Get in an accident? Here’s how to file a Mexican insurance policy claim.

Mexican insurance,Mexican auto insurance,Mexico insurance

You’ve had an accident or collision. Now what?

How to best handle a collision and let your Mexico insurance policy help you.

Mexico insurance policyStory by Jim Foreman

“Everybody thinks they have great coverage until they file a claim.” –Anonymous

You are driving along in town on your way to the market. As you are stopped at a red light, a car slams into your rear bumper because the driver was texting instead of paying attention to the road.
What you do next will have a significant impact on how your day is going to go.

If your first reaction is to call 066 or 911 to summon the authorities, wrong move. Your first call should be to your insurance company to report the accident. From my experience, once you file the claim an adjustor shows up to confirm the details of the wreck. Before you embark on your journey, jot down the claim number in case your smartphone fails. If you don’t have insurance, you’d better consider getting an insurance quote before traveling.

Pro Tip: Mexican auto insurance gives you toll road access!

Mexico has a different legal system than the USA or Canada. Unless you have a video DVR that can prove your innocence, you are likely going to be deemed at fault.

Fortunately, unless you bought your Mexico insurance policy through your home (US or Canadian) provider, all claim and incident details will remain in Mexico and will not result in a rate increase back home. If you did buy your coverage from your home auto insurance provider, you will likely see a rate increase, as it will be reported back to them.

Why will you be considered ‘At-Fault’? You ask. There are a couple of factors at play that you need to be aware of. The first is that, no matter what your financial situation, being a Gringo, you are automatically considered rich. Next, unless you or a passenger has a good command of Spanish, it may be the other person’s story of how you backed into her that is used to determine the fault.

Discover the 15 Biggest Rookie Mistakes Travelers Make in Mexico

Now if you wisely called your Mexico provider, an adjuster will arrive on site. About 95% of any hassle disappears immediately. They will listen to what you have to say and work with the authorities to get your side of the story, front, and center. Additionally, they will confirm to the authorities that you have an active policy and do not need to be placed in jail until you make full restitution.

THROWN IN JAIL??? WHAT? Yes, in Mexico if you are involved in a collision and deemed at fault, you will be forced to make immediate restitution based on an amount estimated by the authorities. If you do not have up to $300,000USD in cash with you, you will be jailed until you or your family pays the restitution to the assigned victim. Think of this when some idiot tries to say you don’t need a Mexico insurance policy.

If you disagree with the officer’s verdict, you will be placed in jail pending a hearing before a judge within about 24 hours. You will be able to plead your case and see if the verdict changes. Usually not. With the adjuster on-site, you will be given automatic bail to not have to go to jail, and you will have an advocate on your side trying to look out for your and ultimately the company’s interests.

Starting The Right Way

First things first, you have to buy a quality policy that will actually cover you in the event of a collision or damage to your vehicle. Not all providers are the same. If you are shopping for the cheapest coverage, you will inevitably get what you pay for. 

Chubb A++ CoverageWhen purchasing your coverage, a reputable broker will never offer or sell these near-worthless policies. Stick with a policy from Chubb, Mapfre, or HDI. Between them, it’s this writer’s opinion that Chubb is best and offers more useful benefits.

Buying a Mexico insurance policy

When entering the details for your quote and ultimately your coverage, be entirely truthful. Indicate any lienholder, and make sure to accurately indicate if you have domestic insurance at home. Yes, it matters.

Next, use KBB or NADA Guides to determine the value of your car, truck, RV, or motorcycle. Whatever the highest retail amount is listed, that’s what you should enter as the value for your vehicle. This is the same scale that the insurer will use to determine the value of your vehicle if it needs to be totaled.

Take your time

Look carefully at all the policy offerings. Unless you are staying in Mexico for an extended period such as winter or have a second home there, you will probably want to repair your vehicle back in the United States. Compare the towing coverage, and most importantly, the labor rate limits. Each program is different.  This can mean a considerable difference in possible out-of-pocket expenses.

Once you’ve determined the level of Mexico insurance coverage you are comfortable with, purchase the policy. When you do, print out two copies and save the .pdf file on your phone (iBooks or Documents Folder), and to open it you can use software like Soda PDF which is great for this. One hard copy should be kept in your glove compartment, the other should be held with you, probably folded in your luggage or with other important papers.

As mentioned earlier, enter the phone number to file a claim in your phone address book along with the policy number in the ‘notes’ section.

How to dial in Mexico

How to dial in Mexico

Dialing a number is a little different in Mexico so make sure you are familiar with this process. Try to call the number to report a claim, when you are in Mexico. It’s best to know you have it correctly when you’re calm and relaxed rather than when you’re in the middle of a crash scene and nervous.

Few people think of these things until they are in the middle of a difficult situation. Hopefully, you will never need to use the insurance, but if you do, your use of it will be a huge factor in the ease or frustration in getting help.

After the Incident

After the adjuster confirms to the authorities you have proper insurance and the scene is cleared, you have the option to take your vehicle to a nearby repair facility, or to take your vehicle back to the United States. Your decision may be based on how far south you are.

$1000 USD tow coverage will pay to have your vehicle towed to the border from as far south as Mexico City or Guadalajara. It won’t be immediate, but it will eventually get there. There are many highly reputable body shops South of the Border. If you are near a big or capital city, consider using your policy to have your vehicle repaired there. If you are driving a unique vehicle, parts will take much longer to get. It may be best to transport it back to the states. This is something you can work out calmly with your insurance company.

If you elect to have the vehicle worked on in the USA, Chubb can handle the claim from Mexico, or you can opt for a Third Party Administrator (TPA) in the USA to finalize the claim and payouts. Be patient and work with them, much like you would when dealing with a US claim.

