot com dot mx Rio Caliente Hot Springs and Spa is located inside a State Forest in one of the safest parts of Mexico and features natural hot springs heated by an underground volcanic lake. Visitors to the spa appreciate the variety of treatments available in five, seven and ten night packages. Services are also available ala carte for those who drive in to the spa for the day. Visit riocaliente dot com dot mex for more information on Mexican spa vacations. Remember to Purchase Mexican Insurance when you drive in Mexico. For information visit Mexico Insurance Info or Mexican Insurance Coverage

!Mexico Insurance - Are you ready for the Mexican Driving Experience?

Posted By Linden Gray - May 12, 2009 57

Driving in Mexico is an experience very few have trained for. American drivers quickly learn that Mexico gives the term defensive driving a whole new meaning. Although the same basic traffic rules apply (you drive on the right hand side of the road and are required to obey speed limit and traffic signs), adherence to the rules varies. Experienced Mexico drivers can tell you that the main rule you need to keep in mind is: Watch out for other drivers and obstacles in the roads. Tip Number One: Be ready for hazardous driving conditions. Potholes are the norm in Mexico, and a lack of road crews means it is not at all uncommon to encounter a road full of large ruts and holes. Slowing down is the only way to navigate these roadways, but knowing you may encounter them is your basic preparation. You will not find signs in Mexico alerting you to Uneven Pavement, Bumps, or other impediments. These tips are brought to you by Mexican Insurance Store, the number One source for quality Mexican Insurance protection. Tip Number Two: Be prepared to pay tolls. Mexico is filled with toll roads, which does not guarantee a smooth ride. Although toll roads may be in better shape than country roads, just because you’re on a toll road doesn’t mean you won’t encounter obstacles. Tip Number Three: Watch for animals. In America you might be concerned about deer at night on a lonely country road. In Mexico, you could encounter cows (even entire herds), donkeys, sheep, and other animals both day and night. Be prepared for anything. Tip Number Four: Make sure you have Mexican Car insurance. If you have an accident in Mexico, you will need Mexican insurance. American and Canadian Auto insurance policies do not cover driving in Mexico, although some policies may cover physical damage to your vehicle within a few miles of the border, you have no liability protection and this will mean jail if you can not pay for the damages the authorities decide you have done to others. Mexican authorities require Mexican insurance for damages you do to others no matter what your American or Canadian policy says, so its better to be safe than sorry and to purchase insurance for Mexico on the internet before you cross the border. Tip Number Five: Avoid driving at night. There are several reasons for this. First, if you don’t know where you’re going, its going to be even harder to find it at night. Second, not everyone in Mexico has lights on their vehicle. Third, herds of livestock are more likely to be crossing the road at night than during the day, and at night, you may not see them until it’s too late because many highways and secondary roads have no fencing.

!Mexican Insurance - Is It Safe To Travel To Mexico?

Posted By Linden Gray - May 4, 2009 56

Planning for a vacation involves more than simply picking an ad hoc destination and booking airfare. In today's rough economic climate, getting the most for your vacation dollars is essential, and that includes choosing destinations where the dollar is strong, the locals are friendly, and a worry-free break from reality is almost guaranteed. With these vacation must-haves in mind, one may ask Is it safe to travel to Mexico?. Travelers rarely plan vacations to spots where danger awaits, and with the Mexican drug cartel in the news lately for their rough behavior near the US-Mexican border considering a trip to Mexico may have some reconsidering. The truth of the matter is, however, that in a country the size of Mexico should not be avoided simply because a select few are causing problems. Imagine what would happen if people avoid Ontario (one of the safest places in Canada) simply because of the news they hear about Saskatchewan (the province with the highest occurrences of crime). The reality of traveling to Mexico is that it is still one of the best countries in the world to visit and the incidents occurring along the border will mostly likely have no effect on your travel safety. There are a few travel rules to keep in mind when visiting Mexico, and especially when driving in Mexico to ensure a safe trip. The following list will help you to avoid most bad situations no matter your destination. 1. Do your homework and research the destinations, attractions, and safety of the areas you will visit. Whether you are looking for adventure or a tranquil beach there is a spot in Mexico that will serve your needs. However, you are still responsible to make sure in advance that the destination protects its visitor's safety and has low incidents of crime. 2. The Mexican government does not honor foreign auto policies so if you are considering driving in Mexico, you must obtain Mexican auto insurance. The cost of insurance is minimal when you consider that if you are in an auto accident in Mexico and are driving without Mexican Auto Insurance , you will be jailed until verification that payment for the accident and all related costs can be made. Related costs could include compensation for the people involved in the accident as well as the support of their families while they are recuperating. Mexican Car Insurance through companies authorized to sell policies is essential. 3. Leave your valuables at home. This rule is often missed by those traveling to most worldwide destination, not only Mexico. In general remember that If you don't need it, leave it. 4. Scan and email your travel documents (passport, hotel information, etc) so that you can access the copies in case your originals are lost or stolen. 5. Have access to your bank and credit cards toll free numbers. You can easily send these to yourself via email as well. 6. Take minimal amounts of money with you at all times, and use credit cards to make most purchases. Mexican vendor are well equipped to help you charge it. 7. When driving in Mexico, go down established routes of travel and travel during daylight hours whenever possible. Nighttime travel could be dangerous in some parts not only due to criminals, but also the abundance of livestock that can be found in rural areas.

