1. How do I receive the policy I buy on
motormexico.com?
After you receive your quote and select
“buy now” for the policy you have chosen, you will complete a simple
on-line application. After verifying the information is correct you
will go to a final step which provides a link for you to open a file
and print your policy documents, immediately.
You will also receive two emails, one
confirming the purchase and the other providing information to print
your policy in case you closed your browser after purchasing but
before printing it.
If your computer does not have Adobe
Acrobat, a link is provided for you to download Acrobat Reader at no
cost.
2. What information
do I need to issue my policy on-line?
You will need:
- The name of your U.S. or Canada auto
insurance company
- The policy number of your U.S. or
Canada auto insurance
- The expiration date of your U.S. or
Canada auto insurance
- Vehicle Identification Number (VIN)
- License plate number
- Driver’s license number
- A credit card
It will be convenient to have your U.S.
or Canadian insurance I.D.card handy because it contains much of the
information mentioned above.
3. Is U.S. or Canadian
insurance valid in Mexico?
IMPORTANT:
Regardless of what your U.S. or Canadian insurance company says, the
Mexican government does not recognize or authorize them to extend
coverage to Mexico. By Mexican law, liability coverage must be provided
by an authorized Mexican insurance company. The liability
coverage offered by a U.S. or Canadian insurance company it is not
recognized by Mexican authorities.
CONSEQUENCES:
A motor vehicle accident in Mexico is both a Criminal and
Civil matter. By law, if the driver can not demonstrate the ability
to pay damages at the time of an accident, he/she may be immediately
incarcerated and the vehicle may impounded.
Some U.S. insurance companies may
extend coverage for damage to your vehicle while in Mexico. Since this
extension is between the insured and the U.S. insurer that is no
problem under Mexican law. These extensions vary widely from one
company to another. If coverage is extended into Mexico, it usually
requires the policyholder to purchase a policy from a Mexican
insurance company covering Third Party Liability. Many companies have
a restriction if you travel more than a specified number of miles
south from the border. Other companies have restrictions based on the
number of days the vehicle is in Mexico.
If in doubt, check with your U.S.
insurance company..
4. How much does
Mexican insurance cost?
As in the U.S and Canada, the premium in Mexico will vary depending on the value of your vehicle, the limits of liability you chose, and the length of time you will be in Mexico. Since each case is unique, the easiest way to find out your cost is to obtain a quote. You can receive a quote in just a couple of minutes.
Get
a quote and purchase your policy now!
5. Is it safe to
pay for my insurance with a credit card?
Your transaction is 100% safe because our system is based on an encrypted process where your credit card data is maintained strictly confidential.
Our web site processes payments through an important credit card processing company that has processed over 100,000 policy payments for us and it has never presented a problem.
6. If I stay in
Mexico longer than planned, what must I do to get coverage for the additional
time?
If you extend your visit to Mexico, you need to purchase another policy that covers the extra period of your stay. Please remember that you can purchase your policy online anytime through this web site. All you need is Internet access and a printer.
7. I will only
be in Mexico for a few hours. Do I still need to buy insurance?
Since it is possible you could have an accident six feet inside Mexico the minute you cross the border, at a minimum you should have a policy covering you for Third Party Liability. You never know when you could have an accident . . . which is why it is called an "accident." You should have a Mexico policy even if you will be in Mexico for just a few hours. Please remember that liability coverage must be provided by a Mexican insurance company, no matter how long your stay.
For more
information, please see the
answer to question # 3
8. Do I have to
pay a deductible if I have an accident?
For damage to your vehicle in an
accident and for theft you will have to pay the deductible.
Liability, Medical Payments, Travel
and Legal Assistance coverages do not have a deductible.
If you purchased the coverage upgrade
(called Extended Coverage on the Quote Result screen) and the other
party is at fault and does not have insurance, policies from ABA
Seguros and Grupo Nacional Provincial will waive your deductible from
an accident.
9. Is the insurance
provided by a reputable insurance company?