It’s normal for you to receive the funds within a few weeks. 

When Things Go Wrong - Filing a Claim

When Things Go Wrong – Filing a Claim

Additional Hints

If you have full coverage and have damage caused by vandalism or without another party such as sideswiping a wall or backing into a stationary pole, wait until you are in a bigger city to file a claim and have an adjuster come out.

For minor damage, it will go a lot faster and be much more pleasant if you can wait.  Call from a bigger city to have the adjuster come out, even if it’s a couple of days later

In rural areas, it may take 4-6 hours for the adjuster to show up for your claim.  Collisions in bigger towns with multiple parties involved take priority.

When calling to file a claim, you may have to call a phone number with an automated menu in Spanish. Mapfre policies, in particular, do this. You may need to ask a native Spanish speaker for help or practice understanding which number to press to get to auto claims. If you understand the numbers 1-10 in Spanish, you should be mostly there. When someone does answer, kindly ask, “Habla usted Inglés?” Usually, they will have someone who can work with you and understand English. Spellings will be much more difficult. Ask if you can email or use WhatsApp to send the names and spellings. Nearly all Mexicans use WhatsApp for communication as doing so doesn’t go against data usage with most Mexican mobile plans.

As mentioned earlier, the key to having a positive experience in a difficult situation is to have quality coverage from a reputable source. To see your options and compare coverage, start by clicking the orange “Get A Quote” button on the upper right of this page.

About the Author

Jim Foreman has traveled well over 75,000 miles in Mexico. Often, Jim goes by motorcycle but also travels extensively on four wheels. Jim also runs a motorcycle travel company taking riders South of the Border.

Jim has filed personal claims with both Chubb and Mapfre for minor damage to his vehicles. Both were handled quickly and professionally. In most cases, with far less hassle than when filing a US-based claim.

Filing A Claim ©2018 Mexican Insurance Store.


Estimating Travel Time In Mexico

Mexican insurance,Mexican auto insurance,Mexico insurance

3 Fantastic Tips To Enjoy Traveling Through Mexico.

Story by Jim Foreman

This happens a lot. Someone heading to Mexico for the first time asks an innocent question, for example: “I live in Dallas TX and would like to visit San Miguel de Allende, hopefully by making it across early in the morning and crossing again by the end of the day. Which crossing should I take: Laredo or Mc Allen?” According to Google Maps the distances are minimal, 706 vs. 756 miles.

706 miles in one day across the US isn’t an easy ask: You’re looking at 12 hours minimum even if gas and restroom breaks are limited.

With this in mind, pulling off such a challenging trek in an unfamiliar place should be enough for you to question why you would need to travel such a long distance in a single day.

The US and Canada have reputable highway infrastructures. You can travel between 70-90 MPH using the cruise control and reasonably predict your time on the road. Across the border, the same estimates don’t apply.

In spite of this, many in the US crossing the border for the first time will overplan their vacation, and of course this begins with folks overestimating the time they plan to spend on the road. Furthermore many Americans will meticulously plan their trips down to the tiniest detail, in addition to this being unfeasible, such planning can have adverse effects, for example, driving at night, a big no-no.

Despite that, most first-time travelers grossly overestimate the distance they can travel in their

For some reason, people who have not driven outside of the USA or Canada don’t believe traveling can be any different than what they’re used to, back at home. Furthermore, many Gringos, mistakenly believe that because doing something is fine at home, such as driving at night, that it’s okay in other countries.

For seasoned overland travelers, estimating travel time will probably seem second nature. Still, one can glean some useful car driving tips and techniques here.

Best A+ Rated Mexico car insurance for travel within the Republic.

Quote, buy & print from your home. You want reliable protection from Mexican Insurance Store because you never know when you could have an accident and U.S. car insurance is invalid inside the Republic. We email your car insurance policy to you in 5 minutes along with other important documents for faster service.

Tip #1

Mexican Insurance Store Time Estimates

Mexican Insurance Store Time Estimates

Travel time estimates South of the border should be multiplied by at least 1.5. This means if it ordinarily takes 2 hours to get somewhere in the USA, it’ll take 3 hours South of the Border.

We’ll simplify it, in a moment. First off, Mexico like nearly all of the rest of the world uses kilometers for distance. One kilometer is roughly .6 miles. For gross estimating, 3 Km is close to 2 miles. (1.8 is closer, but we’re keeping it simple.)

Curiously, there are 1.6 kilometers in 1 mile. Here’s where it is simple. For time estimates, merely treat the kilometers as miles, and you’ll be traveling smart and safe with a reasonable prediction of how long it takes to get somewhere.

Tip #2

Driving in Mexico is Fun

Don’t be in such a rush. It may be Bingo Night in San Miguel de Allende, but consider breaking your trip up over two or three days. The worst thing you can do is to act like everything is a rush. It’s not! Slow down. Take it easy. Stay a night in Monterrey. Stay another night in Zacatecas or San Luis Potosi.

Traveling like a white-knuckled zombie on the toll roads, recreating a version of the ‘Cannonball Run’ is foolish on dozens of levels.

There are lovely destinations that may not be precisely on the fastest route. Check them out.

There are also 111 Pueblos Magicos in the Republic that are well worth a visit.

Tip #3

Relax and enjoy the journey to your destination

Relax and enjoy the journey to your destination

Don’t make hotel reservations in advance unless you’re traveling during Christmas or Semana Santa. Reservations lock you into a destination and a schedule. Reservations also lead sensible people to do daft things, to not lose the reservation.

Embrace the Mexican culture and allow your mind and personage to be free. Set off without an exact schedule. Arrive when you arrive and enjoy this amazing country.

Estimating Travel Time

Mexican Insurance is required.