Keep in mind that tourists worldwide are often considered easy targets by criminals. Protect yourself by using the above travel tips and common sense to ensure your Mexican vacation starts and finishes safely.

!Mexican Insurance - Car Insurance Coverage Differences in Canada and Mexico!

Posted By Linden Gray - April 22, 2009 55

Mexico law does not accept Canadian (or any other foreign country) car insurance policies. So if you choose to drive South of the Border without obtaining a Mexican Insurance policy and are then involved in an at-fault car accident, you run the risk of being detained (jail) until you provide proof you can cover the accidents debt. This debt runs deeper than the people and vehicles involved in the accident, you may also have to help cover the livelihood of the families of those injured as well.

In both Canada and Mexico, car insurance rates and base services provided depend on the policy chosen. In Canada, the mandatory minimum liability insurance coverage is usually $200,000 in all provinces except Quebec where the minimum liability requirement is $50,000. In Mexico, there is no set minimum in liability coverage, however, most reputable Mexican auto insurance companies start vehicle liability coverage at $50,000 and since its not expensive to increase it, most people buy a minimum of $100,000. This coverage would provide payment in the event you are found at-fault for third party vehicle damage and / or injury to others.

In addition to paying for the other party's damages, if you select the minimum liability insurance, you should also negotiate Mexico Insurance coverage that provides:

- Legal Assistance including Bail Bond - Roadside Assistance - Coverage in all Mexican territories - Medical evacuation if needed

Also make sure your coverage provider details specific pay out amounts and the limitations of the policy. If you are unsure about the amount of coverage, ask. Liability coverage may be enough if you have readily available funds elsewhere to cover the difference between the accident cost and the amount the Mexican Insurance coverage will pay. Full coverage is usually the best option for newer vehicles. Make sure your full coverage Mexican insurance policy includes coverage for:

- physical damage to all vehicles involved. - repair amounts (in the U.S. and Mexico) that are based on adequate labor rates. - total theft coverage as well as car rental in the event your vehicle is stolen. - medical payments for yourself and your passengers. - additional medical payments for accidents caused by uninsured motorists.

Accidents involving liability coverage that occur in Mexico bear no effect on your Canadian policy. Your Canadian liability auto rates will remain the same, and your Canadian driving record will not note the accident.

It is essential that you understand that in the event you are deemed responsible for the accident and the damages incurred (to vehicles or individuals) exceed the amount of your coverage, you will be personally liable for the overage amounts. This caveat holds true in both Canada and Mexico. In Canada, if you are found liable through the court systems arrangements such as garnishments, asset repossession, and liens may be put into place to secure the overage. In Mexico, however, you are responsible for showing that the overage can be covered, and are detained by Mexican authorities until this proof is provided. In the event the costs exceed the amount of your assets, your detainment can persist. (jail)

Before planning your next trip to Mexico, carefully compare the services provided by your Canadian car insurance to the Mexico Insurance policy you are looking to purchase. There's nothing worse than finding out too late that the normal coverage in your Canadian policy is actually extended coverage that needed to be added separately when you purchased Mexico insurance.