The companies we work with are among
the most solid and reputable in Mexico (ABA Seguros, Grupo Nacional
Provincial, GE Seguros, Zurich, and ACE Seguros). All have many years
of experience operating in this market, and you can have confidence in
their solvency. These companies, or their multi-national parent
company, are all rated at least “A-“ or “Excellent” by A. M. Best &
Co.
10. Does my Mexican
insurance cover traffic fines in Mexico?
Sorry, it does not cover you for traffic
violations. It is the responsibility of each driver to respect Mexico's
traffic regulations.
NOTE: In the event of a covered accident, the insurance covers the expenses for a bail bond and legal assistance required to defend the insured.
NOTE: Liability coverage
is specifically excluded if the driver is under the influence of alcohol
or drugs at the time of an accident.
11. What is MexVisit?
MexVisit is a comprehensive package of travel assistance benefits found with any other agent or insurer. You can include it with daily, six month, and annual policies.
Other agents can offer coverages with the same insurance companies but none of them equal the quality of coverage provided with MexVisit.
a. Emergency Medical Assistance (including
emergency air evacuation back to your US or Canadian point of origin,
and much more)
b. Emergency Roadside Assistance (out
of gas, dead battery, flat tire, keys locked in car)
c. Travel Assistance (lost passport,
translation, car parts locater, and much more)
For more information about MexVisit,
please
click
here.
12. How does the
fixed deductible work?
For U.S. and Canadian drivers, one of the most misunderstood features of Mexico auto insurance is the deductible based on a percentage of the vehicle value.
With a percentage deductible the insured pays a deductible of 2% of the vehicle value for collision, subject to a minimum of $500 for cars and $1,000 for all other types of vehicles, and 5% of the vehicle value for theft, subject to a $1,000 minimum for cars and $1,500 for all other vehicle types.
Many auto finance companies in the United
States and Canada require a fixed deductibles
not greater than $500
U.S. dollars for collision, and $1000 U.S. for theft. To solve this
problem we worked with all five of our insurance companies, who agreed
to offer a fixed deductible option, similar to U.S. auto policies. If
you purchase the fixed deductible option, your deductibles are “fixed”
at $500 and $1,000 for Collision and Theft respectively..
13. Can I purchase
a policy without expiration date, i.e., an opened ended policy?
Unfortunately, it is not possible to
have an “open” expiration date because the period of coverage must be
stated on the policy to make it valid.
However, we do offer lots of options,
from one day up to one year, depending upon your need. It is also easy
for you to renew your policy online.
And to make it easier for you, you can
issue a new policy from an old one by entering the email address you
used to purchase your last policy, and the Password that is printed on
the policy confirmation sent to you via email.
If you travel to Mexico frequently, it
is much more economical to purchase an annual policy.
If your trip is longer than 30 days
but less than six months, it is usually more economical to purchase a
six month policy. If you request a quote for less than six months but
only see Quote Results for a six month and annual policies, it is
because the six month policy is less expensive then a policy for the
shorter period you requested.
14. Is there any
problem if my driver license has expired?
Yes, that is a big problem! Mexican
law requires a valid driver license while driving. And, if you don’t
have a valid license at the time of an accident, your insurance may
not provide coverage. We suggest renewing your license before driving
in either Mexico or your home country.
15. Can I cancel
my policy?
If your policy period is less than six
months, for example, for 5 days, it can not be cancelled once the
effective date arrives. You may cancel a six month or annual policy
within the first 15 days after the initial effective date. In this
case you will be charged for the number of days of coverage. The
policy fee is not refundable.
Before your policy actually goes into
effect you can cancel it at any time. In this case, a small service
fee it retained to cover the processing expense. However, if you
immediately reissue a new policy, the service fee is waived.
16. Will an underage
driver be covered by my policy?
The insurance policy specifies that
in case of an accident, the coverage will only apply for drivers between
age 18 and 79 years old who have a valid driver license.
17. I do not speak
Spanish? What happens if I get involved in an accident?
All adjusters are supposed to be bilingual,
Spanish-English. If your adjuster does not speak English and no one
can translate, you may call the insurance company’s toll free number
shown on your policy to ask for a bi-lingual adjuster.