Guanajuato is one of those places people need to slow down and enjoy life. Just remember Mexican Insurance is required.

The worst thing an American or Canadian can do, when traveling, is to act like a frantic American or Canadian. Chill out. Relax and enjoy the life you claim to want. That means not making neurotic up-to-the-minute plans and letting yourself be embraced by the culture.

If you’re good traveling 300 miles a day back home, expect to travel 300 kilometers. If you prefer 500 miles per day, expect no more than 500 kilometers a day.

All things considered, traveling South of the border is easy and should be part of the fun.  Just make sure you have your passport, tourist visa, TVIP (if required for your route), high-quality Mexican Insurance Store Mexico Insurance for cars and a good attitude.

Map of Mexico

Preparing Your Vehicle For A Mexico Road Trip

Mexican insurance,Mexican auto insurance,Mexico insurance

Preparing Your Vehicle For a Mexico Road Trip

How to Enhance Your Mexico Visit with Mexican Insurance Store Mexican Insurance news, reviews, and rate information

Story By Jim Foreman

Preparing your vehicle for a long road trip in Mexico is typically quite similar to preparing it for a trip within the USA or Canada.

Though there are many similarities, there are also some different realities that require some particular attention.

For regular South of the border travelers most of this information is well known, but for new travelers or those visiting overland for the first time, the information presented can mean the difference between a great trip and a miserable one.

How to Enhance Your Visit with Mexican Insurance Store news, reviews, and rate information

7 7 Simple Preparation Tips For Your Vehicle

1. Make sure your car, RV, or motorcycle is in excellent functioning order. If you suspect that anything is awry, take it to a Honda auto repair shop. On the road, potentially in the middle of nowhere isn’t a smart place to have a timing belt break. Unless you’re particularly mechanically inclined, it may be worth the visit to your dealership to have them run a full safety check and have a technician thoroughly look over your particular vehicle. A factory service tech is preferred as they are keenly familiar with typical problems on all models and can check those out. Taking it to a dealership will also check for any factory recalls, campaigns, and advisories free of charge to you. Visit www.Autoglassguru.com to get your windshield and windows repaired before the trip.

2. Make sure your tires have lots of tread and not close to the wear bar. Roads in Mexico will grind down your tires much faster than typical US-based roads. If you are driving a vehicle more exotic, it may take some time to get a replacement tire or set of tires.

3. Have a basic toolkit for your vehicle. Specifically include sockets, wrenches, Allen keys, and any other specialty tools your car may likely need, for a repair. No need to go overkill and tow a Snap-On tool chest. A simple, compact toolkit will work fine. Make sure it’s SAE or Metric based on the brand of your car.

A little maintanence and preparation goes a long way on long trips.

4. If your battery is over two years old, get it load tested and possibly replaced. They don’t last forever and getting stuck with a dead one is entirely preventable.  This can be done for free at many chain auto parts stores throughout the USA and Canada.

5. If you are close to an oil change, get it. Also if you are close to the recommended time to replace brake pads, brake fluid, transmission fluid, or coolant, do it.  Finding the correct filters, gaskets, or brake pads may delay you by a couple of days. It’s best to get it done before your journey.

6. Get your shocks and suspension evaluated. This essential element is something few consider. Proper suspension can mean the difference between confidently traveling a narrow mountain road and white-knuckling the steering wheel the entire time. If your vehicle is over four years old or has over 70,000 miles, get your suspension checked by a reliable technician. It’s relatively inexpensive to replace or rebuild shocks. The difference can be night and day. The car, RV or motorcycle will feel like it was when brand new. You should also install the best car brake pads to ensure your safety on the road.

7. Carry a T-handle tire plug kit and a 12v air compressor. The Slime brand repair kit with the rope-like plugs work very well. Typically, avoid the canisters with the sealant. It makes replacing the tire a mess and will likely incur an additional charge and lots of scorn from the shop. If you’ve never used a tire plug kit, ask a tire shop or your dealership if you can try it on a worn tire mounted on a rim. Usually, a tech will be delighted to instruct you on how to do it.

Summary

The key is to make sure your car is in top shape and can handle the additional stresses of high heat, altitude, heavy load, and occasional rough roads. Additionally, if something small happens, it’s best to know how to do simple repairs like check oil levels, fill coolant reservoirs, check tire pressure, and change a tire. On some cars, checking oil, coolant levels, and tire pressure is as simple as doing a systems check on your dash.

Specifically For Cars

Most everything is covered for cars by the general checklist above. The big thing to be mindful of is if you have exotic tires. Exotic means anything for a luxury car or specialty rims. If you do, and your tires usually take a day or two to get in the USA, you may want to carry a spare, if you have the room. Tire punctures are somewhat common. If you drive a Honda, Nissan or Toyota, Ford or Chevy with standard tires, you’ll have no problems finding new tires South of the Border.

Specifically for RVs

RV’s can be a bit tricky. There are a lot of parts that work independently to provide a comfortable and enjoyable experience. If you transport potable water, make sure you top off in the US.

Give your RV an end to end shakedown to make sure all is functioning as it should. Not only does this re-familiarize you with all of the functions of the RV, but it also will help confirm everything is working correctly and within specifications.

If you have an iffy part, buy its replacement in the US and carry it. RV parts are typically hard to get as Mexicans don’t usually own RVs.

Specifically for Motorcycles

Make sure your chain and sprockets, if your bike uses them, is not worn.

Since Motorcycle tires wear much faster than car and truck tires, make sure they are at 80% tread or better. Mexican roads eat up moto tires. Expect half the typical life you get out of them in the USA.

Big bikes are quite rare in Mexico, and if you are in need of a part along the way, it may be several weeks before you will get it.