New Claims Service Guarantee from Mexican Insurance Store!

For Immediate Release: April 13, 2009 54

Mexican Insurance Store Partners with ACE Insurance Group to Provide Guaranteed Protection to Drivers in Mexico

Mexican Insurance Store, a leading provider of online Mexican auto insurance policy comparisons, recently announced the offering of a new service claims guarantee. The service guarantee, backed by ACE Insurance Group, provides assurances to consumers regarding car insurance claims handling, legal, roadside, and medical assistance during and after auto incidents that occur in Mexico.

Reserved for vehicles that are less than three tons and fifteen years of age, the service claims guarantee holds ACE Insurance Group accountable for providing premium service at every step of the insurance claims process. From follow up calls that are guaranteed to be made every 30 minutes until assistance has arrived to the incident site to weekly status updates made until the case has been completed, ACE provides money-back guarantees on the service provided to its policy holders.

According to Linden Gray, founder of the Mexican Insurance Store, One of the most dangerous adventures you can take while in Mexico is finding out too late that your Mexican auto insurance provider doesnt respond quickly or professionally handle your accident. The ACE policies guarantees they will do both.

The ACE Group service claims guarantee is made in addition to standard policy coverage. Medical expenses, legal representation, and property damage while driving in Mexico and can be customized according to each policy holders needs.

Online quotes and purchases of the ACE Insurance Group service claims guarantee can be made directly at the Mexican Insurance Store where customers can purchase and compare Mexican auto insurance policies.

About Mexican Insurance Store

With over 32 years experience, Mexican Insurance Store provides free Mexican auto insurance quotes, Mexican auto policy comparisons, and information travelers need when driving in Mexico. Visit them online at http://mexicaninsurancestore.com.

About ACE Insurance Group

ACE Group is a Global insurance company with $54 Billion in assets and is Rated A+ by AMBEST.com. and Standard and Poors. ACE polices are accepted and recognized by Mexican authorities.

Mexican Auto Insurance For Canadian Drivers?

Posted by Linden Gray - April 11, 2009

So why is Mexican Auto Insurance so vital for people traveling to Mexico? The trouble is, even with a legitimate U.S. or Canadian auto ins policy, no matter how comprehensive your coverage is, it doesnt cover your liability in Mexico for the people or property outside your motor vehicle. This explains why is it vital to purchase a Policy from an officially licensed company with permission to conduct business in Mexico. Basic common sense would dictate you purchase Mexican Insurance prior to entering the country, because you will have a better understanding about what you are getting and just as importantly, you can see what you are NOT getting.

For example, there are insurers at the border who sell annual insurance policies. What they may not tell you is that the policy has a provision which states that if you are in Mexico for more than 90 days within that annual period, the policy is void.

Despite the fact that Mexican car insurance can be secured by vendors near the border, buying your insurance online and ahead of time can avoid unnecessary complications. You should ask yourself;

If I drive up to a booth with a nice vehicle, they will know I'm a captive buyer. Will the salesman increase the cost or adjust the fee based on what they think I can afford to pay?

Do I have the proper coverage for my specific vehicle?

Understanding Mexico Auto Insurance is a-la-carte, what do I need?

Understanding MX Ins is a-la-carte, what is covered?

What is the worst actual exposure in Mexico?

Does my policy cover the area I plan to travel in?

Am I getting good economic value for my money?

Why do some policies add taxes and high fees and others do not?

Purchasing Mexico Auto Insurance Online is easily the fastest, most reliable, convenient option. WebSites with various policy choices and sites that allow comparing and customization of quotes are usually the safest, most affordable bet.

Canada to Mexico without Mexican Insurance? Not A Good Idea!

Posted by Linden Gray - April 7, 2009 51

Many Canadians don't find out until it's too late that Mexico does not accept foreign vehicle insurance policies. While your coverage in Canada may provide full coverage for all vehicles and persons involved in an auto accident, Canadian car insurance policies are invalid in Mexico. At the scene of an accident police will detain both you and your vehicle until fault can be established. Under Mexico's Napoleonic system you are guilty until proven innocent, not vice versa. If you are found at fault and injuries have been sustained, you are then responsible for not only medical expenses but also providing financial support for the individual and their families you have injured until they recover. This is why you must purchase a Mexican insurance policy from a company authorized to do business in Mexico.