If you’re going to need an oil change along your journey, it’s probably best to buy the oil filter for your bike ahead of time. Good motorcycle oil is available in moto shops. Perhaps not your favorite brand, but it’s good, nonetheless.

Conclusion

Taking your late model vehicle is not a problem. Mexicans own new and very nice cars, trucks and motorcycles. Don’t choose a rickety or worn out vehicle with the false assumption it will make you less noticeable.  This fools wisdom has left countless Gringos stuck and vulnerable on the roadside.

If you do have problems along the way, you’ll be glad you researched and chose Mexican Insurance Store. All of their Mexican insuurance policies include roadside assistance and will help you in your time of need.

Preparing Your Vehicle For a Mexico Road Trip. How to Improve Your Mexico Visit with Mexican Insurance Store Mexican Insurance News, Reviews, and Rate Information.


Queretaro – A City of History, Prosperity, and Wonder

Mexican insurance,Mexican auto insurance,Mexico insurance

Querétaro – A City of History, Prosperity, and Wonder

Discover Mexico with Mexican Insurance Store

Story by Jim Foreman

Querétaro is a dynamic and modern city steeped in history and culture.  It’s well worth a visit and perhaps even more.

Querétaro or officially Santiago de Queretaro is a city founded in 1531. While not as old as many European cities, Querétaro has fared among the best in the new world or New Spain, as it was once known.

600+ page books detailing the history, significance, and vital role Querétaro played and plays today are available to enjoy. They are not boring.

Querétaro is one of those cities in Mexico that deserves to be a destination, all its own.

First things first. Most Norte Americanos mispronounce the name of the city. For the unfamiliar, most try to say it, Care-A-Tear-Oh. In Spanish always look for the accent mark to determine the pronunciation. It’s pronounced Que-RE-tah-row. It’s a fun word to say quickly, and a proper pronunciation will earn you heaps of respect by locals.

The city of Queretaro is located right in the middle of Mexico. From the Laredo, TX border, it’s about 920 Km (570 Miles) due south. It’s only 67Km southeast of San Miguel de Allende. At only 220 Km to the southeast is Mexico City. Guadalajara is only 350 Km due west.

Querétaro also serves as the gateway for the Sierra Gorda mountain range and the charming Pueblos Magicos of Bernal and Xilitla. Xilitla, in particular, features Las Pozas and the Jardin de Surrealist Edward James. Wineries, Mountains, and Mining all make up the surrounding region.

Mexican Insurance Store is the one-stop site to compare seven quality policies and choose the best one for you and your budget. Mexican Insurance Store is the #1 provider of Mexican Insurance in the 3rd most populous metropolitan area in California.

What to Expect in Queretaro

When arriving in Querétaro, a couple of things are immediately evident. It’s a very clean city. The next thing one usually notices is that there are lush green trees everywhere. Additionally, the city is very well laid out with different sections of town taking on unique personalies

. There’s the historic centro, the older colorful housing, the high-tech section, the university area and the manufacturing district.

Splitting the town right down the middle is the ancient aqueduct.

Plaza de Independencia draws a wide group of people ©Jim Foreman

The attitude in Querétaro is vibrant and intelligent with a lot of people in their 20’s and 30’s. Families and seniors stroll in the large shaded park in the center during the day. It’s closed and gated shut at night.

Querétaro has the second highest median income in Mexico, right behind Monterrey. Many major corporations base their Latin American operations in Querétaro including Bombardier Aerospace, Kellogg’s, Samsung Electronics, Daewoo, Colgate-Palmolive, Harman International Industries, General Electric, Michelin, Siemens Mexico, Procter & Gamble, Nestlé, Scania, Hitachi, Dow Chemical, Bose, and ThyssenKrupp, among others.

Crime is also ranked the lowest in all of Mexico amongst cities this size.

Plaza de Independencia at night © Jim Foreman

What To Do in Queretaro

Dining in Querétaro is a singularly wonderful experience. Head to the Plaza de Independencia in the centro to find the best restaurants. In addition to being a UNESCO World Heritage Site, it’s the heart of the culinary scene. Of course, with the high student population, there are also a large number of inexpensive cafés and restaurants to serve the budget conscious.

If museums are your passion, you’re in luck. The Museo de Arte is housed in a spectacular example of Baroque style. Once the former monastery of San Agustin, it contains one of the best collections of colonial art. The galleries are divided by painting style.

The Museo de la Ciudad highlights the city and region’s history dating long before the New Spain Colonial era to the modern day.

Driving in Querétaro is fairly easy, but not advisable for large vehicles. Parking is also a bit of a challenge throughout most of Querétaro. It’s best to leave your vehicle at the hotel or a carpark on the outskirts of town and use a cab or a Ridesharing app to get to places in town.

At 1,820 m (5,970 ft) elevation, Querétaro enjoys perfect mild temperatures year-round.  During the winter months, Querétaro will dip into below 20ºC (68ºF) but most of the time it’s around 25ºC (77ºF).

Whether it’s a day trip from one a nearby town, or a destination, Querétaro has something for everyone.

Querétaro represents the best of Mexico.

Traveling overland in Mexico is fun and easy. All one needs is their passport, visa, TVIP and Mexican Insurance.

Review 7 Best Mexican Insurance Store Quotes To Save Time, Frustration, And Money.

Driving along side the aqueduct. ©Jim Foreman

A couple at the Plaza de Independencia ©Jim Foreman

Sunset in Queretaro ©Jim Foreman


Ensenada – Carnaval Celebration and Beer Fest

Mexican insurance,Mexican auto insurance,Mexico insurance

 

Written by Jim Foreman

When American and Canadian travelers think about heading to Mexico, the choices are bountiful. For example, destinations like San Miguel de Allende, Cancun, Puerto Vallarta and Cabo San Lucas come to mind. These are all great locations worthy of a visit.

For people living in Southern California, a weekend visit to Ensenada is closer and more accessible than Vegas. For most visitors, it’s also a lot more fun.

Ensenada is a seaside port city about 70 miles south of San Diego, CA. The city is surrounded by mountain ranges and features year-round perfect weather 350 days a year.

Ensenada is also the gateway to the world famous Baja California Wine Region. A serious up and comer, the Ruta del Vino begins minutes north of Ensenada.

Ensenada features a commercial airport, however the most common method for travelers to visit is by car.

Mexican Insurance Store is one of the largest and most reputable providers of quality Mexico Insurance policies in California. Located North Of San Diego, they write Mexico insurance policies nationwide including Canada.

Several major events are happening in February and March, for instance there’s Carnival. Above all these events bring massive crowds to the city from all over Mexico and the world.

2017’s Queen of the Carnaval Yazmín Adriana Figueroa

 

 

Carnaval

The first event is the celebration of Carnaval. In other words, this is the weeklong celebration of all things before the Catholic period of Lent.

For non-Catholics, Lent is a 40 day period where you give something up to show faith and repentance.

Carnaval in Ensenada is an amazing event celebrated with parades, fireworks, concerts, meals, parties, and more.  There’s a festive atmosphere throughout the week, and the crescendo occurs Friday through Tuesday. After that, the celebration abruptly ends at midnight. Carnival features parties throughout Mexico with sizable celebrations in Mazatlán, Cozumel, and Veracruz.

If you plan on going to Ensenada for Carnaval, hurry. For instance, all the hotels room sell out early, so secure a room quickly.

Ensenada Beer Fest

 

Ensenada Beer Fest

The second major event is the Ensenada Beer Fest. Coinciding with St. Patrick’s Day Weekend, the city hosts one of the premier beer-related events in all of Mexico.

Therefore, over 100 cervezarias (breweries) from all over Mexico come to the beautiful museum grounds of the Teatro Cultural Riviera to celebrate the golden elixir.

The event takes place on Friday and Saturday with conferences held Wednesday and Thursday to discuss making beer.

Above all, this event draws a classy crowd of mid 20’s to late 40’s Mexicans. Similarly, there’s no egos or pretentious attitudes found in similar festivals in the US.

Again, hotels book up pretty quickly so make your travel arrangements rapidly.

Events in Mexico rarely have a strong social media presence. However, don’t be discouraged. The events are going to be awesome and worth the trip.

Scenic Highway Mex 1 Heading South

Getting to Ensenada is super easy by car, you just have to cross the border at Tijuana or Tecate. From Tijuana, the Scenic Mex 1 is a spectacular seaside drive that matches some of the best parts of CA-1 at Big Sur in Central California.

Just remember to bring your passport and your Mexico Insurance policies with you on your trip.

Timisoara: Group of dancers from Mexico in traditional costume present at the international folk festival “International Festival of hearts” organized by the City Hall.

Travel Insurance for Mexico

Mexican insurance,Mexican auto insurance,Mexico insurance

Travel insurance in Mexico is a common topic in online discussion groups.  It’s no wonder why people ask us about health coverage quite often.

There are three different categories of travelers to Mexico. That means there are typically three different approaches to health coverage.

Vacation Traveler

Vacation travelers are those who usually fly or take a cruise ship to Mexico. Trips last one to two-weeks long. They may happen once or twice a year.

For most vacation travelers, travel insurance for Mexico is the way to go. Because it’s travel insurance, it covers a wide range of mishaps. Lost luggage, delays, missed flights, and medical emergencies, are all covered.

Many seasoned travelers choose InsureMyTrip.com to select the right amount of coverage. InsureMyTrip.com is an easy source for coverage. Several dozen companies and offerings are available there. It’s fast, easy, and reliable.

Climbing Cerro Tetakawi in San Carlos, Sonora

Overland Traveler

The overland traveler is someone who travels into Mexico by car, RV, or motorcycle. Visits to Mexico are typically more than a week or two. Return visits also happen fairly often.

For overlanders, several companies stand out as best bets for coverage. First on the list is WorldNomads.com. AIG Travelguard and Allianz are also top-tier options.

World Nomads is for more adventure-oriented traveling. Two grades of coverage are offered by World Nomads. The Standard plan covers common outdoor activities. For those a bit more extreme in their pursuits, there’s the Explorer plan. The Explorer plan covers most activities including cave diving, free diving, parachuting, SCUBA, and white-water rafting. World Nomads makes it very easy to choose the right plan for your itinerary.

AIG Travel Guard is also a top-rated product. Travel Guard also covers a broad range of plans covering a multitude of activities. There are relatively few exclusions.

Allianz features a broad selection of travel insurance plans and deserves its excellent reputation.

It’s wise to compare and contrast health insurance coverage, duration, and cost. Some plans are a better value at six months.

All of these plans cover medical issues that arise during the trip. None of them will cover ongoing medical treatment or pre-existing conditions. For example, coverage includes a broken leg while hiking. If you have diabetes and require insulin, you’re on your own.

Temporary or Permanent Residents

Long-term visitors and permanent residents have several choices for health coverage. For most people, international health insurance is the way to go. It’s an excellent option for people working abroad or that travel a lot.

There are many options for worldwide health insurance. The best seem to come from AXA PPP International and Allianz Care.

Both offerings are quite comprehensive. Since personal health insurance requirements are unique, it’s important to carefully read the details. Shop both to see which one suits you and your situation best.

Other Options

Medical expenses in Mexico are surprisingly low for top-quality care. Many Mexican doctors receive training in the USA. They offer modern and high-quality healthcare. Because of this, many visitors embrace medical tourism. This includes cosmetic surgery, dental work, or other elective procedures. People come to Mexico for excellent treatment at a fraction of the cost back home.