Canadians driving to Mexico should choose their MX insurer and policy in advance to garner the best rates and service. Various vendors near and across the border will provide coverage, however, it becomes very difficult to verify whether or not the company providing the policy is approved, able to pay claims and has a good claims paying reputation. It's also difficult to figure out if needed coverage is included, and what would be a fair price for the policy and fees?

How To Find The Best Mexican Insurance for Canadians driving to Mexico

Online shopping for Mexican Insurance for Canadians is the fastest and easiest way to find Mexico insurance. Mexican auto insurance websites with verifiable references, more than one policy offered, and the ability for you to compare and customize quotes is essential. Also, only use companies that have customer service numbers with reps you can contact directly if/when questions arise. Call and use your gut as to whether or not the online company is one you would trust if an accident occurs while you are in Mexico.

What to Look For In a Mexican Insurance Plan

Similar to Canadian law, liability coverage is the minimum insurance required by Mexican law. However, liability coverage will only suffice during minor traffic incidents, not accidents. Depending on the severity, location, and/or length of the investigation by authorities, liability coverage alone will probably not be enough. When shopping for a plan, look for one that minimally offers

- Third Party (Civil) Liability - Medical Expenses for Driver and Occupants - Medical and Travel Assistance - Physical Damage and Total Theft of Vehicle - Legal Assistance and Bail Bond - Approved Claim Adjusters located in Mexico - Roadside Assistance - Partial Theft and Vandalism - Urgent Message Services

Additional policy considerations you may want to be certain to check include:

- the maximum number of passengers covered in an accident - the monetary limits each service covered by the policy - location exclusion that may apply (Please note that all areas in Mexico may not be covered by your policy. If your plan is to travel to these areas, extended coverage may be needed).

For short trips into Mexico, most Mex insurers will present you with policies that cover daily, monthly, or annual coverage times. Before making a purchase, make sure that your entire stay will be covered by the policy you choose. In most cases, the longer the coverage period, the cheaper the overall policy will be.

Proof of a Mexican Insurance Policy

Similar to the proof of insurance required in Canada, you should receive valid proof in the following form from your MX provider:

- an authentic and recognized policy - instructions on what to do during and after an accident - a detailed list of contact phone numbers (look for 24 hour availability) - proof of payment through a premium payment receipt

Keep these items as well as your drivers license with you at all times while traveling in Mexico. Driving from Canada to Mexico without Mex Ins? Don't!

Mexican Insurance For US And Canadian Travelers!

Linden Gray - March 18, 2009 50

Mexico consistently ranks amongst the top ten destinations for travelers. Its tropical resorts and mountain retreats offer a range of activities from shopping to adventure sports. It also creates the right circumstances for accidents and injuries.

The State Department, which is the lead US foreign affairs agency, says that many American tourists think that the security and safety standards in Mexico are about the same as they are in the United States. Unfortunately, this isn't true. These assumptions have led both to serious injuries and death to innocent vacationers. Compounded by differences in Mexican law, auto accidents and medical emergencies can become a costly and bureaucratic nightmare.

As a result, the Department of State urges citizens to take responsibility for their own safety, and to also ensure that they have adequate auto and medical insurance.

Driving Laws: Mexicos law is based on Napoleonic Code where guilt is assumed over innocence. As a result, all drivers must have a Mexican Insurance policy from a company authorized by the insurance authorities to cover damages or injuries.

Within Mexico, your American or Canadian ins policy is not valid. This includes most collision and comprehensive coverage usually covered within U.S. policies. In addition to the required Mexico Auto Insurance, motorists should also purchase a plan that covers legal aid and bond expenses. It is considered a felony to have a traffic accident. While the police are investigating who caused the accident, your vehicle may be impounded and you will be detained by Mexican authorities.

The Department of State further warns U.S. travelers that they can be prevented from leaving the country even if life-saving medical care is required. Medical Assistance Services Mexicos national health-care system is free to its citizens. However, as a visitor, you are not entitled to this service. As a tourist, you can only receive medical treatment and medications from private clinics and hospitals. Therefore, you should check with your medical insurance company to confirm that your policy will cover air and land evacuation home as well as other medical expenses.