It’s best not to rely on traditional Mexican remedies, exclusively

Because of the low cost, many people simply elect to keep a credit card with $1000 USD on standby for coverage. For most illnesses or issues, it’s easiest to pay cash and solve it quickly and without hassle.

Exotic options also exist such as MedJet Assist.  MedJet Assist covers repatriation if you become injured or hospitalized internationally. Coverage actually begins 150 miles or more from home. They earned an excellent reputation over their many years of operation.

A final option for those with citizenship or permanent residency is Seguro Popular. Seguro Popular is Mexico’s state-sponsored healthcare system. The quality of care varies across the country. Clinics in bigger or capital cities are usually acceptable. Rural clinics or typically quite spotty. This is because of limited locations and doctors. Another reality is that rationing occurs, especially during a health crisis or emergency.

Information from Mexican Insurance Store

Mexican Insurance Store .com offers quality car, RV, and motorcycle insurance. We’re not affiliated with any of the above-recommended companies. These companies, in turn, don’t offer car insurance.


8 Tips For Off-Road Traveling in Mexico

Mexican insurance,Mexican auto insurance,Mexico insurance

Off-Road Traveling in Mexico

8 Important Tips For Fun and Great Times In The Dirt with Mexico Insurance

Mexico Insurance Store

Off-Pavement in Chihuahua

 

Story and Photos by Jim Foreman

More and more areas in the United States are being cut-off from off-highway use by misguided politicians and an increasingly ignorant electorate. Because of that, more Americans are discovering or rediscovering Mexico as an exciting and wonderful place to get some dirt or sand under your wheels.

It makes no difference what style of adventure suits you. You may be into Jeep trails, taking out quads and dirtbikes, or bringing the fancy ATV like the popular Razor. You may just want to take your 4×4 pickup. There’s something for everyone in Mexico.

Mexican Insurance Store has authentic coverage available for just about anyone traveling in Mexico.

Let’s Get Started

Regions such as Baja California and Sonora including the north area surrounding Rocky Point are excellent places to head off-pavement.

Off-Pavement and Off-Road traveling are very alive and well in many parts of the country. It doesn’t matter if world-televised events like the Baja 1000 inspired you or it’s only a fun weekend with friends. It’s essential that one doesn’t let the spirit of fun and thrills get in front of common sense and respect for nature and others.

Follow these 8 important tips for off-road traveling and you are all but guaranteed a great time in Mexico.

1. When crossing the border, make sure the vehicles are titled or registered in someone’s name that is also along for the trip. Back in the 1980’s many vehicle thieves were headed straight South without hindrance. The US and Mexican governments agreed to have random vehicles stopped when crossing south to verify the registration or title. A color photocopy or printout of the registration or title is almost always fine.

2. Know that outside of the populated areas, you probably have no mobile phone service. If using GPS, make sure everyone has the coordinates for the basecamp or hotel. Someone in the group needs to act as a leader and know where to find the nearest medical facilities.

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A spectacular unique view of Copper Canyon

 

3. Before you begin riding, make sure you stock up on water and have a general idea of the terrain. The most prominent medical issue for off-roaders is dehydration. Once you become dehydrated, something much worse is imminent. If you begin to feel it, it’s too late. Therefore, drink water or Electrolit and relax for a while, in the shade.

Pro Tip: Mexican auto insurance is required

4. You should only travel during daylight hours, no matter how many lumens your lightbar puts out. Also, have a plan to end the riding long before sunset so you can transition to great food, drinks, stories, and friendship. Animals, as well as illicit activity, are much more active at night.

5. If you’re unfamiliar with the area you plan to travel or explore, ask others who have been there recently. This may seem obvious, but a lot of people end up in an uncomfortable situation because they don’t heed this simple advice.

Baja California Off-Roading

The infamous Coco’s Corner in Baja California

 

6. Be careful that you are not invading someone’s private property without permission. Again, this should be obvious, but more so on the mainland, there are a lot of extensive ranches that are private property. Landowners don’t know who you are and what your intentions are. Find out and ask permission, if necessary, before trouble finds you.

Don’t forget to play it safe!

7. If you come across a situation that doesn’t seem right, turn around quickly and get out of there. Don’t be too curious and know when to get away from a potentially negative situation.

Tom enjoying the sea around Mulegé

 

8. I would travel with some beer and water on ice. Don’t drink until you are done riding for the day. Instead, keep it, along with water, for when you get stuck somewhere or need help. Few things will make someone happier to help you than an ice-cold beer in their hand.

Additional Advice

Beyond these tips is a necessary understanding. Above all, if someone gets seriously injured, it’s really up to you to get that person to medical facilities. No helicopter will be hovering overhead in 30 minutes, or ever. Therefore, having someone along with some basic first aid or Wilderness EMT training is very wise.

As far as Mexico insurance goes, If you’re insuring a truck, jeep, street-legal motorcycle, understand what’s covered and what’s not. For example, if you’re off in the dunes and end up damaging your vehicle or someone else’s, you’re not covered. Few, if any insurers will underwrite your coverage as a result. 

Off Road and Off Payment

Now, off-Road and off-Pavement are two different things. You will discover many roads and even some federal highways that have unpaved portions. If it’s a road one can find on a map, you are covered, if you have full-coverage. If your vehicle becomes disabled in a remote area or primitive road, you’ll need to find someone with a truck to help you get it into a town so your tow service included with your insurance can help you. Use the AAA standard logic. If you’re a member of AAA ask yourself, would they come here to retrieve my disabled vehicle if this were in the US? If not, you are responsible for getting it to a place they will be able to load it up and transport it.

I for one love off-roading, and the fun is more than rewarding. Do it safely and with a hefty dose of good sense.

Remember, if your vehicle is traveling on the Mexican streets, you must have proper coverage. Mexican Insurance Store has the best Mexico insurance to protect you and your vehicle in Mexico.

Off-Road Traveling in Mexico: 8 Important Tips For Fun and Great Times In The Dirt from Mexico Insurance Store

Great Times In The Dirt

Sometimes Pavement isn’t so bad

 

Off-Road Traveling in Mexico

A more difficult road leading into Batopilas, Chih

Cabo San Lucas, Mexico – February 12, 2011: Guests of an ATV tour enjoy a rest and the coastline of the Sea of Cortez. These ATV tours are very popular with visitors and take riders from the desert terrain to the sea.

Deciding Which Mobile Phone Service Is Best In Mexico

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Best Mexican Insurance Store News,Tips, and Answers About Traveling In Mexico

Deciding Which Mobile Phone Service Is Best In Mexico

Best Mexican insurance

Writeup by Jim Foreman

Typically we’re asked 10-15 times a week about mobile phone service when traveling in Mexico.

We know it’s an important topic and one with answers that have changed, sometimes drastically, in the past few years.

Today, there are several answers, largely based on how long or how often you plan to be in Mexico.

Please follow this link to discover the secrets about mobile phone service in Mexico. This article is quite BIG and important so we posted it on our Blogspot Site.

Always remember to have the best protection when driving in Mexico.  Make sure it’s the best policy that suites your needs.

Deciding Which Mobile Phone Service Is Best In Mexico


New Year Celebrations Mexico Style

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Mexican Insurance Store Holiday Guide and Information

New Year Celebrations Mexico Style

Mexican insurance

Nochevieja or Año Nuevo in CDMX

Story by Jim Foreman

Mexico is rich with holidays, traditions, and celebrations throughout the year. While some are similar or parallel holidays celebrated in the US and Canada, many others take on a life uniquely their own in Mexico.

One thing any traveler to Mexico will realize quite quickly is that Mexicans don’t really need much of an excuse to throw a party. When there is a reason, though, Mexico is the place to celebrate, in earnest.

Last week, Mexican Insurance Store published a story detailing how Christmas is Celebrated in Mexico. Naturally, the follow-up is how the New Year Celebrations happen Mexico Style.

Like it’s North American neighbors, December 31st is a huge party in Mexico. Americans have their grandest celebration in New York City, Mexico’s biggest party happens at the Zocalo in CDMX (Mexico City).

Throughout Mexico, smaller celebrations and traditions unfold at the turning of the calendar year.

This year, consider adopting some of these warm and rich traditions.

Undergarments

This one is a fun one. Tradition dictates that you can determine the nature of your good fortune, for the coming year, based on what color underwear (calzoncillos) or panties (calzones or bragas) you choose.

One doesn’t have to be a model or young to enjoy this one.  Men and women of all ages, shapes, and sizes participate.

If you choose to wear red, you will be blessed with love in the new year. If money and happiness are more of your desire, be sure to wear yellow. Notice that it’s either love –or- money and happiness. Mexicans have a rich sense of humor and fatalism. Red and Yellow are the two dominant colors worn during New Year Celebrations.

If you’re wealthy and have found true love (yeah right…), then white chones (panties) are for you. White signifies peace and tranquility (paz y tranquilidad). Wear blue for health in the coming year.

This tradition is also widely celebrated in China and throughout the world. If only the USA and Canada would catch on to this, too.

Choose wisely

Mexican Insurance Store has the best Mexican insurance policy for driving in Mexico.

Lentil Beans

Lentil beans are flat like coins

 

A huge tradition that comes over from Europe and is widely practiced in Mexico is leaving lentil beans at your doorstep just before midnight on December 31st. This dates back to ancient Rome as the flat lentils resembled Roman coins.

Doing so will all but guarantee good luck and prosperity in the upcoming year. Alternatively or additionally, enjoy a traditional Lentil soup with chorizo. If going out, make sure to place some lentils in your pockets, bag, or purse to wield good favor all year.

Twelve Grapes in 60 Seconds

Another tradition comes across to Mexico from the Catalan region of Spain.   One must eat twelve grapes and make twelve wishes during the last 60 seconds of the exiting year.

It’s a little harder than it sounds, but successfully doing so will reward you with your wishes granted and another wonderful dose of prosperity.

Burning the Bad

Just as most people around the world make New Year resolutions or propósitos, many Mexicans are also happy to have the opportunity to rid themselves of negativity.

To do this, simply write down all the negative stuff in your life on paper. Don’t hold back. This isn’t a confessional. Just before the new year begins, light the list on fire until it is nothing but smoke and ash.

Just like that, you’re cleansed and absolved from all the rubbish in your life and are starting with a clean slate.

Given the amount of bad energy and negativity some people are capable of, make sure you’re away from any flammable structures or materials and maybe have a fire extinguisher or bucket of water on hand before you light your list up. If the bonfire gets out of control, you’ll have means to make sure the new year doesn’t start off equally bad.

Put Money In Your Shoes

Yup, just like it sounds, make sure you have some currency tucked in your shoes as you celebrate. The larger the amount of the bill(s), the better. If you’re wearing heels or open shoes, it’s OK to hold the money in your hand.

Like the result of many of the other traditions, prosperity will follow those who carry out this ritual.

 

Sweeping the House

Sweeping the house in the day leading up to the 1st is another common tradition. It doesn’t have to happen at midnight, but can be done anytime on December 31st.

Naturally, this symbolizes sweeping away the previous year’s dust, dirt, and yuck. Sprinkle a little bit more prosperity for good measure.