The majority of medical assistance plans only take care of certain portions of the cost as it applies to location or the source of injury. As for people with Medicare, the fees required at a hospital or another medical care facility beyond the U.S. are ineligible. It is vital to pay attention to various exclusions within many MX and US medical ins policies. Mex Automobile Ins should be accompanied by an emergency medical assistance clause, as very few health US plans allow or cover international medical evacuation.

How Should You Select a Plan? Do your homework online using the keywords, Mexican auto insurance. Try to find a legitimite plan that is affordable. In addition, you can use the information provided herein. Third Party (Civil) Liability with Adequate Limits (CSL or Split) Driver and Passenger Medical Expenses Coverage Emergency Medical Cover (Land & Air Evacuation) Physical Damage and Theft of Vehicle Legal Assistance and Bail Bond Costs Roadside Support and Rental Car Partial Theft and Vandalism with Repairs OK in MX or US One final thing to make note of is that you plan should cover you during your entire stay. Most plans have choices between daily, six-month, and annual policy coverage. After three weeks, it may be less expensive to purchase an annual or six month policy period.

Get Instant Mexican Insurance Online. Mex Ins For US And Canadian Travelers: Get Out of Jail Nearly FREE Card! Mexico motorcycle insurance and Mexican motorcycle insurance.

Mexican Auto Insurance Adventure - A True Story!

Linden Gray - March 12, 2009 35

He was not traveling for his first time when he got into an accident near San Vincente while driving his friend's truck. He was at the wheel because road conditions were deteriorating due to an incoming storm, which really left him at the mercy of his friend's MX ins holder. The driver and his friend were traveling at a cautious 30 MPH hour when they rounded a corner to find a Mex military truck hurtling towards them partly on their side of the road. Unable to avoid the crash, the two vehicles impacted head-on left, sending the army soldiers scattered down an embankment and he and his friend into the cliff wall on the opposite side. Within minutes, the Mexican police arrive and one speeds an injured Bill away to a location unknown to him or his companion who is left standing roadside. In Mexico, there is no innocent until proven guilty, exactly the opposite.

The driver quickly finds himself in a detention cell without any contact and without any knowledge of his fate, in part because at this point he has no way of knowing whether his friend even carried Mexican auto insurance. Hours later, guards return to take him back to the accident scene where he is at least able to reunite with his friend and his friend's Mexican Car Insurance policy. In the U.S., this might mean problem solved, but South of the Border there is much more to go through.

The complete story is long and involved-and not a little discomforting. Mr. K spends a week alone in a Mexican hospital trying his hardest to stay injured enough to avoid the inside of a Mexican jail; he's at the mercy of the local government, questionable legal representatives, and muddled technology that makes what amounts to paying his way out an act in futility. There were many times when he was unsure if he would ever get out of the mess-if he could afford to get out of the mess.

In the end, Mr. K does gain his tenuous freedom, only after spending more than $28,000 US. Luckily for him, he was able to secure the money to secure his freedom, but many other Americans would have fallen far short. Because of the bureaucracy and dishonesty he encountered, he is unsure if he will ever see a return on his life's investment.

Mr. K took away a few things from his experience that he strives to pass on to all Americans traveling around MX.

Carry a cell or satellite phone-and learn how to dial it

Remain in contact with family in the states that can help you secure funds if needed and contact Mex Insurers as needed (because your ability will be limited)

And above all else-

MAKE SURE YOU HAVE very good coverage to cover personal injury and property damage

Make sure the Mexican car insurance is from a reputable company

Make sure you carry proof of Mexican Insurance in the vehicle, accessible at all times! (And if you are separated from the vehicle, take the Mexican car insurance ID cards with you!)

Mr. K's long and trying ordeal proved one thing to him-money makes the Mexican world go round. Down there, they care little about where that money comes from, but whether you can pay the tab or not is what determines your innocence and ultimate freedom. Since fast access to $30,000 or better is a pipe-dream for most of us, the best way to protect yourself when driving is to have an excellent policy to back you.