Celebrating with Friends

Certainly, go and celebrate with good friends, family, or both, if they all get along.   This is entirely up to you. Many people will go to their favorite bar or to the centro to ring in the New Year and enjoy the festive spirit. Count on fireworks, bells, music, and other less sensible ways of making noise and celebrating together.

Naturally, Mexico is a huge and diverse country.  There are regional traditions and variations of these acts of ushering in the holiday.

You don’t have to travel to enjoy these great traditions and ways of celebrating New Year’s Day, but it sure is more fun. Consider heading south for the holidays and making this year memorable and inspiring.   Simply grab your passports, get your Mexican Insurance Store policy and head on down.

Mexican Insurance Store Holiday Guide and Information

mexican guys cheering Viva Mexico on independence day in Mexico city

Celebrating Christmas in Mexico by Mexican Insurance Store

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Tired of the overdone and overcommercialized Christmas celebration each year?  Mexico may be your best destination.

 

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Christmas Celebrations at the Zocalo in Mexico City

Story by Jim Foreman

Growing up in the USA, it was common to hear Jose Feliciano’s Christmas hit, ‘Feliz Navidad’ as part of the usual lineup of music, during the holidays.

Right now, you’re probably hearing that song’s melody in your head.

Beyond that, few Americans and Canadians truly understand the Christmas traditions in Mexico and how they are quite different from celebrations back home.

Of course, with an ever-increasing ex-pat population in certain regions, and the globalization of holidays, many Mexicans are melding and celebrating with a ‘Gringo’ edge. That’s OK. American’s have also adopted several Mexican traditions including the Spanish greeting and the Poinsettia plant as a symbol of the festive season.

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Being in Mexico during the Christmas season is magical.

Largely gone is the over-commercialization of the season. Instead, visitors will see a celebration more rooted in tradition.

Mexico’s Christmas or Navidad celebrations largely originated in Spain. Given Mexico’s diverse culture and pre-Hispanic cultures, many of those traditions have morphed or evolved in a uniquely Mexican way.

Of course, as the many regions of Mexico are unique, so are the flavors of those celebrations.

Christmas is celebrated in Mexico from December 12th to January 6th. There is a crescendo of the celebrations on Christmas Eve, December 24th. This dates back to Europe, long before Christmas was ever introduced to the ‘new world.’

Now, you math wizards are probably just now figuring out where the ’12 Days of Christmas’ originates.

Mexican Insurance Store has the best Mexican insurance policy available for driving in Mexico.

 

In Mexico, the Christmas season starts with nativity scenes placed in public and private displays. It’s nearly impossible to find a home without one in place. Nativity displays can be simple or elaborate.  Some are small, sitting on a shelf or table, while others are life sized, occupying a whole room or display outdoors.

Also beginning December 12th, children gather each night to do the Posada procession (Posada means Inn or Hotel in Spanish). They carry a candle and clay figurines of Mary and Joseph from home to home, singing songs. The songs are mostly relating to Mary and Joseph seeking a place to stay.

The children are told, ‘there is no room,’ at each place.  The final Posada welcomes the people in, and the party begins in earnest. A figure of the baby Jesus is placed in a manger.  That home is host to food, games, and often fireworks. Piñatas are one of the most common games played.

This goes on, each night until Christmas Eve (Noche Buena).

Afterwards, people go to a midnight mass and usually celebrate with more fireworks.

As a visitor, you can watch and enjoy the celebrations from any town centro as that will be where the focus of the holidays are typically happening.

Nacimiento or a Nativity scene is the dominant decoration in celebrating Christmas. Of course, Christmas Trees are becoming more and more popular throughout Mexico, too.

In some northern Mexican states, children are taught the tradition of Santa Claus. While this phenomenon is slowly growing in Mexico, it’s still not the dominant celebration.

December 28th, marks “Los Santos Inocentes” (Day of the Innocent Saints). Originating in Spain and Portugal, it’s celebrated much like Americans celebrate April Fool’s Day.   Despite the playful nature, it has a very grim undertone. This is regarded as the day King Herrod had all Male babies under a year old killed in the desire to keep his reign from what was prophesied to him about a new ‘King’ being born.

For much of Mexico, January 6th (the Epiphany) is when children receive gifts. This is a representation of when the three Wise Men arrived, bearing gifts. If there was a Gringo style ‘Santa Claus” celebration with gift-giving on Christmas Day, candies and small treats are given to the kids. Otherwise, this is the day when all of their good deeds for the year earn them their gifts.  In Mexico, Children are told that the gifts the receive came from either Santo Clós or El Niñito Dios (Baby Jesus).

Rosca de Reyes with the figure of Baby Jesus

It’s also a common tradition to eat Rosca de Reyes (Three Kings Cake) on January 6th. A small figure of baby Jesus gets baked into the cake.

Whoever gets the figure in their piece of cake becomes the honorary godparent of Jesus that year.

Fiesta de la Virgen de la Candelaria in Veracruz

February 2nd wraps up a final Christmas celebration. It’s the Virgen de la Candelaria (Virgin of the candles). Other countries call it the ‘Candlemass.’

Whether or not you celebrate Christ’s birthday or consider yourself faithful, it’s a season of good cheer, wonderful traditions, and celebrations. Join in and be a part of the Mexican culture.

Many Americans and Canadians are drawn to Mexico’s warmth during the holiday season. Getting to Mexico in your car is very easy. If it’s your first time, you can find out the details of what you need to bring and what to expect. Make sure to check Mexican insurance policy rates before leaving. It’s easy to quote, buy, and print quality coverage at Mexican Insurance Store.

Consider the best Mexican insurance policy available for driving in Mexico.

Happy family enjoying Christmas dinner with sparklers at home

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